Economic Perspective for HYIP Player

Somebody success in HYIP

2009-12-01T09:51:00.000-08:00

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Dubai Crisis

2009-11-28T03:07:00.000-08:00

Crisis dubai? ... Is this going to delay the economic recovery of the world? I think we should not rush expect much.
Dubai is stuck with a glut of real estate that no one wants to buy or rent.
Creditors and markets had always assumed that when push came to shove, its oil-rich neighbor Abu Dhabi would bail out Dubai.

Sheikh Ahmed bin Saeed al-Maktoum, chairman of the Supreme Fiscal Committee said, “Our intervention in Dubai World was carefully planned and reflects its specific financial position.”

He added that “further information will be made available early next week.”

Dubai might not be able to pay its bills sent a wave of uncertainty rippling through markets just as investors thought the worst of the global financial instability was over.

On Wednesday, as Dubai asked lenders for a six-month reprieve on payments for about 60 billion U.S. dollars in debt, investors were worried that the debt problems in the middle-east emirate would spill over to the world, hampering the global economic recovery. Due to this, Confidence of Western investors across the Gulf has been shaken.

“Whether you are Dubai, Greece, Spain, Ireland or the U.K., you can print as much money as you want, but at the end of the day you have to pay the interest on your debt.”

Light, sweet crude for January delivery finally dropped 1.91 dollars, or 2.5 percent, to settle at 76.05 dollars a barrel on the New York Mercantile Exchange.

Dubai has seen a surge in extravagant building projects, with vast skyscrapers springing up in the desert state, but it has suffered in the global financial crisis. Most of its debt is held by state-backed companies.

During this recession, one more crisis to hamper the world’s growth, after all, this is advanced globalization where every country is interconnected.

How HYIP Works

2009-11-27T02:52:00.001-08:00

HYIPs, or High Yield Investment Programs, like any other investment opportunity pay you a percentage (either constant or varying) of your investment. Most of the HYIPs pay certain daily or monthly interest, which can be withdrawn to a payment processor either every day, or once a month.

The concept is very simple, HYIPs are the easiest passive income. You don't have to do anything, just invest some money and watch it grow. Every day or every month your account will be rewarded with the promised interest, which can be withdrawn or compounded.

But of course it's a bit harder then that, in fact most of the HYIPs are scams and they can close so soon that you won't be able to get any money. Experienced HYIP investor can recognize a scam easily, but if you have only started with HYIP investments, beware of program with extremely high daily interest.

Thousands of HYIPs are opened and closed every month, most of them aren't worth your attention. But there are some real High Yield Investment Programs that have been paying their members for a long time and have a good reputation. We list only such HYIPs in this site.

Most HYIPs are ponzi's, old investors are paid from the money invested by new members, but you can earn with ponzis too, most of them last enough to get your money back with the interest earned, if you invest early. Some of the HYIPs are considered to be real ventures, we usually list and review those on our site.

HYIP programs usually use either automatic or semi-automatic payment scripts, that allow you to withdraw your interest at any time. It's also recommended to withdraw your interest frequently to minimize the risk.

There are literally thousands and hundreds of million of dollars invested in HYIPs every year, and while most of newbie investors start their investing "career" with losses, more experienced HYIP traders are able even to make a living on HYIPs.

To become a successful investor you need to learn a lot, read all the HYIP related articles, written by senior investors, visit forums and participate in HYIP discussions and, of course, invest.

Investment Strategy

2009-11-27T02:50:00.001-08:00

The key to a profitable hyip investment is just a single word-
“diversify”
It means you divide total investment among several different HYIPs so as to minimize risk.Investing in a single program is risky, because if the program collapses, you lose all your money. But if you put your money into many programs, if one of the programs fails, you will still have money in other programs.So by diversifying you virtually decrease the % of lost money in your portfolio.
Profits can still be made from investments in other HYIPs that are operating simultaneously.So it is quite possible that with a wide and wise portfolio you will always make a NET profit.
How wide should portfolio be?
It should be as wide as possible.For example if your total investment is around 500$ then portfolio should include atleast 5-10(or even more) different HYIPs.Invest about 50% in long term good old HYIPs and the rest 50% in new HYIPs.These may include –
Long term HYIPs are those that give around 1.5% daily and have a good track history over 1 year with good customer support,professional web design,etc.These are real HYIPs and actually pay customers.
New HYIPs include those who pay around 2-3% daily with unique professional web design & certain degree of reliability in other factors.
You may invest in ponzi schemes that give 3-5% daily,but join them early to be in profit.
If you like to take more risk(or try your luck) then join in pure scam programmes such as 10% daily for 30 days or 25%daily for 5 days,etc.Join early during launch of the HYIP and invest very less amount to minimize risk.
Scam HYIPs are run on ponzi schemes.A ponzi is an illegal pyramid system in which higher level members are paid with the investments from newer members.They actually have a short life time.Many people lose money in these scams.Their websites are made from cheap old regular common templates(not a professional & unique design),anonymous contact information,give high interest rates(>3% daily is suspected as a ponzi),have an attractive referral system,etc.

The average life cycle of ponzi HYIPs can be stated as:

Extra Long term HYIPs(ponzi & real HYIPs)
Such HYIPs pay about 1-1.7% daily or around 25% monthly interests.They usually last for a long time over upto a year.Invest in these only if it has a good history for about a year because profit recovery is very slow.

Long term HYIPs(mostly ponzi)
They pay 2-3% daily and last for about 4-5 months.Some even last for more than half a year.These are the most optimal HYIPs for investing.

Medium term HYIPs(ponzi)
Pay around 4-7% daily.Last for about a month(sometimes 15 days) to a couple of months.

Short term HYIPs(ponzi)
Pay >10% daily.Last for few days to few weeks.

In conclusion of this section we can summarize:
Don’t invest in new programmes thet pay less interest(around 1%daily) with a poor non-professional web design,etc.It is a scam ponzi where you cannot get much profits because the programme may close before you are in profit over your principal.

Invest in long term HYIPs which pay less(around 1.7% daily),but have a unique professional web design,and other positive features of a good HYIP.Invest in them if they are already over 1 years old with good track history.

You may invest in HYIPs which pay 2-3% daily,have a professional template design & other good features.Chances to be in profit is good.

If you like to take risks then invest in ponzi schemes that pay 3-5% daily.But you should invest while the HYIP is still new so that chances of profit recovery is good before the HYIP closes.

Invest in still higher interest paying HYIPs if you can risk higher.HYIPs such as 7% daily for 60 days or 50% daily for 3 days are real scams.however if you are lucky,you can be in great profits provided you invested while the HYIP was just new.But risk factor is also very high and I suggest not to invest more than 40$-60$ in such high risk HYIPs.Its always better to avoid them.

Colombia’s Peso Declines as Dubai Debt Concerns Hurt Demand

2009-11-27T02:39:00.003-08:00

By Andrea Jaramillo

Nov. 26 (Bloomberg) -- Colombia’s peso declined as Dubai’s proposal to delay debt payments spurred concern about emerging markets and reduced demand for higher-yielding assets.

The peso fell 0.3 percent to 1,981.05 per U.S. dollar at 2:15 p.m. New York time, from 1,974.45 yesterday. With U.S. markets closed today for the Thanksgiving holiday, Colombia’s currency and bonds trade in the so-called next-day market, in which payment and delivery are made the following trading day.

Dubai World, with $59 billion of liabilities, sought a “standstill” agreement from creditors, triggering risk of the biggest sovereign default since Argentina halted payments on $95 billion of bonds in 2001. The cost of protecting government notes across the Persian Gulf rose, extending the steepest increase since February.

“That’s definitely a shock to the credit markets,” said Andres Pardo, head analyst at Corporacion Financiera Colombiana SA. “That uncertainty added to the lack of liquidity in markets because of the U.S. holiday is hurting demand.”

The yield on the Colombia’s 11 percent benchmark bonds due in July 2020 rose five basis points, or 0.05 percentage point, to 7.92 percent, according to Colombia’s stock exchange.

The Finance Ministry yesterday announced plans to carry out a debt swap this week to extend the maturities of its local debt while taking advantage of lower borrowing costs. The central bank on Nov. 23 unexpectedly reduced the overnight lending rate to a record low of 3.5 percent, which pushed the yield on the government’s benchmark bonds due in 2020 to a three-year low.

Colombia Debt Swap

The government will offer investors fixed-rate bonds due in July 2024 and new April 2013 and June 2016 notes in exchange for inflation-linked and fixed-rate debt maturing between 2010 and 2018. Investors have until today to tender their debt and results will be announced tomorrow.

In Chile, the peso slipped 0.3 percent to 494.55 per dollar, from 493 yesterday. The yield for a basket of Chile’s 10-year peso bonds in inflation-linked currency units, called unidades de fomento, fell one basis point to 3.29 percent, according to Bloomberg composite prices.

Argentina’s peso climbed 0.1 percent to 3.7986 per dollar from 3.8030 yesterday. The yield on the country’s inflation- linked peso bonds due in 2033 rose 25 basis points to 10.77 percent, according to Citibank Argentina.

Peru’s sol declined 0.4 percent to 2.8945 per dollar, from 2.8825 yesterday. The yield on Peru’s 8.6 percent sol- denominated bond due August 2017 was little changed at 5.01 percent, according to Bloomberg prices.

Venezuela’s bolivar slid 0.9 percent to 5.50 per dollar in unregulated parallel market trading from 5.45 yesterday, traders said. Venezuelans buy dollars in the parallel market when they can’t get government authorization to purchase them at the official exchange rate of 2.15 per dollar.

Canada’s Dollar Falls Most in 4 Weeks as Dubai Spurs Selling

2009-11-27T02:39:00.001-08:00

By Chris Fournier

Nov. 26 (Bloomberg) -- Canada’s dollar weakened against its U.S. counterpart by the most since Oct. 30 as Dubai’s plan to reschedule its debt spurred a sell-off in crude oil, gold and equities.

The Canadian currency fell 1.3 percent to C$1.0589 per U.S. dollar at 5:11 p.m. in Toronto, from C$1.0453 yesterday, when it reached C$1.0451, the strongest level since Nov. 18. One Canadian dollar buys 94.43 U.S. cents.

“Lower equities, gold and crude combined have pushed the Canadian dollar lower in early trading,” said Michael Leavitt, a Montreal-based institutional-derivatives broker at MF Global Canada Co.

Dubai World, with $59 billion of liabilities, sought a “standstill” agreement from creditors. Its debt includes $3.52 billion of bonds due Dec. 14 from property unit Nakheel PJSC.

“The Dubai World restructuring news has caught the market’s collective attention in a big and not so nice way,” Jack Spitz, managing director of foreign exchange at National Bank of Canada in Toronto wrote in a note to clients. The news has “momentarily shaken confidence and as a result commodities and all risk-related vehicles are being sold off.”

Crude for January delivery fell 2.2 percent to $76.23 a barrel in electronic trading on the New York Mercantile Exchange. Gold for immediate delivery slid $3.42 to $1,188.38 an ounce in London, after reaching a record for the third time this week. Canada relies on raw materials for more than half its export revenue.

Stocks Slump

The MSCI World Index, a gauge of equities in 23 developed nations, fell 1.4 percent. Europe’s Stoxx 600 Index tumbled 3.2 percent, the most in 7 months.

U.S. markets are closed today for Thanksgiving, which may lead to “slow trading” in the Canadian dollar, said Leavitt.

Canada’s dollar, nicknamed the loonie, is up 15 percent this year on a rebound in commodity prices. The currency will appreciate to C$1.03 against the greenback by the end of the first quarter next year, according to the median forecast of 35 economists in a Bloomberg News survey.

Government bonds rose, pushing the 10-year’s yield down six basis points, or 0.06 percentage point, to 3.20 percent, the lowest since May 20. The price of the 3.75 percent security maturing in June 2019 rose 49 cents to C$104.52.

Mexico Peso Falls Most in More Than Four Weeks on Dubai Concern

2009-11-27T02:38:00.001-08:00

By Carlos Manuel Rodriguez

Nov. 26 (Bloomberg) -- Mexico’s peso fell the most in four weeks as Dubai’s attempt to reschedule debt payment shook investor confidence in emerging markets.

The peso weakened 1.4 percent to 13.0142 per U.S. dollar at 5:02 p.m. New York time, from 12.8315 yesterday. Demand for pesos also fell as crude oil, Mexico’s biggest export, fell 2.2 percent to $76.23 a barrel.

“Dubai caused some nervousness that affected the stock and currency markets,” said Alonso Madero, who helps manage 60 billion pesos in assets at Actinver SA in Mexico City. “The Dubai concerns should dispel in the coming days.”

Dubai World, the government investment company burdened by $59 billion of liabilities, roiled markets around the world by seeking to delay repayment on much of its debt.

Moody’s Investors Service and Standard & Poor’s cut the ratings on Dubai state companies yesterday, saying they may consider state-controlled Dubai World’s plan to delay debt payments a default.

Yields on benchmark government peso-denominated bonds due in 2024 rose six basis points, or 0.06 percentage point, to 8.14 percent. The bond’s price fell 0.51 centavo to 116.10 centavos per peso, according to Banco Santander SA.

Yields have fallen eight basis points this week as Fitch Ratings’s decision to shift Mexico’s outlook to stable after cutting the rating one level to BBB on Nov. 23 damped investor concern more downgrades would follow. S&P, which has a negative outlook on Mexico’s BBB+ rating, the third-lowest investment- grade rating, hasn’t decided whether to cut it as falling oil output swells the country’s budget gap.

‘Killing the Market’

S&P will likely decide against cutting Mexico’s rating, helping the peso rally to 12.50 per dollar in coming months, Madero said in a phone interview.

“Remittances keep coming, the international reserves levels are good, the fiscal reform should help,” Madero said. “The uncertainty about a rating cut was killing the market, and now it is gone.”

The peso will trade at 13 per dollar by year-end, according to the median forecast of 20 economists surveyed by Bloomberg News. The currency has appreciated 5.3 percent this year, the fourth-worst performance among the 16 most-traded currencies tracked by Bloomberg, ahead of Singapore’s dollar, Japan’s yen and Taiwan’s dollar.

Yen Strengthens to 14-Year High on Risk Aversion, Stock Losses

2009-11-27T02:37:00.001-08:00

Nov. 27 (Bloomberg) -- The yen strengthened to a 14-year high against the dollar, climbing past 85 to the greenback and prompting speculation Japan will intervene in markets to preserve the nation’s export-led economic recovery.

Japan’s currency pared most of its gain after Finance Minister Hirohisa Fujii said he will contact U.S. and European officials about exchange rates if needed. The Bank of Japan checked rates at commercial banks in Tokyo, seen as a type of verbal intervention, Kyodo News Service reported. The yen and dollar rose versus their main counterparts after Dubai’s proposal to delay debt payments fueled a slide in higher- yielding assets.

“Below 85 yen we’ll see a gradual increase in intervention rhetoric,” said Paul Robson, a currency strategist at Royal Bank of Scotland Group Plc in London. “The Japanese economy is already lagging from the impact of the exchange rate. It seems the market underestimated the implications of what came out of Dubai and we’ve seen a scramble to close down short-term positions.”

The yen climbed as high as 84.83 per dollar, the strongest level since July 1995, before trading at 86.26 as of 8:27 a.m. in London, from 86.59 yesterday in New York. The currency appreciated to 128.09 per euro, from 130.03, after reaching 126.91, the highest level since April 29. The euro dropped to $1.4854, from $1.5019.

New Zealand’s currency slid as much as 3.3 percent to 59.91 yen, the lowest level since July 16, and has dropped 6.1 percent this month. The so-called kiwi weakened to 70.41 U.S. cents, from 71.54 cents.

‘Systemic Risk’

“A combination of systemic-risk fears and thin market liquidity due to the U.S. holiday season has proven to be a combustible mix,” Gareth Berry, a Singapore-based currency analyst at UBS AG, wrote today. “The wider fallout has simply revealed how fragile both markets and risk appetite still are.”

The dollar headed for the worst month since December against the yen before a report next week that economists said will show U.S. business activity declined, supporting the case for the Federal Reserve to keep borrowing costs near zero.

The Institute for Supply Management-Chicago Inc.’s business barometer fell to 53 in November from 54.2 the prior month, according to a Bloomberg News survey before the Nov. 30 report. The Institute for Supply Management’s factory index dropped to 54.8 in November from 55.7 in October, according to a separate Bloomberg News survey before the data is released next week.

Futures on the Chicago Board of Trade showed yesterday a 30 percent chance the Fed will raise rates by June, down from 67 percent odds a month ago.

Three-month yen London interbank offered rates, or Libor, stood at 0.296 percent yesterday, higher than the 0.254 percent rate for dollar loans, according to British Bankers’ Association data. Dollar loans became cheaper than those in yen in August.

‘Benign Neglect’

“Unless the U.S. drops its benign-neglect policy on the weakness of the dollar and until its interest-rate outlook improves, the yen will remain hostage to appreciation risk,” said Koichi Kurose, chief strategist in Tokyo at Resona Bank Ltd.

Fed officials said in minutes of their Nov. 3-4 meeting released on Nov. 24 that the dollar’s decline has been “orderly” and that they would watch for any signs that the depreciation is pushing up people’s expectations for inflation.

Shizuka Kamei, Japan’s financial services minister, today urged for an international response to halt the yen’s advance, while Trade Minister Masayuki Naoshima said the stronger currency “is threatening the competitiveness of Japanese exporters.” Fujio Mitarai, head of Japan’s biggest business lobby and chief executive officer of Canon Inc., said Japan needs “urgent steps to counter this critical situation.”

‘Some Respect’

“The market showed some respect to a stronger warning from the government today and bought back the dollar,” said Takashi Kudo, director of foreign-exchange sales in Tokyo at NTT SmartTrade Inc., a unit of Nippon Telegraph & Telephone Corp. “The impact of verbal intervention will not last so long unless the government takes actual action.”

Japan hasn’t sold its currency since March 16, 2004, when it traded around 109 per dollar. The Bank of Japan sold 14.8 trillion yen ($172 billion) in the first three months of 2004, after record sales of 20.4 trillion yen in 2003. Japan last bought the currency in 1998, purchasing 3.05 trillion yen as the rate fell as low as 147.66.

“At a time when the recovery is expected to be gradual, an appreciating yen is of extreme concern,” said Yoshiki Shinke, a senior economist at Dai-Ichi Life Research Institute in Tokyo. “The government will take some kind of action.”

Stocks Fall

The Nikkei 225 Stock Average sank 3.2 percent, on course for a 9.5 percent slide this month. The MSCI Asia Pacific of regional shares lost 3.2 percent.

“The stability of the yen is indispensable to reinvigorating the stock market,” said Haruki Takahashi, general manager of equity dealing at Mitsubishi UFJ Securities Co. “Stock investors are crying for help. If the current situation continues, the Kabuto-cho will become a ghost town.” Kabuto-cho is the region in the capital where the Tokyo Stock Exchange is located.

　The Australian and New Zealand dollars weakened after Dubai’s attempt to reschedule debt sparked a global slump in equities. Dubai World, with $59 billion of liabilities, has sought a “standstill” agreement from creditors.

“Coming into November month-end and then year-end, we are going to see more pressure on equity markets,” said Ray Attrill, global research director at Forecast Ltd. in Sydney. “Because the Aussie and kiwi have been the outperforming currencies on the way up, we’d expect them to suffer in this kind of mood.”

Car Loan Tips. Stretching Your Car Loan To 7 Years Is A Bad Idea

2009-11-20T19:08:00.001-08:00

Submitted By: Jeffrey Taylor

I recently read a newspaper article that car loans are stretching to 7 years and longer. Why is this? Because most car shoppers want to get into the car they want and have a monthly payment in their budget. The dealer knows you are a payment buyer and will do anything to sell you that car.When you walk onto the car dealers lot the salesperson after making small talk will ask, what type of monthly payment are you looking for. In view of the fact that most car shoppers are payment oriented the salesperson needs a number to work with. He will never discuss the actual selling price of the car because that does not allow him to work the payment numbers in his favor. When he comes back with the payment you agree on, check the length of the loan. If you need a 6+ year loan to get the payment you need, you are probably getting in over your head. A lot of things can happen in six years, marriage, children, divorce, job transfers, layoffs, promotions, injuries. Try to purchase something that allows 2-4 years on the loan. DO NOT TEST DRIVE VEHICLES YOU CAN’T AFFORD AND THEN STRETCH OUT THE LOAN TERM SO YOU CAN! Stretching out the years will lower the payment but it will cost you more over the long run. You are buying a car not a house, so 3-4 years later when you are ready for another vehicle you will still owe 2-3 more years on your 4 year old vehicle. Scary thought, isn’t it? Look at it this way. After the third or fourth year you may want to trade it in for another car and still owe more on it than it is worth.

Here is the reality. Cars depreciate fast, usually about half their price in three years. If you take out a 2-4 year loan and trade it in after 3-4 years you probably have a little equity in your car for a down payment on another one. If you are buried in a 6-8 year loan you still owe a lot more than it is worth and must roll the balance into a new loan and you now have no equity in your new car. According to the Power Information Network a unit of J.D. Powers and Associates, nearly 82 percent of car loans made in 2007 were 5-6.5 years. That is quite a large number of people buried in their car. If you are one of the very few people that will actually keep your car that long you still must consider the excess interest you will pay over the course of the loan.

Here are some numbers.

A loan for 25,000 dollars at 6 percent over 48 months will cost you 28,176 dollars. The same loan stretched out to 84 months will cost you 30,660 dollars. The payment went from 587 dollars to 306 dollars, but it cost you more over the long haul.

If you are upside-down in your car meaning you owe more on it than it is worth, be careful. The options are simple; try to sell it yourself and avoid the wholesale price at the dealer. To do this you must have cash available to pay off the lien. Or you can put a larger down payment on your new car to offset the imbalance. Another way is to look for large cash rebates that can offset the purchase price of your new car. If none of the above will work you should consider keeping the car longer until the negative balance disappears. If you allow the dealer to pay off your loan and put the negative equity on the selling price of your new car you will be even further upside down on your new car and the next time you buy it will be worse. Whenever a dealer advertises that he will pay off your loan no matter what you owe, he will but you will pay the difference. Don’t be fooled into thinking he is doing you a big favor. To avoid being upside down on a new car purchase you should always try to put at least 20 percent down.

It is plan and simple! Do not get sucked into a long term car loan to keep your payment low. When the dealer brings you the loan papers at the payment you want, check the length of the loan. If it is higher than 48 months don’t sign it. When the dealer asks you what payment you are looking for, tell him the number, but also tell him you do not want a loan over 48 months. Focus on the selling price of the vehicle and if it is too high, consider a less expensive new car or a slightly used car that fits your budget. Another option is to increase your down payment on the vehicle to bring the payment down. Do not sign that 6+ year loan because you will regret it. You can find tons of information about car buying and car loans at carbuyinghelponline.com

Published At: http://www.isnare.com
Permanent Link: http://www.isnare.com/?aid=234583&ca=Finances

Bad Credit Auto Loan - Hope is Still Alive!

2009-11-20T18:54:00.001-08:00

By Criss Haden

Bad credit can be the outcome of various things. It generally comprises various cases like CCJ, IVA, arrear, default and bankruptcy. However, most of the time borrowers believe that their poor credit would have a negative impact on their loan application and this belief propels them to stay away from an auto loan. But gone are the days when it played a big hindrance in the lending process. With bad credit auto loan, anybody can enjoy the advantage of this assistance and finance any vehicle of their choice. So, if you have are suffering from any of these problems, silver lining is still there behind your dark cloud of debt. Avail such kind of benefit and solve all problems.

Bad credit auto loan can be of two types; secured and unsecured. While the secured option comes with a requirement of a security against the lending amount, the unsecured option comes without any such requirement. So, both homeowners and tenants can be benefited with bad credit auto loan. However, with this financial option, 90% finance is possible. And these options are available mainly for 2-7 years. With these loans, you can finance any kind of vehicle like bus, car, van or others.

Before opting for a deal on a bad credit auto loan, do not forget to compare various deals. In the loan market, you will avail various deals which will help you to get a fair idea about the interest rate and lending amount. Go for a deal which will help you to borrow a higher amount at a lower rate of interest. It will help you to meet your needs and at the same time, will enable you to save your pocket.

So, what else! Don’t let your bad credit ruin your dream. Avail a bad credit auto loan and finance your needs without any hassle.

Criss Haden is a senior finance market analyst and gives his useful advice by his articles. To know more about Bad Credit Auto Loan, Auto Loans, New - Used Car Loan, Fast Car Loan. You can visit http://www.uscarcredit.com

Article Source: http://EzineArticles.com/?expert=Criss_Haden

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General Advice

2009-10-11T17:27:00.001-07:00

http://www.hyipinvestment.com/general/geninvestmentadvice

Before investing in High Yield Investment Programs there are several aspects to take into consideration. Here’s a list of the most important ones:

› Always get some knowledge about the High Yield Investment industry before making a decision to invest your money in High Yield Investment Programs. A good advice is to read every page of this website before doing anything else. As mentioned before, when done right, High Yield Investments are extremely profitable, but without knowing the industry and which programs to invest in you’ll most likely lose your money. Knowledge is one of the major keys to success in the HYIP arena.

› Think about what your reasons for investing are. Are you looking at it as a solution to your financial problems you shouldn’t even think about it. As mentioned several times on this website, High Yield Investments are risky, and if you’re unlucky enough you could eventually end up without any money at all.

› Always think over your financial situation before taking the step to invest in HYIPs. Never invest more than you could afford to lose.· Are you a gambler or more careful? Even if High Yield Investing is much like gambling there are options that seem to be safer than other. Decide how big risks you are willing to take.

› If you’ve made the decision to start investing, find a few programs that you believe in, and invest in all of them. Diversifying your investment on several programs will reduce the risks and you won’t lose everything if one program goes out of business.

› Before investing in a specific program, do some research on it. Does the website look professional? Do they provide any contact information? Where are they based? Check this out before making a final decision.

› Always check what the rules are regarding withdrawals before investing in program. Some programs let you withdraw your money whenever you want. Others keep your money locked for months.

› Do some calculation using our high yield investment calculator to find out how long it will take before you’ll get your investment back.

Sometimes High Yield Investment can tend to be very much like gambling. And yes, it is very much about luck and about finding the right programs. However, if you follow the advice given above you’ll dramatically increase the chances of winning the game.

How to suceed in HYIP

2009-10-08T00:39:00.001-07:00

Hyip is one way to make money on the Internet. HYIP programs often promise
great interest high. High interest rates are clearly followed by a high
risk of loss as well. So how do I succeed in HYIP? The key is
diversification and prudence. Do not get all the money you put you
completely on a program. Put your money in a variety of existing HYIP
programs. This you must do because, according to rumors pesen 90 hyip
players have failed.

Fake silverfox-corp.com

2009-10-07T23:39:00.000-07:00

Investors of silverfox-corp.com program warn that the program administration stopped paying yesterday. Administration does not update investors about the reasons for payment delays and does not reply support requests. We strongly recommend you to stay away from this program.

Home sales contracts in 7-month rally

2009-10-01T18:04:00.001-07:00

NEW YORK (CNNMoney.com) -- Homebuyers signed more sales contracts in August than in any month this year, boosted by the looming expiration of a homebuyers' tax credit, according to an industry report released Thursday.

The August Pending Home Sales Index from the National Association of Realtors (NAR) surged 6.4%, the seventh straight month-over-month improvement in the indicator. The increase far exceeded economists' expectations -- a panel of analysts surveyed by Briefing.com had forecast a 1% rise.

Pending home sales rose 3.2% in July.

Pending sales are considered a forward indicator of housing market health since contract signings precede actual closings, which typically occur two to three months later. August contract signings show up in October and November NAR statistics as existing home sales.

Housing markets have gained some ground recently as a tax credit for first-time homebuyers -- which is scheduled to expire Nov. 30 -- stimulated sales of starter, and other, homes.

"No doubt many first-time buyers are rushing to beat the deadline for the $8,000 tax credit, which expires at the end of next month," said Lawrence Yun, NAR's chief economist.

One problem in extrapolating future closings from contract signings, however, is that there are continuing problems obtaining mortgages that may scuttle many deals, according to Yun.

"The rise in pending home sales shows buyers are returning to the market and signing contracts, but deals are not necessarily closing because of long delays related to short sales, and issues regarding complex new appraisal rules," he said.

Those issues also could also lead to some double counting of previous pending sales as buyers whose earlier deals fell through may return to the market and sign new contracts.

Still, the oversized gain in pending sales will surely translate into some increase in closings, and the report added to several other positive recent indicators that housing markets are at least stabilizing, if not in full-blown recovery.

Not all economic and housing indicators have been pointing up. Initial jobless claims climbed this week, according to a Labor Department report, after three weeks of declines.

Foreclosure filings are still well above normal and they threaten to go far higher as the terms of many toxic mortgages, such as interest-only loans and option ARMS, reset over the next six to 12 months and send the monthly mortgage payments of homeowners soaring.

Another housing market question mark is the status of the tax credit for first-time homebuyers, with the industry fearing that home sales could drop sharply if it's allowed to expire.

There are, however, several efforts in Congress to extend the credit and even to expand it to all homebuyers, not just first-timers. That could turbo-charge home sales if it goes through.

Safe HYIP, How to Find

2009-10-01T17:46:00.001-07:00

Constant plea from the HYIP for positive votes on monitor sites. This indicates a non safe HYIP and is an attempt to use you and others to recruit and enlist more users from whom they can accumulate more money to line their pockets before they flee the scene.

● Multiple announcements. A barrage of news and announcements can spell doom`s day for an HYIP. These announcements can range from vacation offers, global conferences, etc. A rule of thumb is that responsible HYIPs are usually stable and simple, making important announcements only once in a while.

● Delayed or missed payments from a program that used to pay on time.

● Repeated problem with website access. One day the site is up and the other is down. This is a sign that you are not dealing with a safe HYIP. It is just a matter of time before that on-off HYIP website goes down for eternity.

● Sudden change in payment method. When a program changes the way it processes payments, that is a sign of serious trouble.

● Announcements about website maintenance, DDoS attacks (Distributed Denial of Service. DDoS is an attempt to make a computer resource unavailable to its users by overwhelming the server with intense and sustained requests. The goal is to make the hosted web pages unavailable on the internet. The administrators of some popular HYIPs often complain of DDoS attacks, as the reason why their websites may not be available at times.), etc.

Often HYIPs use these untrue announcements to buy time so that new members can sign up and deposit funds that the HYIP will use to pay old members. When the new money come in, the HYIP will return to "business", but when new members do not sign up in large numbers, the game is over and current members are left with empty pockets. Of course, there are times when HYIPs do experience genuine server problems.

● One or more new "investment" plans that promise very high return.

● Sudden change in "investment" plan.

● News of expansion or claims of global operation. Beware of big claims by an HYIP; they just want impress the potential members with their nonexistent expanding growth. They want to look big but in fact they`re empty balloons.

● When an HYIP that used to respond to your e-mail suddenly stops replying or does it intermittently, the end is near.

● Unreturned or incomplete phone call. When you never really get to talk to a trader, you know you have a ponzi and for sure not a safe HYIP. If the recorded message is the only thing you can obtain, don`t get impressed by the "company`s impressive info". Scam. Avoid them, except you want to make money with ponzi HYIP.

Yes, there are hyipiers who are earning money from a ponzi HYIP. Perhaps they even don`t like to deal with a safe HYIP, who knows? Like some Las Vegas gamers who make fortune on a regular basis you can try with ponzi too, but this is not my suggestion and I am not giving you any tip of the kind and it can be also illegal in your country.

But on the contrary, if the program passes all these points, you may hit a safe HYIP among HYIPs; because they do exist. They trade for real, are honest and enough responsible to invest in their program.

HYIP essential rules

2009-10-01T17:44:00.001-07:00

...and you`ll make decent money in the risky HYIP arena. These rules are fruits of a long experience.

● Never, never invest more than you can afford to lose. You can see this rule everywhere, yet people do not hesitate to deposit thousands of dollars only to later learn this bitter rule.

Invest in one HYIP first, and put into only 10% of your total capital, then wait for getting back the money you invested. Put another 10% into another HYIP after you get back the money from the first HYIP.

If you lose in the first HYIP, your loss will be 10%, and this won't affect you much. You can easily earn back the cost if you choose good programs.

● Never deposit more than $1.500-2.000 in any one HYIP. If you have more money to invest, spread it over at least 5-6 programs. Why?

Because it is easier for the HYIP to pay profits on smaller deposit than on larger ones, especially if the program is using ponzi scheme.That`s why an HYIP may keep paying smaller profits when it no longer pays on larger amounts.

● The HYIP expert always makes a test spend at first. Your first deposit should be the minimum or as close to it. Then watch how easy or complicated it is to make a withdrawal.

● Set an investment goal. If you don`t want to find out too late that you have only been doing "emotional investing" without making real returns, set a goal before!

Put your investment goal into writing! Unless written down, it is oly a thought, not a goal. A goal is a written target towards which you aim every decision. It will help you exercise discipline, so that you remain determined and focused, especially when the excitement of the game heats up.

In setting your HYIP goal, start small. This will give you opportunity to master the skills of managing a small portfolio.

● Use your rationality. Rational investing is when you think clearly about where and how much to invest, when to increase your stakes and when to cut back. Rational investors don`t care about looks or impression. When an HYIP expert cannot justify an investment based on figures and facts, he won`t put his money in. Also, the rational investor is one who not only admits his loss in one HYIP, but is quick to bounce back with a plan to recoup the loss in another. And this desire to recoup loss is not based on feelings but on a well-thought-out plan.

● Never trust and be always suspicious of every HYIP. Whether the program is rated №1 of a monitor site, whether it has paid consistently for months, it doesn`t matter.

● The HYIP expert never compounds his earnings with the ponzi-type HYIP. Choose simple interest only. This is very,very important. You must resist to the tempting figures when you run the HYIP calculator. Be smart and don`t set your account to compound. Many "long-term" HYIPs may disappear before the maturity date of your initial principal.

If you still decide to compound your earnings, do it only for a while, until your balance grows, resulting in a larger regular payouts. You can decide to compound also after you have made your money back, your risk becoming zero.

● Don`t get impressed by the look of an HYIP`s website and do not judge an HYIP by its website. If you find a flashy HYIP site don`t presume automatically that it must be a "good" one.

● Do not reinvest your profit into the same HYIP, unless you are sure the program is fully reliable and honest. Normally, the quicker you pull out your initial principal the better off you are.

● Check an HYIP across several monitor sites before you make a deposit. This is the preliminary "work" of a real HYIP expert. If the program ranks high on numerous reputable monitor sites, that`s good. But remember, this is still not a complete guarantee.

Read negative comments mostly and ignore positive ones, except there are no negative votes. But beware of monitors that purge unfavorable comments. In this case you won`t see any unfavorable comment on the site for a particular HYIP.

Also, always check the comments posted on the monitor sites before you invest into a HYIP, even if you`ve been making money from it before.

Note: Not every HYIP seeks to be listed on monitor websites. In fact, some of the more responsible and stable HYIPs prefer NOT to be listed on ranking sites, because they fear to be put together with the bunch of ponzi HYIPs.

● An HYIP expert does not rely blindly on positive votes for an HYIP on monitor websites. An HYIP, especially if the program is using ponzi scheme, will continue to pay small amounts when it no longer pays on larger amounts.

Those still recieving their "pocket money" of few dollars will continue to post positive votes and that`s how the scheme of selective payments works. For this reason, when you are not being paid but you see positive votes in a forum, ask the voters to indicate the amounts of the payments they are still getting. They can surprise you with negligible figures.

● Invest only in an HYIP that has been monitored for one to four weeks. The start date of the HYIP does not count much. What matters is how long an HYIP has been monitored with reference to its performance as a paying program.

● Choose HYIPs with simple plans over those with multiple plans. Furthermore choose also HYIPs who offer realistic earnings and do not fall prey to promises of the ones who offer fantastic returns. They simply lie and are ponzi.

● The goal №1of an HYIP expert is to protect his principal, so select early release of principal over long-term payouts. And recoup your principal in the shortest lenght of time. In this case you will be winning.

● Watch like a HYIP expert for security features and indicators on an HYIP website before you deposit a significant amount of money into it:

--- • Lock Symbol on the bottom right hand corner of your browser.

--- • https in the URL in your browser window: https://websitename.com is a secure site. http://websitename.com is not secure. Sometimes you can only see the "https" in the member area. So, if you can`t see it on the public home page, register with the HYIP and see if it appears when you are in the website`s member area.

--- • DDoS Protection to prevent Distributed Denial of Service attacks. If the site has this feature it will be stated somewhere on the site, though the claim could be false. E-mail the HYIP and ask them if their website has DDoS Protection.

--- • Turing number. Usually this is a series of digits and is used to ensure there is a human instead of automated submission.

These security features are not a 100% guarantee against loss but they certainly help, especially when doing business with a genuine HYIP.

● Build your own HYIP expert strategy and stick to it.The basis for your strategy must be your instinct, experience and reaserch. Change and/or modify it only if your ampler experience is saying so.

● Withdraw profits from your HYIPs and reinvest the proceeds into reliable mutual funds with a brokerage firm for long-term investment. This also is part of an HYIP expert strategy. One good place to reinvest your profits is http://www.sharebuilder.com/, which has an automatic investment program that can transfer funds from your bank account into your long-term investment every two or four weeks.

PirexFund

2009-09-30T21:30:00.001-07:00

PirexFund LLC is a global fund manager dedicated to growing and preserving client assets and building trust, in partnership with financial professionals and institutions worldwide, since January, 2005 with their initial capital of $10 million. By our successful and open work we've proved our reliability and enjoyed confidence of our clients. Our professionals take advantage of currency price fluctuations to make profit for their clients by buying and selling major currencies and stocks. This Company is designed for a person who desires to acquire stable high profits from their funds.

Investment Plan

When you're making an important decision, who do you turn to for financial advice? Chances are, you seek help from the people who know you best, people who can help you make the right decision for you based on your values and goals.

We continue to offer new products in response to an evolving global market and our clients' investment needs. The broad scope of our product selection allows us to meet the needs of virtually any client.

Interest Rate 1.7%

Interest Return Daily

Term 60 Trading days

Total profit 100%

Principal Refund Yes

Total return
202%

Compounding No

Referral 5%

Minimum Deposit $10

Maximum Deposit No

Global Fund

2009-09-30T21:17:00.001-07:00

Tags:HYIP,HYIP Programs,Profit,Money,Online Investment,Make Money Online

Global Fund is a private investment program, backed by Gold, Forex, Bonds, Stocks trading, and investments in various funds and activities all over the world. Our mission is to provide our investors with a great opportunity for their funds by investing as prudently as possible in various arenas to gain high rates in return. We do have a reliable and profitable source of real net income, based on the real investment from the real market.
Global Fund is a well built investment portal, which provides secured, safe and 100% guaranteed investment environment to all people over the world. We built very secured system to ensure that users have the best time of investing with no fear. In Global Fund , we value and build long-term relationships with our clients. We appreciate your comments and encourage you to benefit from the extensive knowledge and experience of our team. We will do everything for you to invest successfully, because in Global Fund, you, the investor, is our priority.

eCardone

2009-09-30T21:06:00.001-07:00

eCardone Financial Corporation
is licensed and authorized for trading, exchanging, buying and selling Digital Currencies and Digital Gold Currencies online. The entry can be checked at Panamanian Business Register.
We are a leading ecurrency exchange provider, keeping the lowest ecurrency exchange rates in the long run, and having the least customer complaints. We drive the market by offering fluctuating rates in our automated digital currency exchange, giving our customers the opportunity to exchange digital currencies instantly or to speculate on digital currency prices. eCardOne was selected as the first official wholesaler for Liberty Reserve to support smaller exchangers. We give start-up exchangers the lowest possible wholesale price for buying and selling Liberty Reserve, so that they can find their market and grow. This year, we are preparing an offshore banking system for merchants and clients wishing to hold funds and pay invoices offshore, and be able to exchange to and from digital currencies instantly. We also plan to launch the best and cheapest debit card ever.

Kobel Capital

2009-09-30T19:36:00.001-07:00

Tags:HYIP,HYIP Programs,Make Money On Line,Easy Money

Kobel Capital first offered our unique services. The results were so positive, and the feedback to offer our services to the entire world. Our professional expertise allows us to offer you secure returns on investments. We use various strategies on market. Diversification in trading is its most important part which minimizes the risks and generates larger profits. We do all stuff for you. Our mission is to provide our investors with a great opportunity for their funds by investing as prudently as possible in various arenas to gain a high rates in return.

We offer you very simple investment opportunities with our group of the professional analysts. We do have a reliable and profitable source of real net income,based on the real investment from the real market. The most important aspect of investments, which range from low, medium to high returns are based on the fact that investment is always guaranteed.

Basic Capital

Profit: 2.55% Daily Calendar Days
MIN: $10 MAX: $7,500
Period: 90 Days

Principal Back: YES

5% Referral Commission

Medium Capital

Profit: 2.75% Daily Calendar Days
MIN: $7501 MAX: $15,000
Period: 90 Days

Principal Back: YES

5% Referral Commission

Expert Capital

Profit: 3.05% Daily Calendar Days
MIN: $15,001 MAX: $25,000
Period: 90 Days

Principal Back: YES

5% Referral Commission

VIP Capital

Profit: 3.35% Daily Calendar Days
MIN: $25,001 MAX: $100,000
Period: 90 Days

Principal Back: YES

5% Referral Commission

Fundamental systems for newbie hyip players

2009-09-30T19:25:00.001-07:00

With hyip fundamental systems, it is important to know just what you are getting into. Hyip is just like any other games. You wouldn’t make much easy money without any experience or getting some lessons. Every hyip player needs knowledge base which will aid in your hyip decisions and help ease your mind throughout the entire process.You also need to learn how to manage risk and size positions. These factors should be the cornerstones of any system. Basically, you need to know how much to risk losing on each hyip. People often make the mistake of ignoring this factor, that’s why over 90% of hyip players fail. Think of it in terms of being a gambler or being a casino. Do you analysis on risk management and position sizing and you will be well on the way to becoming one of the 10% successful players.Once you understand the numbers a little better you can look at specific strategies to play. Hyip fundamental systems should be quite simple. As with many other things, simple can also be very effective. Many have found that getting in and out as early as possible can be very simple and also very effective. The main thing though, is that you feel comfortable playing with strategy.The next aspect of creating hyip fundamental systems is testing. Testing your system is all-important in knowing if you will turn a profit or not. Don’t go half way, you may wind up with a ‘blown up’ hyip account. Test your system and make sure they work.Analyzing the results of these tests is the next thing to do. Anyone can see if a system will be relatively profitable from the results of testing. The hard part comes with understanding how to interpret the results and how they will affect your next hyip games.Analyzing the results and making necessary changes to your hyip fundamental systems will also likely make you substantially more profitable. There is no end to what can be done with statistics. Knowing how to gain is one thing, but gaining more and fastest way possible is harder.Many people today are looking for the best ways to play their money to get rich quicker and easier. Unfortunately, for the vast majority this will always be just a dream or even worse, they will lose their money.Instead of taking the time to make research, become strategically knowledgeable, and learn from other players who’ve played successfully and made a lot of money, they try to find their own way, and end up killing themselves.If you want to make money from the hyip, the answer is obvious, but simple; find somebody else who’s already done it then follow their success model.Most hyip players will never do these which is obviously incredible and powerful step. It’s hard to do hyip research yourself however, there are some tips on the best strategies to making a fortune on the hyip that many other players have used so far.Where should you begin looking for good hyip? Narrow your search down to hyips that have shown they can pay profit on a consistent basis daily. Some players have the mistaken belief that the real money in the hyip is in the high ROI hyips that can double their money literally overnight. They hope the hyips will keep pay them in order to spread words about the websites or cheerleads and to get more promotion.However, playing in these high ROI hyips, more often than not, is ‘hyip suicide’. When you are playing, your money is being used to pay for everything like promotion, referral commission, domain, hosting, monitors, etc.Many hyip players never make this critical distinction. As the hyip is paying high amount daily, the cycle will collapse pretty fast if it fails to attract more new deposits fast.Players seem don’t think this way. Instead, they always want to play in the high ROI that will make a killing overnight. While a few of you can make some money with these hyips, most will for sure lose money.However, don’t simply stop looking at how well the hyip is run. You also have to look at the live stats of hyip to determine whether it’s a good time to join. If more and more people are joining, then you should. As the daily payment is small for low ROI hyip, the cycle would probably lasts a little bit longer.Remember, hyip is a game and should be treated as such. Become strategically educated, be patient and you will make a killing on the hyip.Many of today’s veteran hyip players will tell you that the general key to success in hyip is to be able to comfortably take a loss. It is general knowledge among players in the hyip world that the hyip cycle is not predictable and it is safe to say that it never will be.In the world of hyip, it is expected to take a loss, even those who are experienced players know that it is inevitable. With that said, let us have a look at things you as a hyip player should be aware of, how you can take a loss effectively and use it towards the greater good of your hyip world.Psychologically, when a player loses he begins to become somewhat of a perfectionist in his hyip game. Many players think that in hyip, a good day will always be one that is profitable.However, this is not true. A player should define a good day as one where they have extensively researched and planned with discipline and focus, and have followed through to the entire extent of the plan.Yes, when a player has mastered the challenge of accepting losses and working through them with a well thought out plan then good days will become profitable in time.Because the nature of playing in an unpredictable hyip cycles vary greatly from one day to the next, so it is important that you concentrate on what you can control, instead of things that are beyond your control.Looking into the short term you cannot expect to be able to control the profits of your hyip. With that said, look at what you do have ability to control.

Wirecard at the Mail Order World 2009

2009-09-30T12:06:00.001-07:00

MUNICH - From 30 September 2009 Wirecard AG will be present for two days at this year’s Mail Order World in Wiesbaden, Germany. Interested visitors can find compelling proof of the comprehensive range of services offered by this Munich-based technology enterprise. These range from electronic payments processing for all distribution channels and risk management all the way through to the associated banking services.

The Mail Order World is the leading specialist trade fair for the mail order industry in Europe. Accompanying the German Mail Order Congress with its motto for this year, “Online fuhrt!” (online leads), at the Mail Order World the latest trends and technological developments for the mail order industry are presented.

In this particular environment, Wirecard AG focuses especially on the subject of risk management in regards to E-Retail. After all, the possibilities available for managing payment defaults and avoiding fraud are becoming increasingly important for companies planning on boosting their revenue and earnings figures.

Wirecard AG (Booth 441) provides information on how merchants can maximize their sales and profits while simultaneously ensuring - and even enhancing - a high level of customer satisfaction. Professional risk management provides support in particular by means of complex decision-making strategies. In the process, leading-edge technologies and flexible processes are deployed, for instance in intelligently linking customer, order and payment data within a single order process.

“Using the Wirecard system and on the basis of the functionalities and versatile solution modules of our risk management platform, we also provide merchants with the dynamic credit limit (Decision Engine) solution, among others. Each transaction inquiry is initially received by us at the time of the order, no matter whether this occurs via the Internet or from call centers. With the aid of an intelligent decision-making logic and by using customer data, the system generates an individual credit limit for the current order process and makes the possible payment method available in real time,” says Christa Wagner, Head of Sales Key Account Management Retail Services & E-Commerce at Wirecard AG in explaining what happens in practice, adding: “The result is a risk-optimized system of payment management for new and portfolio customers.”

In supplementation, the PCI DSS-compliant Wirecard platform ensures that the entire spectrum of services in connection with online payment processing is permanently available to merchants. Particularly in cross-border trade, they benefit from the integration of international and national methods of payment.

Via a single contact person, the Wirecard Group also guarantees credit card acceptance (acquiring) via Wirecard Bank AG. The complicated triangular relationship between merchant, payment services provider and an acquiring bank is eliminated in the process. As an acquirer, the Wirecard Bank operates in more than 69 countries and provides merchants engaged in brick&mortar and online business with more than 100 transaction and 15 payout currencies. Particularly in cross-border trade, the supporting services of the bank in the field of currency management or currency accounts generate added value. In this context, merchants secure significant liquidity benefits.

The Wirecard-Team will be pleased to answer any questions you may have at the Mail Order World, Rhein-Main-Hallen, Wiesbaden in Hall 4, Booth 441.

Payment Methods in Online Shops

2009-09-30T12:03:00.001-07:00

Cash is king — but only once upon a time. This outdated saying applies even less to purchases processed via the Internet. Sophisticated payment concepts must replicate the role traditionally played by banknotes and coins as well as facilitate trust between anonymous merchants and their customers. Electronic payment methods are the digital handshake which seal the deal in today’s business world.

Yet there is a practically limitless range of payment systems. Our four-part series of articles entitled “Payment Methods in Online Shops” will help you find the right provider for your ePages online shop and explain what you need to be aware of concerning activation. In “Part 1: A Forest Full of Trees” we will help you by shedding light on some key matters.

Payment in advance, COD, bill, credit card, direct debit, PayPal, Google Checkout, Moneybookers, T-Pay, Saferpay, and many more. A lot of online merchants are driven to despair by the sheer magnitude of payment possibilities. “Which ones should I offer to my customers and how many payment methods are sensible per shop?” “What advantages and disadvantages do Method A offer for merchants and customers? What about Method B?”

In order to see the forest above the trees, it makes sense to categorise the seemingly countless variety of payment methods wooing merchants and customers these days. Surprisingly enough, every payment method belongs to one of just three categories: “Payment without safeguards”, “Payment with safeguards”, “Payment with virtual wallet”

Category 1: Payment without safeguards

The “Payment without safeguards” category denotes all payment methods that do not involve an additional service provider which guarantees on behalf of the customer or merchant that payments will be properly processed. If a transaction is to transpire, then the customer or the merchant — or both — must take a leap of faith and blindly trust the other party.

Types of “Payment without safeguards” include: payment in advance, payment via bill, direct debit, manual credit-card payment (without external provider).

Payment in advance

Payment in advance is the most straightforward of all payment possibilities: items are shipped as soon as the customer transfers the necessary funds.

A sure thing for the merchant, though it entails more work: the merchant must regularly check their account to determine which orders have been paid for and can be approved for shipment.

Customers often dislike paying in advance. Small wonder: they must part with their money before the goods are even shipped. On the other hand, they can rest assured that the merchant cannot access confidential account information.

Payment via bill
This remains one of the most popular methods of payment among customers, especially in Germany. After all, they know that their bank information will be protected and that they can take a look at the goods before paying. A lot of customers thus prefer online shops which offer the option of payment via bill.

Merchants must consider the pros and cons. On the one hand, they bear all of the risk. They ship goods with the expectation that the customer will pay upon receiving them. And if payment problems arise, then debt collection is not necessarily worthwhile — especially in the case of relatively small sums of money. The resulting percentage of financial losses can however be offset, for example, by the higher volume of orders due to the option of payment via bill.

Merchants who are considering whether or not to offer payment via bill should also acknowledge the correspondingly considerable commitment with regard to tracking payments. The monitoring of such orders requires substantial amounts of time; unpaid bills must be identified and debt-collection procedures executed.

Direct debit

In the case of direct debit, a merchant has a fee-based contract with their bank which permits the merchant to debit payable sums from customers’ accounts. Customers consent to this method by providing their bank information in a shop’s payment form.

This can be risky for a merchant: in the case of non-payment, e.g. a customer’s bank account has insufficient funds or a customer ultimately demands re-payment, then the merchant loses money. Yet by the time the merchant becomes aware of non-payment, the goods have long since been shipped and payment is unlikely. Merchants who wish to minimize such risks require a supplementary fee-based insurance policy issued by their bank.

Not all customers are willing to divulge their account information, which entails an elevated risk of misuse. Yet willingness rises in accordance with a shop’s reputation and the respectability which a website broadcasts (e.g. by means of a seal of certification, such as those by Safe Buy or Confianza Online).

Credit card, manual

As with direct debit, a merchant must first sign a fee-based contract with their bank in order to obtain payment from customers’ credit cards in the case of manual credit-card payments. Customers are asked to provide their credit-card information to the merchant to conclude a transaction in an online shop. Merchants are unable to determine, however, whether or not customers use stolen credit cards. Merchants must then assume any losses, unless they have a supplementary fee-based insurance policy issued by their bank.

Customers are more willing to pay with credit cards than via direct debit - especially in the Anglo-American regions. Many potential customers nevertheless hesitate to pay with a credit card, for they must submit confidential data to an unknown party. A seal such as Trusted Shops helps to persuade customers.

Bulow Funds LLC

2009-09-30T11:55:00.001-07:00

Do you Know Bulow Funds . Check this Site http://bulowfunds.com/

It sounds good but beware! Don’t spend your money to much. Think to minimize the risk.

Tags: HYIP,HYIP,Money,Online Money,online HYIP,sex,babe HYIP

HYIP SCAM

2009-09-30T11:44:00.001-07:00

Avoid the following HYIP Programs. These HYIPs are Scams.

This is More SCAM HYIP LIST :
1. http://ensco-offshore.com
2. http://www.novalexfinance.com
3. http://steadygrowthinvest.com
4. http://capitalturnover.com
This is More SCAM HYIP LIST :
1. http://ensco-offshore.com
2. http://www.novalexfinance.com
3. http://steadygrowthinvest.com
4. http://capitalturnover.com
5. http://beyondhyip.com
6. http://www.exofunds.com
7. http://www.roxitrade.com
8. http://www.hyip-groupwork.com
9. http://www.stoic-capital.com
10.http://12dailyinv.com
11.http://bestinv.com

Monthly Scam HYIP - September 2009

2009-09-30T11:36:00.001-07:00

I find good post from this site http://info.hyip-expert.com/monthly-scam-hyip-september-2009/

Today a very bad thing happens that Onis Group got closed. Onis Group was the hottest program from last couple of months. Onis Group listed as one of top performance hyips for september 2009. Many investors have lost their money there.

Here they are list of scams HYIP during this month. Do not put your money into these scams.

Onis Group
Starting unknown, first news on site Dec 1st, 2008.
First time appeared on forums and monitors Jan 21st, 2009
Payment systems: LibertyRecerve, PerfectMoney, V-Money, Pecunix
Plans : 1 to 2.5% daily, ref. 5%
Domain name: onisgroup.com
Registrant Contact:
Onis Group
Paul Erdman ()
Fax:
10th Street, Canefield
Copthall, COMMONWEALTH OF DOMINICA 00152
DM

Archived Whois Record (2008-04-29 00:49)
Registrant Contact:
   Paul Erdman ()
   +1.8586100823
   Fax:
   8570 Ivory Coast Drive
   San Diego, 92146
   US

More information about archived whois record, please read onis group review here
Creation date: 24 Apr 2008 12:40:19
Expiration date: 24 Apr 2011 12:40:19
Dedicated Server: YES
DDOS Protection: NO
SSL: YES

Best Inv
payouts: 120% after 5 days or 145% after 10 days!
min deposit: $5
max deposit: $32,000
referral bonus: 5%
domain name: bestinv.com
lifetime: 60 days

Plus Inv
payouts: 112% after 3 days or 130% after 1 week or 310% after 1 month!!
min deposit: $5
max deposit: $25,000
referral bonus: 5%
domain name: plusinv.com
lifetime: 30 days

Stable Roi
payouts: 120% after 5 days or 150% after 10 days!
min deposit: $5
max deposit: $2,500
referral bonus: 5%
domain name:stableroi.com
lifetime: 25 days

Hedge Reserve
payouts: 102.5-105.5% after 1 day or 109.5-119% after 3 days!
min deposit: $10
max deposit: $20,000
referral bonus: 5%
domain name: hedgereserve.com
SSL certificate : Yes (Authenticted by COMODO)
Payment processor: AlertPay etc.
lifetime: 7 days

Root Invest
payouts: 26-32% daily!
min deposit: $1
max deposit: $5,000
referral bonus: 5%
YM support: rootinvest
domain name: rootinvest.net
lifetime: 12 days

Best Capitalist
payouts: 108% after 1 day or 128% after 3 days!
min deposit: $5
max deposit: $15,000
referral bonus: 5%
bestcapitalist.com
lifetime: 21 days

Also we receive information about the last programs that have been discovered as selective payers during this month are: Potential Funds, Yellow Forex, Technical Inv, Cos Capital, Super Capital, POIA, 4xinv, Kumani Fund, Jazz Hyip, Forex Center

Good luck and hope you get some profit in other HYIP

Coolreturn - Coolreturn.com review

2009-06-12T06:18:00.001-07:00

Recently a lot of new hyip spring up, with introduce various kind of product, certain it can beneficial or also can harm us. For this week i have joined with two new HYIPs that is coolreturn and global trader group. But todays, i'll only discuss my review about coolreturn.

About coolreturn site
The design of coolreturn site, it look a simple design. But, the principal is coolreturn have used custom script. And that is very important. Also, On the main members area, they have prepared menus which is very useful for member. You can find alot of history information. Included 'visitor history', when will you find information about whence visitor who used your referral link incoming. Unfortunately, the site is not secured, No SSL encrypted or even DDOS Protect. They have used sharing server And there found hundreds site, this is very lamentable. Also, this is reseller site which created on 2008-08-28. But anyway, this is only beginning for coolreturn. And before you start to investing here, read carefuly about coolreturn term and FAQ(Frequently Asked Questions). Therefore will be basic for your agreement with HYIP Programs.
Invest Plan offers
coolreturn have Six optional plan offers, with length of term is 100 calender days. And your principal will return after the end of term. Minimum to investing in coolreturn project is only $10 and maximum is $50.000, i think you should to use it for another business :)
Detail plan Offers
Trial 10 -500 10.00 1.00 100
Starter 501 -1,000 11.00 1.25 125
Classic 1,001 -5,000 12.00 1.50 150
Golden 5,001 -10,000 13.00 2.00 200
Diamond 10,001 -20,000 14.00 2.50 250
Platinum 20,001 -50,000 15.00 3.00 300
Such, you invest on first plan for about $100. Then, you'll get 1% equal with $1 daily return for 100 days remaining. After the end, you'll get your principal. So, profit for a cycle is $100.
1% x 100 days = 100% = $100 + Your principal.
Payment Processor
They are accepting Liberty Reserve, V-Money and Pecunix.

e-commerce - the basic

2009-06-09T06:44:00.001-07:00

Electronic commerce or e-commerce means buying products or services via the Internet. One way to do that is by using a credit card and the manner in which this process is shown in the diagram below.
Consumers visiting the online shop to purchase your merchandise. The transaction data via a secure connection, or SSL, the web host server.
The encrypted credit card data are handled by the Payment Processing Gateway, which is responsible for the transaction.
The movement of funds is handled by the merchant account.
The funds are then charged to the credit card buyers.
Followed by the funds being deposited in the seller bank.
Managing E-commerce
There are several ways to manage e-commerce transactions on your website. Perhaps the simplest method by which third party such as Paypal, to handle all your e-commerce process or any other method is by including all your website pages.
For all through your website, your site will be designed for your merchandise.
You can use the shopping cart system.
Alternatively you can use one of your own system with a customized website and a database.
If you accept credit card transactions through your website, it is important you Secure Socket Layer, or SSL, encryption in place. This ensures all transaction data is encrypted as they travel between the buyers and the PC server. When using an SSL secure system, a small padlock symbol is shown on your web browser at the bottom right of the screen.
There are two ways to integrate SSL into your website.
You can set the SSL field to the hosts.
You can create your own SSL certificate. This costs about $ 100 per year and requires a Hosingen account and a unique IP address. This method is certainly more professional than using third party such as Paypal.
If you decide to handle e-commerce transactions through your website, instead of third party to manage them, you should also set up a Merchant Account and a processor account.

tags: E-commerce ,Make Money On Line,credit card

New Payment Systems!

2009-06-06T08:08:00.001-07:00

You have an option to invest using not only Liberty Reserve but PerfectMoney (www.perfectmoney.com) and direct bank-wire.
As well please notice the minor changes in our investment programs. We have extended programs boarders from 20 to 1000 in the Pool program and narrowed the Venture program from 1000.1 to 5000. You can invest with Liberty Reserve in every program, you can invest with Perfect Money in every program, you can use bank-wires for investing in the Venture and the Fund program. Fell free to ask your questions or ask for help if any needed.

NanoMoneyCorp.com

2009-06-06T08:06:00.001-07:00

Nanotechnology and high tech developments today are not more just a myth for money making. It is real and it gives a real opportunity for you to be the first among those few who scoops out of it right now.
Nowadays lots of people make profit investing in nano stocks and nano initiatives. And you can be one of them.
It might appear a bit difficult for an ordinary man to understand the refinements of stock trading and investing. So once we decided to make everything much more easier for anyone willing to make extra earnings. We make the investments easy and understandable for everyone. You do not have to learn anything that sounds unfamiliar to you. No need to spend a lot of your precious time. In some way investing with us means investing in your time. And you time is one the most precious investment resources available.
Now you can start easy investments online with e-currency or bank-wire. No matter where are you now and what type of currency you have. You have a possibility to make additional profit placing online investments right from your home. It is simple and easy way to appreciate the benefits of modern life and collaborating with our company. Make profit any time and anywhere!
The other major reason we prefer e-currencies is to make your investment tax efficient and as simple as possible.
Nano Money Corporation is proud to present you a fair and open possibility to start online investment business and make money at home with just a few clicks.
With the development and world spreading of the Internet it became a great tool for investors, allowing them to research investments, trade securities and earn money with unprecedented ease.
If you don't know how to make money fast we would be just an answer. We do not declare that would make you a millionaire from one's bottom dollar investment. We give you real, stable and valued profit for long time.
We are an alliance of consultants with technology, business, market research and legal experience. Our knowledge and awareness together with the information we use once gave us something more than just satisfaction in stock trading. We found a new niche that turned out to be profitable enough to make money fast. And this possibility is no more just a benefit of a few chosen. We make it possible to everyone with the help of modern technologies and trends right at your home. And our main goal is to make your investment experience with us as easy and understandable. Your profits would be easy, logical, legal, and plentiful! You can make money without investment as well. Just register as a user and use all the benefits of our referral program.
Now you may become a part of the future with extreme potential and incredible yield. To become an investor with NanoMoneyCorp.com you have to open a member account.
We have no registration fees, no any hidden expenses at all. Just easy Investments that build wealth fast and secure!
Your investments into nanotechnology would become the most exciting and profitable experience of all your life. We clearly understand that it is just a time for making firm steps in shaky investment ground. Make your first step and we would guide you further.

Investment Forge

2009-05-31T07:33:00.001-07:00

Investment Forge is a registered and certified name for "Investment Forge Gmbh" and we are an investing control management team. Being registered in offshore jurisdiction on Cyprus, we manage to provide stable interest-earning potential to all of our participants. Earn money with Investment Forge is a simple and modern way to earn money online.
Our numerous team consists of professional analysts, currency traders, stocks exchange brokers and support staff. That will help you to earn profit online with Investment Forge.
Investment Forge provides investing management services to institutions and individuals through the Investment Forge Gmbh funds.
Our primary aim is to make as much earn money for our clients and ourselves as possible. Obviously the more money we have to trade with, the more positions our traders can take, and the more money they can generate for us. Earn money is our prime aim and even if you are not experienced in earning money online we will teach you how to become successful doing your home business.
We trade with the Scottrade Accounts and TeleTrader Software.
Several investment plans are offered for you:

PLAN A:
$50 - $500
Daily rate UP TO 2.0%
Program term - 40 business days

PLAN B:
$500 - $5,000
Daily rate UP TO 2.4%
Program term - 80 business days

PLAN C:
$5,000 - $100,000
Daily rate UP TO 2.8%
Program term - 120 business days

Tags: HYIP, MONEY, INVESMENT, FINANCE, MONEY MARKET, RATE, INVESTING, IMVEST, ON LINE INVESTMENT, INTERNET MONEY

PANAMONEY HYIP REVIEW

2009-05-30T09:22:00.001-07:00

PanaMoney hyip investment program was introduced to the investors on September 2008. So, it has been around for about 6 months now (when this post is written). This is quite good for a hyip program to last for that long since mostly they never rach 3 months old before scamming their members.

Pana Money claim they use Forex to back up their investment program, sure we don’t know if they really do trade on forex market. They offer varius investment plans that can be accessed on their Terms of Services page, visit the site to read more about their investment plans. All I can say is, their plans are quite good and ‘reasonable’ in hyip industry. Investors can also earn 5% commission for every referrals they get.

PanaMoney website hosted on a dedicated server and secured with anti ddos and secure connection to make sure the transaction process is smooth and safe from any possible attacks.

This investment program has been around for a while with good performance, however just like any other programs before, we don’t know until when they can keep paying. No one knows when will PanaMoney scam. So be careful if you decide to invest your money on Pana Money.

Junk High Yield Programs

2009-05-30T09:19:00.001-07:00

Be careful of these doubtful junk high yield programs below because they could closed (scam) soon faster than blink of your eyes.

WOIP
StableInterest
ForexLtd
GNI
AsianInvestGroup
OakCash
7Investment
LeaderTrader
AssetPay
MutualFundsLtd
NorthBiz
SetInvest
SilverLodge
LibertyReserveBank
PerfectFunds
MakeDeposit
NorthlineAssetMgt
VentureFundsGroup
FinancialProfitCorp
NeoTrustBank
Prolex
RealityFunds
Fundofprofit
Allworldhyip
Privatetradeltd
Fxpronet
topcommerce
ExtraReturn
EuroGoldEarners
PrivateHoldingInvestment
AcrylicTrade
30invFXtrade
EcomInvLtd
SCInvesting
RobusTrade
YenStock
BusinessLite
TheStoic
GeniusFunds
LakewoodTrading
BriCsFX
Onis Group
NoCrisisbiz
TradersGroupInt
AvexTrade
FundsEnergy
Jetprofit
ErtyInvest
Fxtradersbank
FavoMarket
GlobalOnlineInv
GoldenCapitalInc
ExtraReturn
InfrastructureInv
FlowBroker
PrivateHoldingInv
ComradeFinance
TradeContract
InvestmentForge
StoreGain
EncoreOffshore
PrinciptalReturn
Verifield
Visotrade
NewDayInvestment
CobexTalent
UnionFunds
3daysProfit
CasineInvest
Gainfund
OneGroupFunds
RealOnlineBank
TopInvestfund
Thefirstcash
JosephFunds
LBFund
LiptixStocks
CitadelInvestment
GlobalTraderGroup
SafeInvest
CascoFunds

New trend Private hyips are getting more popular than public hyips

2009-05-30T09:17:00.001-07:00

Because almost all types of non real investments like forex, commodities and stock markets have not shown good profit lately maybe better model of HYIP soon will be more like venture capital investment on real Startup Biz whether online biz or offline biz. This model of HYIP will be more transparent like Hedge Fund but gives no specific guarantee of profit percentage return. Actually there is already 1 program at HK which is like this model and still survive right now.

There are actually several non English High Yield Programs running in several countries outside USA/Europe/Australia but due to its language barrier not so popular among the crowd or monitored but common hyip list. Certainly China and other Asian countries which dont get hit so much by economic crisis still have local high yield programs though some of them are almost similar with venture capital or matrix mlm with bait tangible products

Many signs of growing invitation required programs have shown that private hyips are more trustable and getting more popular than public hyips. Public hyips has been associated with junk hyips/hyip games which usually scam in the end which makes many hyip players/members change direction to more trusted private hyips and private forex managed.

Probably because there were too many dying young hyips in the past which used daily interest payment now members are more careful in choosing which program they will join. Program which pays faster included its principal will be more favourable than daily interest paid program with longer principal payment.

GENIUS FUNDS

2009-05-30T07:58:00.001-07:00

Genius Funds manages two investment funds. Our funds are investing mainly in highly lucrative equities and bonds, focusing on emerging economies. We offer investment products that provide flexibility, keeping pace with the individual demands of our investors.

Fund name
Symbol
Dividends

Emerging Markets Growth Fund
EMGF
1.0% - 1.9%, Daily payments

World Bond Market Fund
WBMF
6.0% - 9.0%, Weekly payments

Exchange e-currency

2009-05-30T00:27:00.001-07:00

E-currency premium trader which buys, sells and exchanges digital currency such as e-gold, pecunix, goldmoney and e-bullion. Low fees, high safety and speed! Special deals for our clients.

HYIP Games

2009-05-30T00:25:00.001-07:00

As a result of online forums and monitoring sites which have made HYIP investors more aware of their nature, a different sort of "honest" HYIP began springing up in the early months of 2006. Basically, the HYIP owner calls his or her program a "ponzi-structured game" where one should "not invest money one cannot afford to lose", and where there is "never a guarantee of earnings or refunds". They promise to pay out up to (for example) 95% of deposits, the rest going to hosting or other fees and the owner's profit.

In such "games", the first participants ("investors") may make a good profit and are encouraged to refer other people to the program because of referral commission, the fact that they have already made back their principal and are playing with profit, and that the more people who deposit money, the more money can be paid out to participants. In theory, strategies can be developed to maximize profit using these games (but, of course, since this is a zero-sum game, such strategies work by taking advantage of ignorance or errors by others). Some forum users may gain a reputation whereby others will trust their word that they have been able to withdraw their profits, encouraging others to invest in the hopes that more will invest after them and that they can therefore make a profit. As these games are by definition Ponzi schemes, it is inevitable that the vast majority of investors who are not at the top of the pyramid will lose their money.

These "games" might be considered as lotteries. However, the odds of winning cannot be determined, as one cannot know whether one is playing early enough to win money (that is, whether a sufficient number of new participants will follow). Thus, these activities are unlike a lottery or other forms of gambling, where a player has an equal chance of winning no matter when a ticket is bought, or where the odds of the game are known.

Many claim that 2006 has been a disastrous year for HYIPs. The HYIP industry is going through hard times. There is no way to predict how popular it will be tomorrow. Most programs are scams and if they are not scams, they are a disaster in terms of profits. People don't invest as much as they used to be and most of them are very cautious. A new breed of HYIP games is likely to appear but only time will tell how successful it will be.

California Pension Seeks New Terms From Hedge Funds

2009-03-27T17:24:00.001-07:00

The California Public Employees’ Retirement System said the largest U.S. state public pension wants to renegotiate new terms from hedge funds.

Calpers, as the pension is known, said hedge fund fees should be based on long-term rather than short-range performance. Under the current system a hedge fund manager gets paid yearly, generally taking 20 percent of any gains he makes. If he posts strong performance one year followed by losses the next, he may still obtain hundreds of millions of dollars in fees at the end of two years, while investors break even or even lose money.

“We are so much more of their business now and with the way the market is, we think it’s time for us to be able to get better terms and conditions,” Calpers spokeswoman Pat Macht said.

Hedge funds tumbled 19 percent on average in 2008, the worst year on record and only the second time the industry has posted an annual loss, according to Chicago-based Hedge Fund Research Inc., which began tracking returns in 1990. Clients withdrew about $250 billion last year, a number that would have been higher if not for the record number of funds that limited withdrawals.

Most hedge funds must recoup last year’s losses before they can resume collecting fees on investment gains, usually a cut of 20 percent. Managers also typically take a fee equal to 2 percent of client assets under management.

Making Money

Against this backdrop, hedge funds are making money again, with average performance up 1 percent through March 25, according to a daily index published by Hedge Fund Research.

“Hedge fund managers are expected to exhibit the same sound approach to business management they expect from the companies in which they invest,” Kurt Silberstein, a Calpers’ senior portfolio manager said in a statement. “This restructuring effort is about building more stable, long-term relationships that also benefit hedge fund managers. It’s in our interest to get the best possible return on investment for our members, but it’s in the managers’ interest to be more closely aligned with Calpers in building stronger, more stable relationships.”

Calpers, with $173.8 billion in assets as of March 26, lost 26.6 percent after costs between July 1 and Jan. 31, according to its most recent investment activity report. Calpers, which provides pension and health benefits to 1.6 million government workers, retirees and their families, reached a record high of $260 billion in October 2007.

To contact the reporter on this story: Michael B. Marois in Sacramento at mmarois@bloomberg.net

Madoff’s Firm Sold to Castor Pollux, Lawyer Says

2009-03-27T17:23:00.001-07:00

By David Glovin, Linda Sandler and Christopher Scinta

March 27 (Bloomberg) -- The trustee liquidating Bernard L. Madoff Investment Securities LLC reached a deal to sell the company’s market-making business, an attorney said.

David Sheehan, a lawyer for Irving Picard, who was appointed by the Securities Investor Protection Corp. to unwind Madoff’s businesses, said today in an interview that a press release will be issued announcing the sale to an entity called Castor Pollux.

The sale is subject to higher offers in a U.S. bankruptcy court-supervised auction, Sheehan said. He declined to state the sale price. About 35 remaining employees of the unit were fired today as part of the planned sale, Sheehan said.

SIPC has a member firm called Castor Pollux Securities LLC, based in Medfield, Massachusetts. Darin Oliver, the president, couldn’t be reached by phone or e-mail for comment. Sheehan said Castor Pollux no longer required the trustee to retain the existing employees, with whom Castor Pollux may enter a “separate relationship.”

Picard has tracked about $75 million in Madoff assets to Gibraltar, raising to $1 billion the amount the trustee has recovered for investors, Sheehan said this week. A federal judge gave Picard power of attorney over Madoff’s London business in a March 23 order.

The U.K. unit, Madoff International, was owned almost exclusively by Madoff himself and served as his proprietary trading unit, Picard said in a Feb. 19 filing with a London court. Still, New York-based Madoff Securities and Madoff International “may well be inextricably intermingled,” he said.

Brokerage’s Earnings

The Madoff brokerage had earnings of just $1.12 million last year from its market-making and proprietary trading businesses, according to documents drawn up by the investment bank Lazard Ltd. Barry Ridings, vice chairman of U.S. investment banking at Lazard, which was handling the sale, couldn’t be reached by phone or e-mail for comment.

“The brand has no value because no one in his right mind would want to open a brokerage named Madoff,” Larry Tabb, founder of TAB Group, a financial-market research and advisory firm, said this month.

“You’re buying trading desks, computers, back office software and routing systems -- and every day the business isn’t sold, the value goes down and down.”

Madoff pleaded guilty March 12 to defrauding investors by using money from new ones to pay off old ones in a Ponzi scheme. Before his Dec. 11 arrest, Madoff had told his thousands of clients that they had about $65 billion, prosecutors said. Prosecutors and investigators including Picard, a lawyer with Baker Hostetler LLP in New York, are now seeking to recover assets for victims.

The bankruptcy case is Securities Investor Protection Corp. v. Bernard L. Madoff Investment Securities LLC, 08-01789, U.S. Bankruptcy Court, Southern District of New York (Manhattan).

To contact the reporters on this story: David Glovin in federal court in Manhattan at dglovin@bloomberg.net; Linda Sandler in New York at lsandler@bloomberg.net; Christopher Scinta in federal court in Manhattan at cscinta@bloomberg.net.

Bank of America May Raise Investment Banker Salaries

2009-03-27T17:22:00.001-07:00

Bank of America Corp. plans to increase some investment bankers’ salaries by as much as 70 percent following the takeover earlier this year of Merrill Lynch & Co., people familiar with the proposal said.

Bank of America, which has received $45 billion of taxpayers’ money, may raise the annual base pay for some managing directors to about $300,000 from $180,000, said the people, who declined to be identified because the final numbers are still under discussion. Salaries for less-senior directors would climb to about $250,000 from $150,000, and vice presidents would get $200,000, up from about $125,000, the people said.

“The concepts we are considering would not increase total compensation,” Brian Moynihan, Bank of America’s president of investment banking and wealth management, wrote in a memo to employees today, obtained by Bloomberg News. “Rather, we believe it is responsible, and consistent with the emerging public consensus, that a greater percentage of overall compensation come from fixed base salary.”

Bonuses will become a “smaller” portion of total compensation, Moynihan wrote in the memo.

The adjustments, which may be rolled out as soon as next month, are designed in part to align the salaries of employees at Charlotte, North Carolina-based Bank of America with workers at New York-based Merrill, one person familiar with the plans said. Salaries for traders and other employees outside the investment bank may also be adjusted, the person said.

Government Pressure

At the same time, governments across the world are gearing up to curb bankers’ year-end cash bonuses after the credit crisis forced regulators and lawmakers to use taxpayer funds to rescue the industry. The U.S. House passed a bill last week that would impose a 90 percent tax rate on bonuses paid by American International Group Inc. and firms that received more than $5 billion from the government. The Senate is weighing a tax.

“In view of the public concerns about executive compensation, changes in the market, and the need to create a more sustainable compensation culture, all the major financial institutions are evaluating compensation practices,” Moynihan wrote in the memo. “We are considering proposals that reflect principles that have been outlined by regulators and elected officials, as well as the need to be competitive in the industry.”

‘Public Perception’

The worst financial crisis since the 1930s has spread across the economy, lifting the U.S. unemployment rate to 8.1 percent, the highest in more than 25 years, and causing the biggest quarterly economic contraction since 1982.

“We’re in an economic downturn, the government is pouring billions into banks, and these guys are boosting their salaries,” said Jason Kennedy, chief executive officer of London-based recruitment firm Kennedy Associates. “There’s an issue of public perception.”

The U.S. is projecting that spending to stimulate the economy and rescue the financial system will lead to a $1.75 trillion budget deficit in the current fiscal year.

Bank of America, led by CEO Kenneth Lewis, has struggled to retain Merrill Lynch executives since it bought the investment bank in January. Merrill investment banking chief Greg Fleming and wealth management head Robert McCann have quit, and Andrea Orcel, Merrill’s top investment banker, has told people he’s considering leaving, according to two people with direct knowledge of his situation.

‘Go to Work’

“Orcel has indicated to his leadership team and to Brian Moynihan that he intends to roll his sleeves up, go to work on building our combined businesses, and try to ignore the distractions caused by anonymous sources of questionable reliability or motivation,” bank spokesman Scott Silvestri said in an e-mailed statement.

Before it was acquired by Bank of America, Merrill doled out $14.8 billion in pay and benefits last year, an average of $253,000 per employee, company filings show. New York Attorney General Andrew Cuomo is investigating $3.6 billion of bonuses paid to Merrill executives in December.

The American Recovery and Reinvestment Act of 2009 will require the top five executives at banks that receive at least $500 million of bailout funds, and the 20 top-paid employees at those companies, to forgo cash bonuses.

Bankers can still get stock bonuses under the law, as long as the shares are restricted until their employers repay bailout funds.

Other banks will likely ratchet up salaries as year-end bonuses shrink, according to compensation consultant Alan Johnson. UBS AG, Switzerland’s biggest bank, promoted about 1,500 investment-banking employees and raised their fixed salaries as much as 50 percent, SonntagsZeitung reported this month.

‘Silly’ Salaries

“It’s literally long overdue,” said Johnson, the founder of New York-based compensation-consulting firm Johnson Associates Inc. “Salaries haven’t really changed in 15 years. The whole industry had silly low base salaries. It was kind of a macho thing left over from the 1980s.”

Bonuses make up about two-thirds of a banker’s total compensation. Salaries have ranged from about $80,000 to $300,000, with bonuses often climbing into the millions of dollars, Johnson said. The five biggest Wall Street firms awarded their employees a record $39 billion of bonuses in 2007.

Financial firms worldwide have taken more than $1 trillion of writedowns and credit losses since the subprime mortgage market collapsed in 2007, triggering a global credit contraction. The U.S. government has pledged more than $11.6 trillion on behalf of American taxpayers over the period to prop up financial firms.

To contact the reporters on this story: Jacqueline Simmons in Paris at jackiem@bloomberg.net; Josh Fineman in New York at jfineman@bloomberg.net

U.S. Stocks Tumble, Trimming Gains at End of Three-Week Rally

2009-03-27T17:21:00.000-07:00

By Lynn Thomasson

March 27 (Bloomberg) -- U.S. stocks retreated, trimming a third-straight weekly gain, as the heads of JPMorgan Chase & Co. and Bank of America Corp. said results deteriorated in March and lower oil and metal prices dragged down commodity producers.

JPMorgan and Bank of America lost at least 3.2 percent, reducing this month’s rally in financials triggered when the banks said they made money in January and February. Schlumberger Ltd. and Hess Corp. slid more than 4 percent following a Goldman Sachs Group Inc. report predicting lower oil prices. Accenture Ltd. tumbled 13 percent, the most since the company went public in 2001, after the technology-consulting firm cut its forecasts.

The Standard & Poor’s 500 Index lost 2 percent to 815.94. The gauge is up 11 percent in March, poised for its best month since 1991. The Dow Jones Industrial Average decreased 148.38, or 1.9 percent, to 7,776.18. The Nasdaq Composite Index retreated 2.6 percent to 1,545.2. Seven stocks fell for each that rose on the New York Stock Exchange.

“You’ve got a lot of fear going into earnings,” said John Nichol, who manages $1 billion in Pittsburgh including the Federated Equity Income Fund, which has beaten 74 percent of its peers over the past five years. “You need growth and there’s just not a lot of growth right now.”

Alcoa Inc., traditionally the first Dow average company to release results, will kick-off the first-quarter earnings season on April 7. Analysts polled by Bloomberg estimate profit during the period slumped 36 percent on average for S&P 500 companies as the recession wiped out consumer spending.

All 10 industries in the S&P 500 fell today as a measure of consumer confidence held in March near a three-decade low.

Rebound Trimmed

The slump today reduced the S&P 500’s gain from a 12-year low on March 9 to 21 percent. The stock benchmark advanced 6.2 percent this week as the Treasury unveiled a plan to revive credit markets by helping investors buy toxic assets and companies from Best Buy Co. to ConAgra Foods Inc. beat analysts’ profit estimates.

JPMorgan dropped 5.8 percent to $27.40. Chief Executive Officer Jamie Dimon said “March was a little tougher” than January and February. Bank of America lost 3.2 percent to $7.34. CEO Ken Lewis said the bank’s trading book in March was “not as good as in the previous two months. Both executives spoke in interviews with the CNBC television network.

The S&P 500 Financials Index retreated 3.5 percent, trimming its rebound from a March 6 low to 51 percent, as Democrats in the U.S. House of Representatives recommended legislation to curb “predatory” lending and encourage the use of traditional 30-year, fixed-rate loans.

‘More to Come’

The new rules would prohibit banks from “directly or indirectly” hedging or transferring a minimum retained credit risk on most nontraditional mortgages, including some loans that have adjustable interest rates or require little documentation of a borrower’s income.

“While we have had a great deal of bad news on banks, we think there is still more to come,” said Goldman Sachs strategist Abby Joseph Cohen in a Bloomberg Radio interview from New York. “We’re certainly not yet in the clear -- whether in the U.S. or around the world.”

The banking industry had its first loss in derivatives trading last year, driven by a fourth-quarter $9 billion rout in credit markets. U.S. commercial banks lost $836 million in 2008 from trading over-the-counter cash and derivatives contracts, compared with a $5.5 billion gain in 2007, the Office for the Comptroller of the Currency said in a report today.

Energy Slump

Schlumberger, the world’s largest oilfield-services provider, dropped 4.4 percent to $43.52. Hess slumped 8.4 percent to $58.23. Crude oil declined 3.7 percent to $52.35 a barrel on the New York Mercantile Exchange, paring its sixth weekly increase.

Accenture tumbled 13 percent to $27.66. The second-biggest technology-consulting firm cut its profit and sales forecasts as the worsening economy curbed spending on computer equipment.

A measure of technology shares in the S&P 500 dropped 2.7 percent, the most in three weeks. The industry remains the S&P 500’s best performer this year with a 4.9 percent advance.

Amazon.com Inc. fell 4.3 percent to $70.52. The world’s largest Internet retailer was removed from the “conviction buy” list at Goldman Sachs because the shares are no longer cheap.

‘Headwinds’

“There are still plenty of headwinds out there to concern equity investors,” said Michael Koskuba, a New York-based fund manager at Victory Capital Management Inc., which oversees $50 billion. “Given the sharp rally we’ve seen, it makes sense for the market to sell off a bit.”

The U.K. economy contracted 1.6 percent in the fourth quarter from the third quarter, exceeding the prior measurement of 1.5 percent, which was also the median forecast of 27 economists in a Bloomberg News survey. Europe’s Dow Jones Stoxx 600 Index slipped 1.1 percent.

The MSCI Asia Pacific Index closed little changed after paring gains that drove valuations to the highest levels since December.

The Reuters/University of Michigan final index of consumer sentiment rose to 57.3 from 56.3 in February. The gauge, which has averaged 112 over the last three decades, reached a 28-year low of 55.3 in November.

Economy Watch

Growth in spending by U.S. shoppers slowed in February and incomes fell more than forecast amid the deteriorating job market, the Commerce Department reported. Bed Bath & Beyond Inc., Starbucks Corp. and Harley-Davidson Inc. fell more than 4 percent, leading the S&P 500 Consumer Discretionary Index to a 2.1 percent loss.

Rising unemployment raises the risk that recent increases in purchases will be short-lived, extending the recession though much of 2009. Still, other economic reports this week showed the economy is stabilizing as home sales and demand for longer lasting products, such as refrigerators, airplanes and computer chips, unexpectedly grew in February.

General Motors Corp. jumped 6.2 percent to $3.62 for the biggest gain in the Dow average. The largest U.S. automaker hired Commerzbank AG to find an investor for its Opel unit in Europe, two people familiar with the matter said. The sale would be part of the company’s plan to raise as much as 3.3 billion euros ($4.5 billion) in Europe, according to one of the people, who declined to be identified because details of the plan aren’t public. Spokesmen for Commerzbank and GM declined to comment.

Short Interest

The number of shares borrowed and sold short on the New York Stock Exchange jumped to 16.1 billion on March 13, the most since Lehman Brothers Holdings Inc. filed for bankruptcy, NYSE Euronext reported earlier this week.

The so-called short interest was boosted by an almost fivefold increase in bets against Citigroup Inc. between Feb. 27 and March 13 as speculators sold its common stock short and purchased its convertible securities before they are eligible to swap. Shares of the New York-based bank have rallied 75 percent since Feb. 27.

The S&P 500 is still down 9.7 percent this year after tumbling 38 percent in 2008, its worst annual return since the Great Depression. The MSCI World has dropped 10 percent in 2009 after last year’s 42 percent plunge, the biggest since the index was created in 1970.

To contact the reporter on this story: Lynn Thomasson in New York at lthomasson@bloomberg.net.

HYIP Investment Diversification

2009-03-26T03:02:00.001-07:00

High Yield Investment programs usually involve in a variety of high risk and volatile field of investment such as Forex trading, Stock exchange, Sports betting, metal trading etc. There are also HYIPs that do not invest at all, scammers. From these facts, you can easily realize that there is always a risk associated with investment in HYIPs.

If you are not able to control these risks, you will lose your hard earned money badly. For that reason, you should be able to implement a mechanism to manage and minimize these risks to the smallest possible. The most effective way of minimizing these risks is Diversification.

What is Diversification as applied to HYIPs?

Diversification is a technique that reduces the risk by spreading your portfolio over many programs to avoid excessive risk imposed by HYIPs. In simple English this means “ do not put all your eggs in one basket”.

There are certain issues you should consider on how to diversify you portofolio over different programs. Let’s see these issues one by one:

Determining how many Programs You should have

Obviously diversifying over 10 programs is better than investing into 2 programs. It is even better to have 20 programs instead of 10. But, it is hard to find 20 solid programs. There fore , The bottom line for diversification , as far as HYIPs is concerned is that , you have to diversify you portfolio over researched programs as maximum as possible. But, I want to clarify one thing; Diversification does not mean spreading your portfolio over scam programs. Always make a diligent research before you diversify you portfolio.

To put it briefly, diversify your portfolio to at least 5 to 10 well researched programs.

Mixing between Old and New Programs

You may have favorite programs performing well for long time, programs which you have more confidence, well researched and what you think are reliable. But there is a concern in HYIPs arena; there is always a calculated risk even with the most solid program. It is hard or impossible to exactly determine the age of a particular HYIP. For this reason, it is always recommended to mix your favorite HYIPs with new programs.

How much to Invest between each programs

It is obvious that you should spread your portfolio over different programs proportional to the programs credibility. But, you should be careful not to over invest in a particular program.

Let’s see what does this mean, say you have 8 programs and your portofolio is $1,000. It is not advisable to put $450 in a single program while investing $50 each between the rest 7 programs. You should make a balanced investment. Balanced in a sense, spread your portfolio proportional to the credibility of the programs.

Let’s how you can do this with your favorite 8 programs and $1,000.

To Star with, First group and grade your favorite programs based on their performance and credibility.

Say you have grouped your programs as follows:

• Class “A” (Top performers) programs – 3 Programs
• Class “B” (Good Choice) programs – 2 Programs
• Class “C” programs (Programs with less credibility than class “B”) – 3 Programs

And your grading for each class is:

• Class “A” is 1.5
• Class “B” is 1.25
• Class “C” is 1

(3 x 1.5) + (2 x 1.25) + (3 x 1) = 10

Now, let’s see how to distribute your portofolio over each class;

> For Class “A” programs: (1.5/10) x $1,000 = $150

> For Class “B” programs: (1.25/10) x $1,000 = $ 125

> For Class “C” Programs: (1/10) x $ 1,000= $ 100

Which means, invest $ 150 for each class “A” programs, $125 for Class “B” and $100 for Class “C” Programs.

Note that each number given is only for demonstration purposes; actual numbers are determined based on the number of your favorite programs and you grading.

You should also understand that the amount of investment for each program depends on other issues, such as the minimum investment of each program. Some programs have minimum investment of $10, $50, $100, $200; even there are programs with minimum investment of $1,000.

I would like to point out that you should always follow-up each of your favorite programs, make evaluations and adjust them accordingly.

In conclusion, there is no ideal diversification formula that is right for every investor- it depends on each program, your financial situation and tolerance of risk. But, if you diversify you portofolio over different programs, you money will always be safe even under the worst case.

11 Secrets of HYIP Pros

2009-03-26T00:00:00.000-07:00

Achieving success in online investment requires developing Habits and Attitudes that brings a mindset to fully exploit the benefits of HYIPs. This Mindset is the most decisive factor to turn Your Dreams into reality and accomplish incredible success in HYIP arena.

Here are 11 Secrets HYIP Pros use to succeed in HYIPs:

1. HYIP Pros are Committed to learn the Hard Staff

Most HYIP investors lose their hard earned money badly. Why? Because most of them lack knowledge and experience on how to deal in HYIPs arena. In other words they do not have knowledge on how to choose a particular HYIP for investment, how to manage their investment, what strategies and techniques to use, etc. They learn their lessons the hard way: they lose a lot of money first by investing how they shouldn't, and then they try to learn what they needed to know in the first place. HYIP pros are different. They learn first how to do all the hard things. They learn all about HYIP strategies and techniques. They set goals, make daily and weekly plans and measure their progress. They do not waste their time wondering around sites unless they have hard evidence that these sites will bring them success.

2. HYIP Pros work a Plan

Successful HYIP Pros have simple working model: they replicate their success. They know what strategies to use; they consistently work with these techniques and strategies. And more important, HYIP pros follow a schedule. Organization, Tacking returns and daily HYIP management are a way of their daily activities in HYIPs arena.

3. HYIP Pros Set Goals & Limits

Goal setting is a very powerful technique that can yield strong returns in all areas of your life. At its simplest level the process of setting goals and targets allows you to choose where you want to go in life. By knowing precisely what you want to achieve, you know what you have to concentrate on and improve.
HYIP Pros set sharp, clearly defined goals so that they will be able to achieve more and improve their performance. By setting goals, and measuring their achievement, they are able to see what they have done and what they are capable of. The process of achieving goals and seeing their achievement gives them the confidence and self-belief that they will be able to achieve higher and more difficult goals. HYIP Pros have a clear sense of purpose and direction in every area of their investment in HYIPs.

4. HYIP Pros take strong Measures to protect their Account Safe

HYIP Pros work hard to generate money at the same time they work hard to keep their money safe. They know how to deal online .HYIP Pros know that protecting accounts related to HYIPs activities are important. As a result they are always keen to take measures that protect their accounts safe.
They Use anti-virus software, a firewall, and anti-spyware software to help keep their computer safe and secure. They always set up their operating system and Web browser software properly, and update them regularly. HYIP Pros Use strong passwords or strong authentication technology to help protect their personal information. They wisely Use e-mail against fraudulent “phishing” emails and attachments which are often used to trick people into giving up personal information

5. HYIP Pros Make Research

HYIP pros obtain and analyze as much information as possible before making any investment decisions. They do not invest unless they have hard evidence that these sites will bring them profit. They verify the validity of a particular program’s real investment opportunities: They check the “WHOIS DATA” so that they will be able to get the detailed information about a particular business. In addition, HYIP Pros verify particular HYIPs trading history and qualification. They make the optimal research before investing their money.

6. HYIP Pros Diversify their Portfolio

HYIP Pros know that High Yield Investment Programs always carries a calculated risk. They are always working hard to minimize excessive risk imposed by HYIPs. They know, Diversification is technique to manage their investment. They spread their portfolio over different programs. HYIP pros also know how to distribute their investment over each program. They spread their investment proportional to the credibility of each program. They do not over invest. They focus on overall plan of their investment.

7. HYIP Pros Get Their Principal Back Quickly

One of the greatest problems in HYIPs arena is that it is impossible to predict the life span of a particular HYIP. Thus, it is important to take some mechanism to make your investment safe. One way of doing this is to properly use different compounding options. HYIP Pros Know how to Compound for a particular HYIP at different times.
HYIP Pros get their original spend back as fast as possible, i.e. they set the compounding option to 0% until they return back their initial investment, then after, start compounding depending on the status of the HYIP. They usually withdraw 50% of their profit by setting the compounding option to 50% after they return back their initial investment. And they watch for red flag for a particular HYIP, if they come across these red flags, they keep on withdrawing by setting the compounding option to 0%.

8. HYIP Pros are always watching for red Flags

HYIP Pros are always involved looking beyond the obvious, they act like a watchdog. They watch for important information about particular HYIP indications of potential problems or red flags, clues that a HYIP may be heading for trouble.
They know what a healthy HYIP looks like, how Ponzi’s look like, how they behave and what tricks HYIP scammers use to cheat investors.

9. HYIP Pros are ready to lose

HYIP Pros understand that high yield investment programs are risky. Therefore, they are always ready to accept any lose. But, they learn from their mistakes.

10. HYIP Pros Work Consistently

To achieve their goals, HYIP Pros have self-discipline to work every day with all the energy they possess. They consistently work to get a consistent result. Secret of their success is discipline.

11. HYIP Pros Never Quit

HYIP Pros never quit. They know that HYIPs always caries risk and they are constantly working to avoid these risks. When things go wrong, they don’t give up; they Keep on working hard and consistently and finally succeed. They know there is no magic bullet that will make them rich overnight without much effort. They are always patient to see the result.

What program to choose? Short-term or long-term?

2009-01-25T01:54:00.001-08:00

We were talking about different deposit terms as well as what these
terms can influence in one of the previous issues. Then we were
examining daily paying, weekly paying, and monthly paying programs.
Today we`d like to discuss this problem again and try to learn it in a
more profound way, without going into detailed differentiation
(according to the types of paying out the funds), just to discuss to
groups: short-term and long-term projects.

Of
course, from the start, You should determine Your position concerning
what kind of projects to consider as the short-term ones, and what - as
the long-term ones. The first ones are such projects, paying out the
profit to investor`s account every hour, every day, every week or every
month. The second ones are programs paying out the profit in a month or
even more. I.e. monthly paying programs and programs, paying more
rarely.

Now we are going to view different programs, offering both the
first and the second variants to invest money, afterwards, we`ll
analyze the basic principles of the difference between them which will
be in use for You to choose the most appropriate variant, hence, to
review the information, we expounded in the previous issues. And we
should say right now that, speaking of investment terms, we are not
taking into account a fact, well-known to any investor - HYIP market is
a field of dangerous yield. Receiving Your profit, You risk a lot, so
we hope that You pay attention to the programs and whether from Your
bitter experience, or knowing some useful information, You try to
analyze them, if they are scam or not, You look Yourself how real it is
to receive the profit. In our analysis we are not going to talk about
this, and, by default, will consider all the programs really working
and honest schemes.

Let`s start with the main principles. What is a term for investors?
It`s a period of time between investing funds and having the interest
payout from an admin. Investor may receive interests daily, weekly or
monthly, depending on the terms of the program - nothing more. What is
a term for admins? In fact, term for admins - is the most convenient
form of paying out the profit to investors, and it depends solely on
hi/her will… and opportunities. No matter how strange it is, but any
admin of any program depends a little bit on some terms. As You know,
foreign exchange market, gold market, equity market work every day.
That`s why Your admin can make profit DAILY. Moreover - HOURLY!
Moreover - EVERY MINUTE! It`s real. However, agreeing upon paying the
interest in time with the investors, admin undertakes to deduct a
certain amount of the profit or from the resources owned at a certain
time. Admin of the program may have a series of considerations as for
this.

First of all, he is guided by the real opportunity to ``pay the
bills``. If the terms of a program declare payouts every minute, and at
the same time with a fairly good percent, none of the admins will be
able to make a reality of a dream from the very beginning. What for?
Resources should sustain promises. If Your admin offers paying out the
profit hourly, so he must have (!) resources, allowing to pay the
promised interests out even when there are any difficulties on the
market or harms in any other sphere. Investor doesn`t care how the
admin feels today, good or bad. In accordance with the terms, investor
receives his interests irrespective of whether it is raining or snowing
today and it`s worth keeping in mind. That`s why, dealing with the
programs, charging themselves greatly, be more than sure, these guys
are able to sustain their promises with real funds or activities. The
fatalists are not welcome on the HYIP market, that`s why beggary
admins, offering payouts hourly - are most likely cheaters. How can we
know? First of all, site - is a face of a program. It needs money.
Secondly, hosting. Thirdly, feedback! Let them introduce themselves and
show the letter of introduction. Anything, confirming that admins are
not just talkers. You should be careful.

Now we are through with the peculiarities of short-term programs.
Long-term programs are a little bit different. Taking into account the
fact that admins are going to handle Your money for a month and more
doesn`t mean that he is poor and has nothing to sustain the promises
with. One month is enough to go bankrupt, just like in one minute, but
we don`t speak of scam, so a program should pay for at least several
months, and taking into account much higher interests, You can be
reworded with interest. So, by default, we can rely upon the fact these
guys have some money for these several months. And if they are real
traders or work in the real business, if they have money supply and act
right, they can more or less provide You with a steady income and, as
the result, to turn into a long-term program with a real percent.
Speaking about the risk. On the one hand, there is a risk, just like
any other business, just like any other HYIP program. Ant we can`t say
for sure that short-term programs are more dangerous. Your daily
payouts can just be under the threat because of any fluctuations on the
market, which can be ``played back`` in long-term programs. We
mentioned this phenomenon in our previous article and validated it
earlier. But, at the same time, the losses from such kind of problems
are often less notable.

While we were preparing this article,
we were analyzing the tendency of programs` survival, correlating them
with the terms of interest payouts. It turned out that the most stable
are programs on the basis of weekly payouts (Best4Invest, TATIJANO -e-
TRUST), though some of them pay daily as well. We can say - it`s the
optimum alternative. The number of old-timers is less among short-term
programs. And still less the number of programs paying low interests
weekly and monthly and at the end they promise 900% per month (they
will probably disappear at all soon, when the time comes) (Fastopay
(http://www.fastopay.com). This is all concerning the terms.

Now let`s talk of the percents. We are not going to discuss this
topic in a very detailed way. We did it in the previous article of
ours. Now let`s review the basic milestones.

The lesser the term of a program is, the lesser the interest is?
the more the term is - the more the interest is. It makes sense. The
initial deposit makes up great difference in these programs. It can
influence Your choice on account of various conditions. As we mentioned
in the previous article, the minimum investment amount for the
programs, paying on the monthly basis in contrast to daily programs,
can reach 500$, being from 1$ to 10$ in the second ones. For example,
deposit program Stocking Trading System, the deposit from 10$ to 10
000$ is accepted (by the way, this program has a very profitable
referral system).

The important constituent of the programs and their analysis is
opportunity to withdraw funds. If it is fully automated, You won`t have
any chance to withdraw Your funds, for example, in a program on the
basis of monthly payouts, if You have some bad news on the interval
between the scheduled payouts. As the experience shows, more often
short-term programs give opportunity to withdraw funds any time. But if
there is a chance to do it in long-term programs - that`s nice! Pay
attention to this!

Hope that our advices will be in use for You.

P.S. We advice You to look through the previous issue of ours to get some additional information.

Carefully, e-gold fraudsters sleep only with one closed eye

2009-01-25T01:52:00.001-08:00

There are a lot of articles about high yield programs, scam and risk as
well as an opportunity to make money with investing. Sometimes it is
difficult to understand in what article the truth is written. There is
a lot of information and advice about online investments, use of
e-currencies and fraud.

The
truth is that HYIP is on a high and is growing everyday on the Internet
circuit. Another truth is that people who are gaining fortunes
investing in these programs are increasing in numbers. But you must
understand that HYIP investments are not always high return and luck.
Success in HYIP means knowing the right things about HYIP investments.

You
know surely that you will have to undertake a lot of research work if
you decide to invest into HYIP. Researching a host of HYIP program
sites is the first thing that you should do before you jump into
anything. Profit making from HYIPs will require you to devote some time
to the Internet. And this is primarily because you will have to get a
clue about the market scenario. You will also know where to search for
HYIPs.

Knowing facts big or small will certainly help you to
face situations better and consequently will help you to add on to your
profits. A great number of HYIP monitors, discussion forums and admins
of investment portals can help you to get needed useful information
about high yield investment programs. They also urge the users to rate
every program whatsoever.

Well, I do not talk
about the HYIP research information in this article. The important
point of this writing today is E-gold account. Though E-gold was
established by Douglas Jackson only in 1996, this system has a central
position in a HYIP process nowadays.

Any investor knows that he
will have to transfer cash from his bank account to the company’s
account by way of e-currency. And to make possible the use of these
accounts he will be required to register with one or all of them. Not
just that, before his account gets active, the investor will have to
certify his email address to say it all.

So
we know the system and tools of HYIP investments. The question is why
scammers like E-gold so much? According to a HYIP website who maintains
a comprehensive database of HYIP scams daily, 89% of the scams
preferred E-gold as their online payment processors than others.

Another official fact of great fraud in the E-gold system is that in
January 2006, BusinessWeek reported that an 4000-strong international
crime syndicate involved in massive identity theft and fraud, namely
Omar Dhanani said to have moved amounts ranging from $40,000 to
$100,000 a week from proceeds of crime through e-gold.

The
answer is that two features of E-gold are very attractive for
fraudsters. No necessary verification is needed and easy entry into an
E-gold account made the system a perfect one for scammers. However,
millions of people all over the world continue to use E-gold.

At
first, I give some short information how E-gold works. E-gold and
OmniPay have also been accused of being a medium for money laundering,
although this is questionable given that there were only 24 customer
accounts holding over 10kg of gold (approximate value $200,000).

As digital gold currency providers are not banks, they are not legally
required to perform various sorts of “know your customer” background
checks. However, many E-gold exchange providers require a high level of
identification, sometimes more intrusive than a bank.

The
problem is that opening an account at www.e-gold.com takes only a few
clicks of a mouse. Furthermore, customers can use a false name if they
like because no one checks. With a credit card or wire transfer, a user
buys units of E-gold. Those units can then be transferred with a few
more clicks to anyone else with an E-gold account.

Furthermore,
we discuss how scammers steal money from our E-gold accounts. The most
common method for fraudsters is to gain access illegally into your
E-gold account, lock you out and then move out financial means from
your account. For example, a clever scammer may send a pseudo-email
from the real E-gold system to E-gold users.

He may claim that
you need to click on a link inside the mail to verify your account.
Certainly, you will be asked to fill in your E-gold account number,
passphrase, email address and email address password. Then the thing is
clear – scammers use all your information and steal your money.

Another
example is that the scammer can install key logger software at the
computer where you have an access to your E-gold account. The software
captures you account number and passwords which they use for stealing
money. This mostly happens if you use a public computer.

Protecting
from E-gold fraud is not difficult and there are some simple rules, for
instance, you should always logout from your account after use. Or if
you want to try a new exchanger, it is advisable to test with a very
little amount the first few times. And it is important to remember that
you may never click on a link in any message supposedly sent to you by
E-gold because E-gold will never send you messages with attaches.

We
see that E-gold is important to a lot of online businessmen as a form
of payment for their services or products all over the world. HYIPs
without the E-gold system are like the Earth without air. However,
online scammers know this too and prefer this e-currency too.

Do
not remember, the E-gold fraudsters sleep only with one closed eye and
you can be their next victim! My article can help you keep your money
on the E-gold account and sleep with two closed eyes.

‘Year of The Ox’ Signals Drop for Asian Stocks, Astrologers Say

2009-01-25T01:30:00.001-08:00

Tony Tan, a Singapore-based
astrologer, is urging investors heading into the ‘Year of the
Ox’ to emulate the beast that lends its name to the lunar new
year -- be patient and deliberate.

Concerns about the global economy that pummeled Asian stocks
in 2008 will persist, causing the MSCI Asia Pacific Index to
extend last year’s record 43 percent slump, according to
astrologers including Tan, who founded the Harmony Academy of
Chinese Metaphysics in 1995.

Just like the ox, “investors should be patient and
position for a potential market upturn in 2010,” said Tan, a
former broker at the securities arm of DBS Group Holdings Ltd.
He predicted correctly last year that markets would peak and
investors will suffer losses.

The MSCI Asia Pacific index’s tumble in 2008, which
coincided with the lunar ‘Year of the Rat,’ ended a five-year
bull market for the region’s equities. Stocks plunged as the
credit crisis caused the failure of banks including Bear Stearns
Cos. and Lehman Brothers Holdings Ltd., dragging the world’s
largest economies into recession.

The Chinese lunar calendar ascribes each of the 12 years in
the cycle to an animal, which in turn represents different
personality traits. Besides the rat and the ox, the tiger,
rabbit, dragon, snake, horse, goat, monkey, rooster, dog, and
the pig are also part of the pantheon.

Huge Fluctuations

As well as being patient, those born in the year of the ox
are hardworking, stable and tenacious, Hong Kong-based
astrologer Edwin Ma writes on his Web site. Ma contributes a
daily horoscope column to Hong Kong’s South China Morning Post
newspaper.

In the year of the ox, Tan said investors should avoid U.S.
and European assets, because both regions are at the center of
the credit crisis. Credit-related losses and writedowns at
financial institutions worldwide have swelled to more than $1
trillion. U.S. and European companies account for 97 percent of
that total, data compiled by Bloomberg show.

Tan Khoon Yong, an astrologer who established consulting
firm Way OnNet Group, agrees on the need for caution, given the
stock markets’ performance in the previous ‘Year of the Ox’ in
1997, which coincided with the Asian financial crisis. The MSCI
Asia Pacific Index plunged 28 percent that year.

“Chances of boosting one’s wealth in the ‘year of the ox’
are slim as the fluctuations brought about by the ox are huge
and fast,” Tan said. He recommends holding shares in marine
transport, fishery, technology, energy, hotel, media, lottery
and food and beverage companies.

Last In, First Out

One support for Asian equities may come from investors
favoring the region because it is relatively sheltered from the
credit turmoil, Tony Tan said. While he bases advice on a mix of
Chinese philosophy and astronomy dating back more than 3,000
years, some stock analysts do echo his sentiments.

“The news flow will still be negative but Asia will be
resilient,” Timothy Wong, head of research at DBS Group, said.
“Asia was the last into this crisis and it will be the first
out of this crisis.”

The MSCI Asia Pacific’s 5.6 percent drop in the past three
months beat the 13 percent drop by its European equivalent and
7.6 percent by the U.S. gauge.

Economies in Asia’s developing countries will grow 7.1
percent this year, outperforming the U.S. and Europe, according
to the International Monetary Fund’s World Economic Outlook
released in November. U.S. will slip 0.7 percent, while Europe
will dip 0.5 percent, IMF said.

China Growth

“You will see the first sign of improvement in Asia
because that is where the ‘wealth star’ is,” Joey Yap, founder
of the Academy of Chinese Metaphysics in Kuala Lumpur, said.
“The one country that will still do well once the dust settles
is going to be China.”

China’s economic growth slowed to 9 percent last year from
13 percent in 2007 as the global economic recession crimped
export demand. The IMF forecasts China will grow 8.5 percent
this year.

Still, Yap cautions investors as the “year of the ox”
coincides with the “year of the earth,” symbolizing more
turmoil ahead. Only a few industries will do well this year,
such as healthcare, education and plantations, he said.

“Earth is a non-moving element, you need to clear the dirt
first before you could get things moving,” said Yap. “The
overall dominant theme of the year is deterioration, decay and
stagnation.”

Small Banks Move Into Mortgages as JPMorgan Retreat

2009-01-25T01:29:00.001-08:00

Matthew Stubbs said the mortgage
choice was easy when he bought his Seattle dream home: Pay less
than 6 percent to locally based HomeStreet Bank, or a percentage
point higher and $3,400 extra in fees to Wells Fargo & Co.

“The differences were so pronounced that there was no
question when it came to the final decision,” Stubbs, 31, who
closed in November on a three-bedroom house in the Beacon Hill
neighborhood, near Seattle’s new light rail line and Amazon.com
Inc.’s headquarters, said in an interview.

Small banks with little or no exposure to the toxic debt
that crippled Wall Street have money to lend as U.S. homebuyers
struggle to find credit. While the largest lenders retrenched in
the third quarter, loan volume for institutions with less than $1
billion in assets rose 6.8 percent, according to Pacific Coast
Bankers’ Bank, a San Francisco-based trade group. Barry James,
chief executive officer of James Investment Research Inc. in
Xenia, Ohio, says that trend will continue.

“There’s some real strength in these smaller institutions
that didn’t get in trouble,” said James, whose $650 million
Golden Rainbow Fund owns community bank shares and has beaten 99
percent of its competitors over the past five years, according to
Bloomberg data. “They are picking up business.”

HomeStreet Bank increased its residential mortgage business
by 13 percent in the third quarter from a year earlier, according
to a Federal Deposit Insurance Corp. filing. Meanwhile the
largest national banks, including New York-based JPMorgan Chase &
Co. and Citigroup Inc. and Charlotte, North Carolina-based Bank
of America Corp., curtailed mortgage lending amid the industry’s
$1 trillion in credit losses and writedowns.

A Local Advantage

“No longer do nationwide lenders or investors want to just
pick up business 3,000 miles away, because they’re so concerned
about risk,” Guy Cecala, publisher of Inside Mortgage Finance, a
Bethesda, Maryland-based newsletter, said in an interview.
“That’s the real advantage a community bank has. They
effectively know everybody in the neighborhood, or all their
customers.”

Stubbs, who works for the Seattle City Light public utility
and has an above-average credit score of 760 in a scale developed
by Fair Isaac Corp., said his first contact with Wells Fargo came
in a phone call with an agent in Anchorage, Alaska. By contrast,
he spoke to a HomeStreet loan officer who lives in Seattle and
had also bought property in the area.

“It seemed that he understood the local housing market and
knew the neighborhood, which is something that isn’t captured in
the standard risk profiling,” said Stubbs, who bought the house
for $340,000 with his girlfriend, a graduate student.

Mortgage Applications

In November, the month Stubbs completed his purchase, U.S.
mortgage applications fell to an eight-year low as housing prices
tumbled. Applications picked up in December, when lower mortgage
rates encouraged homeowners to refinance. The top five lenders
slashed mortgage originations by 50 percent over the course of a
year, according to New York-based analyst Meredith Whitney at
Oppenheimer & Co.

Countrywide Financial Corp. and Washington Mutual Inc. cut
residential lending before they were purchased last year by Bank
of America and JPMorgan, respectively. The same was true for
Wachovia Corp., acquired by San Francisco-based Wells Fargo on
Jan. 1. Even Wells Fargo, which has weathered the housing crisis
better than its competitors, reported a $10 billion drop in
third-quarter mortgage originations from the previous quarter.

JPMorgan originated $28.1 billion in mortgages during the
fourth-quarter, a 30 percent decrease from the previous year’s
period. Home equity originations dropped 83 percent from the
previous year to $1.7 billion in originations.

Shares Surge

When Deborah Parsons refinanced her Topeka, Kansas, home
last year, she opted against Countrywide, her mortgage company
for more than a decade. Instead, Parsons turned to Capitol
Federal Financial, a local bank she sees daily on her drive to
work.

Parsons closed the $80,000 loan in December, and now can
reach a local bank representative near her home, instead of
relying on the toll free number that appeared on her Countrywide
bill.

“Customer service was the biggest part and just knowing
their reputation,” said Parsons, 45, who refinanced so she and
her husband could buy new windows and upgrade their air and
heating systems. “We see their commercials, see them on the
street corners.”

Capitol Federal shares have surged 38 percent in the past
year, the best performance in the 495-company Nasdaq Bank Index,
while Wells Fargo, Citigroup, Bank of America and JPMorgan each
have fallen by at least 40 percent.

‘Aggressive’ Banks

National banks that financed the U.S. housing boom “got
very aggressive,” lowering interest rates for home loans,
offering adjustable-rate products to subprime borrowers and
selling bundled mortgages in the secondary market, said Steve
Brown, chief executive officer of Pacific Coast Bankers’ Bank,
which was formed in 1997 and counts more than 200 community banks
as shareholders across the U.S.

“It got so tight that community banks couldn’t stand in the
space any more,” Brown said. “Now the pendulum is swinging the
other way. A small banker can look a customer in the eye, shake
their hand and know them better. You’re not working with models
and prices set in New York.”

That’s become a familiar story to John Dicus, chief
executive of Capitol Federal. The bank’s market share of single-
family mortgages in Kansas City, about 60 miles from Topeka, fell
to 10 percent in mid-2008 from about 20 percent five years ago,
when competitors offered subprime loans to the riskiest customers
and Alt-A mortgages that didn’t require proof of income, Dicus
said.

No Subprime Backlash

Capitol Federal, with a default rate one-seventh the average
of the top 10 U.S. banks, lost business because it wouldn’t lower
its credit standards. Now it’s benefiting.

Profit for the fiscal year ended Sept. 30 jumped 58 percent
and only a quarter of one percent of loans is delinquent. The
lender’s market share is up to 12 percent and opportunities
continue to arise, Dicus said.

“We haven’t been adversely affected through the subprime
and Alt-A meltdown,” Dicus said in an interview. “The smaller
banks, the ones that have been successful through this, will play
a big part in bringing us out of it.”

Hudson City Bancorp., a Paramus, New Jersey-based home
lender, said Jan. 21 that fourth-quarter profit climbed 60
percent, bolstered by increased mortgage originations. The stock
has dropped 17 percent in the past year, compared with the 66
percent slump in the 24-member KBW Bank Index.

More Growth

“The reduced number of lenders will continue to fuel our
mortgage growth,” said CEO Ronald Hermance, in a statement.

Capitol Federal and Hudson City hold most of their loans
rather than sell them. Banks that sell their mortgages in the
secondary market have been hurt because investors that buy
bundled loans are only purchasing securities backed by the
government. Those accounted for 99 percent of issuances in the
first nine months of 2008, according to newsletter Inside MBS &
ABS.

To reignite lending, the U.S. government has poured more
than $200 billion into banks through the Troubled Asset Relief
Program, a $700 billion fund approved by Congress in October.

Community Bank System Inc. opted not to apply for TARP
because it had plenty of capital, the DeWitt, New York-based
company said in November. Today, the bank said it boosted
consumer mortgage lending by 8.7 percent in the fourth quarter
from a year earlier. The stock has dropped 12 percent in the past
year.

Big Banks

As smaller banks increase lending and add market share, the
biggest institutions aren’t losing their dominance. Citigroup,
JPMorgan, Bank of America and Wells Fargo accounted for two-
thirds of U.S. mortgages last year, said Cecala of Inside
Mortgage Finance.

Companies in the Nasdaq Bank Index had total loan portfolios
of $1 trillion at the end of the third quarter, according to
Bloomberg data. The four biggest lenders had 3.5 times that
amount, led by Bank of America with $1.1 trillion, which included
loans made by Countrywide and Merrill Lynch & Co.

The average market capitalization of banks in the Nasdaq
group is $251 million, while the top four U.S. banks are each
worth an average of $52 billion.

Still, John Koelmel says his small bank in upstate New York,
First Niagara Financial Group Inc., is finding more opportunities
than ever and plans to expand lending in the next two to three
years.

Adding Customers

The shares have jumped 22 percent in the past year and the
lender has added customers including small businesses, real
estate firms and home owners as bigger competitors like HSBC
Holdings Plc and Bank of America scale back in the region, he
said.

“It’s abundantly clear to us that they’re not pulling back
temporarily, they’re retrenching for the longer term,” said
Koelmel, 56, from his company’s headquarters in Lockport, New
York. “That’s created and translated into meaningful
opportunities for us. It continues to open doors for us
everyday.”

Madoff affair sparks demand for revamp of investment fund rules

2009-01-12T21:17:00.001-08:00

By Peggy Hollinger in Paris and Joanna Chung in New York
Published: January 13 2009 02:00 | Last updated: January 13 2009 02:00
European rules on investment funds need an overhaul in the wake of the $50bn (£33.7bn) alleged fraud by Bernard Madoff to restore investor confidence, the French finance minister urged last night.

Christine Lagarde warned that the Madoff affair could weaken Europe's efforts to create a safe environment for cross-border investment, as it was revealed how member states had interpreted directives differently.

The warning, a thinly disguised attack on Luxembourg regulators, was made in a letter sent last night to Charlie McCreevy, Europe's internal market commissioner, and copied to Jean-Claude Juncker, prime minister of the Grandy Duchy.

In New York a US judge has ruled Mr Madoff can stay out of jail while awaiting trial. US magistrate Judge Ronald Ellis denied prosecutors' requests to jail him pending trial because he posted packages containing more than $1m in jewellery and other assets to friends and family members.

Mr Madoff will remain in his Manhattan apartment under house arrest and electronic monitoring. The judge also ordered Mr Madoff to compile an inventory of all "valuable portable items" in his home. A security company is to check the inventory and search all outgoing physical mail to ensure that no property is transferred.

Without naming Luxembourg, Ms Lagarde alludes to "certain" member states that imposed only limited responsibilities on custodian banks to ensure that assets entrusted to them existed.

Under Luxembourg law, UBS, the Swiss bank that ran two so-called "feeder" funds registered in the duchy that invested with Mr Madoff, was allowed to delegate custodianship in certain cases to a third party. The two funds are believed to have had assets of about €2bn (£1.8bn) invested with Mr Madoff.

Colette Neuville, the defender of shareholder rights in France, warned in an interview with the Financial Times that action was needed to protect the free movement of capital across borders.

Financial Trading – so many markets, so little time

2009-01-10T04:44:00.003-08:00

I never involve in Financial Trading, but I’m dreaming someday I will do. For now I have no enough money. Here is an article I get from somewhere.

Trading covers a multitude of sins, or at least a multitude of markets. Mention “trading” to a non-trader and they’ll probably think of stock and shares but there are many other markets you can trade in. These include commodities, futures, indices, CFDs and options. They all have their pros and cons and some require specialized knowledge.
The most popular markets used by traders are stocks, commodities, futures, indices and forex. Some traders switch between markets, others stick to just one. Let’s highlight some of the similarities and differences between them.

Shares
In the USA there are over 40,000 shares so you have a lot of markets to choose from. You can’t deal in all of them so you need to home in on those that offer good trading opportunities using whatever trading methods you decide to use.

When buying shares you usually have to put up all the money at the time of sale. That might seem obvious but it’s not so with all markets. Some brokers offer a 50% margin with shares which means you can trade to the value of twice the amount in your account. This seems like a good deal but if your shares start to go down you’ll get a “margin call” and will either have to put more money in your account or sell the shares at a loss.

Shares are normally traded in lots of 100. If you want to trade an expensive share – and some shares are very expensive, particularly in the US markets – you need a considerable amount of money in your account.

It’s not easy to sell shares short. Selling short is a strange concept to many people who think of buying shares at a low price and selling then at a higher price. But it’s often easier to predict that a share will fall rather than rise so what you’d like to do is to sell it at a high price and then buy it back later at a low price. The net result is the same whatever the order of the deals – buy low, sell high.
However, you can’t sell something you don’t own so in order to sell shares short you must “borrow” them from your broker. This is not quite as straightforward as buying and not all shares are available for selling short.

Finally, share dealing takes place during market hours so if you don’t live in the country where they are being traded you must adjust your trading hours to suit.

Futures, commodities and indices
Commodities are goods such as corn, copper, crude oil, orange juice, oats, gold and wheat.
Technically, a futures contract is an agreement to make or accept delivery of a commodity on a certain day at a certain price. In practice this rarely happens unless you’re a manufacturer who actually wants the goods. The vast majority of futures traders are simply speculating on whether the price will go up or down and never take delivery of an item.

Futures contacts include commodities and also stock market indices such as the S&P 500, Dow Jones and the Russell. Indices are simply a composite of securities that provide an overall reading of the market or some section of it.

The S&P 500 (Standard & Poor’s 500) tracks 500 of the largest companies in the US market. The Dow Jones Industrial Average tracks only 30 of the largest and longest-established companies while the Russell 2000 is an index of smaller stocks.

Essentially, commodities and indices are futures and traded in much the same way although traders may use the terms interchangeably.
Unlike shares, futures can be sold short just as easily as they can be bought. Each futures contract has its own fluctuating price and many traders deal in just one lot contracts.

Brokers usually charge a flat fee commission per contract, often expressed as a “round turn” which is one buy and one sell transaction. This may be a few dollars, often less than the value of a point or two on the contract. If you’re trading a long time frame the commission is negligible but if you’re day trading and scalping for a few points here and there it becomes a considerable part of the cost.

Futures brokers usually offer a margin of around 20% of the value of the underlying instrument so you can control $10,000’s worth of a contract for maybe $2,000. However, the same rules apply – if you over-leverage your account you’ll receive a margin call or your positions will be closed at a loss. Margin and leverage are a two-edged sword.
Many brokers offer a demo account so you can get used to the trading platform and test your trading strategies before you put real money on the line.

Forex Currency Trading
Currency trading, foreign exchange or forex as it’s more commonly known, has fast become one of the most popular markets for private traders in recent years.

As its name suggests, it involves buying and selling foreign currency. The most commonly traded currencies are referenced against the US Dollar and are sometimes referred to as a “currency pair” even though you are only trading one instrument. For example, the GBPUSD is the UK Pound/US Dollar pair. A value of 1.7625 would mean that the one Pound is worth 1.7625 Dollars. Other popular pairs include the Euro (EURUSD), the Swiss Franc (USDCHF) and the Japanese Yen (USDJPY) although there are others.

So unlike shares and futures, you don’t have a mass of markets to choose from, but there is variety within forex currency trading to give you a range of markets to trade. The value of each pair differs slightly but the minimum movement – called a “pip” – is worth approximately $10. The GBPUSD has been averaging 100-150 pips per day which would be $1000-1500. Many brokers let you trade half or even quarter-size lots which are useful when you’re starting out. Also, many brokers offer a demo account so you can practice before risking real money.

The total value of the forex market is worth trillions of dollars per day, far larger than shares or futures. It is also a truly international market with dealing taking place all around the globe 24 hours per day from Monday to Friday. You can, therefore, trade at any time of the day or night at times to suit you. It’s worth noting, however, that the bigger moves generally occur during the US and European trading sessions.
You can sell short forex just as easily as you can buy and brokers offer highly-leveraged accounts too – but the same warning regarding margins apply here as well.

Brokers tend not to charge a commission for trading forex and you will often see adverts for “commission free” trading. However, they make their money on the spread which is the difference between the buying price and the selling price. The spread is usually between 3 and 5 pips although some brokers may offer a 2 pip spread on some pairs, and some less-popular pairs may have a larger spread.

Paying on the spread is particularly useful when trading mini lots. A 3-pip spread on a quarter lot will be about $7.50 whereas on a full-size lot it would be $30. Again, the spread is more important when trading short time frames where you’re only aiming to make a few pips per trade. You need to build the spread into your trading system so you don’t overestimate the amount you might make per trade.

One interesting aspect of forex currency trading is that there is no central clearing house where absolute prices are quoted, unlike shares and futures. So it’s quite possible to see different brokers quoting slightly different prices for the same pair. As the market has become more efficient, this difference has reduced, in most cases, to a few pips but it highlights the importance of checking that the data you are using for analysis is the same – or close to – that used by your broker for placing your orders.

The market you decide to trade will depend on many things, not least of all, your budget, but also how many markets you want to look at and what hours you want to trade. There are trading vehicles to suit all preferences and pockets.

Benefits of Forex Trading

2009-01-10T04:44:00.001-08:00

Why some people like to involve in forex trading ?. There are many reasons that can be told. Here’s a few of them.

LEVERAGE: In Forex trading, a small margin deposit can control a much larger total contract value. Leverage gives the trader the ability to make extraordinary profits and at the same time keep risk capital to a minimum. Some Forex firms offer 200 to 1 leverage, which means that a $50 dollar margin deposit would enable a trader to buy or sell $10,000 worth of currencies.
Similarly, with $500 dollars, one could trade with $100,000 dollars and so on.
LIQUIDITY: Because the Forex Market is so large, it is also extremely liquid. This means that with a click of a mouse you can instantaneously buy and sell at will. You are never 'stuck' in a trade. You can even set the online trading platform to automatically close your position at your desired profit level (limit order), and/or close a trade if a trade is going against you (stop order).
PROFIT IN BOTH 'RISING' AND 'FALLING' MARKETS: On the stock markets, you can only make money if shares are rising, but in economic recession and falling 'bear' markets, there is little chance of making big money. Forex is different. One of the most exciting advantages of FX trading is the ability to generate profits whether a currency pair is 'up' or 'down'. A trader can profit by taking a 'long' position, (buying the currency pair at one price and selling it later at a higher price), or a 'short' position, (selling the currency pair and buying it back at a lower price). For example, if you think the US dollar will increase in value vs. the Japanese Yen then you will buy Dollars and sell Yen (go long). If you think the Yen will increase in value against the Dollar then you will sell Dollars and buy yen (go short). As long as the trader picks the right direction, a potential for profit always exists.
24 HRS: From Sunday evening to Friday Afternoon EST the Forex market never sleeps. This is very desirable for those who want to trade on a part-time basis, because you can choose when you want to trade--morning, noon or night.
FREE 'DEMO' ACCOUNTS, NEWS, CHARTS AND ANALYSIS: Most Online Forex firms offer free 'Demo' accounts to practice trading, along with breaking Forex news and charting services. These are very valuable resources for traders who would like to hone their trading skills with 'virtual' money before opening a
live trading account.
'MINI' TRADING: One might think that getting started as a currency trader would cost a lot of money. The fact is, it doesn't. Online Forex Firms now offer 'mini' trading accounts with a minimum account deposit of only $200-$500 with no commission trading. This makes Forex much more accessible to the average individual, without large, start-up capital.

Please visit the author's other trading sites to learn more about forex trading:
http://www.daytrade-forex.com
http://www.daytradeforex.com
http://www.daytradeforex.com/products.htm
http://www.professionalforextrading.info
http://www.professionalforextradingonline.info
http://www.successtrading2000.com
http://www.successtrading2000.com/forex
http://www.tradecurrency.ca/education.htm
http://www.shortterminvestingsite.com

Forex Trading: Great Opportunity or Scam?

2009-01-10T04:43:00.001-08:00

A lot of interest has been generated recently in FOREX trading, hailed by some as the great new investment opportunity. There are even companies running TV infomercials, offering sure fire systems that will bring massive profits in an easy fashion.

So what is forex? Is it something new? The exchange of currencies is said by some to be the world's second oldest profession and as long as there have been two sovereign states that have issued their own currencies, there has been foreign exchange as a facilitator for trade.
Forex, as foreign exchange has been abbreviated to, has been conducted for centuries and has become a global market with a daily turnover according to a recent Bank for International Settlements survey of $1.9 trillion (billion, billion) per day. Essentially it is a global market place with no physical exchange building where all claims on foreign currencies are settled - between governments, corporations, investors and speculators among others. Banks have traditionally been the middlemen who provide the liquidity to this gigantic market, which incidentally is traded on an almost continuous 24-hour basis.

Then came the Internet and suddenly it became possible for everyone to get a piece of the speculative action. Brokers sprouted up with their electronic trading platforms and high 'leverage'. Essentially the brokers lend clients funds to speculate with, 100:1 or in some cases up to 400:1 ratio, or leverage. This means that $10,000 can 'control' up to $4,000,000 in the market. This is far higher than is possible in the stock market.

Many people have been attracted to the possibilities of earning fast profits from forex. There are often sharp movements that can turn your $10,000 to $20,000 in a matter of minutes. You can also get wiped out, but the lure of a fast buck has turned would-be speculators into out-and-out gamblers.

The Internet has also made it possible for the individual to obtain so-called 'charts', that allow them to do 'technical analysis' on their own PCs. The theory is that price movement patterns repeat themselves, so if you have a system of analysis, you can predict a future move in the market.

This may well be the case, but it does not address the problems of the psychology of trading - the fear and greed that drives many to irrational behaviour. People are often taken in by the seller of a system, often paying $5,000 for a piece of software that shows a green light to buy and a red light to sell. However, they don't tell you how to manage your money.

So speculators lose. It has been estimated that 90% of new investors in forex lose their capital in the first year - an appalling figure. What can one do to avoid being a victim? Well, forex is a business like any other business and planning is required. It is also a profession and as such, adequate training is necessary so that you understand fully what forex trading is all about.

Many are prepared to invest thousands in forex trading without really knowing what it is all about. Just think if franchises were offered in a major hamburger chain without the franchisees having a clue how to run a restaurant or even make the burgers. The failure rate would also probably be 90%!

As with all investing, it is all a matter of risk and reward. Investing in Government securities is considered low risk, therefore they carry the lowest return. Increase the risk (the probability of loss on the investment), the higher an investor is rewarded in terms of return. An individual trading forex decides his own level of risk, which should dictate the level of reward. However, in the hands of an inexperienced trader, the two factors are impossible to reconcile, meaning in stark terms that traders cannot control the risk or the reward levels.
People attracted to forex trading often have an unrealistic expectation of what can be earned. To start with an investment of $5,000 and expect to be making $100,000 a year after the first year is unrealistic. It is not impossible; then again, neither is winning the lottery.
If the parameters for trading are laid down and adhered to combined with knowledge of forex trading, success is possible. It does not take much in the way of 'enhanced' returns to be able to double an investment. 26% per annum is required to double your investment within 3 years.

Who is going to teach you? There are some very good courses available, but these will only give you the theory, in itself very important. The ideal way is to have a mentor, or guide to show you the way.
Getting mentored is a wise move because it makes it possible to draw on the experience of a veteran expert and avoid making the common mistakes that cause the unwary to suffer catastrophic losses. After a while under guidance, a forex trader will gain the experience
The bottom line is that forex is not in itself a scam. There are for sure scam artists who prey on individuals' greed as there are in any other business. If it is approached in a sensible and realistic manner and the trader is prepared to work hard, forex can provide a good living both financially and materially.

NetPay Payment System

2009-01-09T03:33:00.001-08:00

NetPay™ is a family of payment processing solutions for issuers, processors, and commerce service providers. NetPay provides an open and extensible payment processing platform that supports existing as well as emerging payment standards. The system supports traditional credit and debit card processing via SSL, SET, SecureCode, 3D Secure, ISO 8583 and XML. Its SecureTranz based architecture makes it the platform of choice for the development of new electronic check, digital cash, micropayment, and payment aggregation services. NetPay is CISP / PCI compliant. Its PK based security infrastructure provides true end-to-end transaction security from transport through data storage. Its distributed architecture provides scalable fault tolerant 24x7 system operation. The NetPay virtual wallet and mobile payments module provides secure and easy to use m-commerce payment functionality from any device - PC, PDA, cell phone, kiosk, or set-top box. NetPay systems include a comprehensive suite of backoffice applications for customer service, system monitoring and administration.

NetPay consists of the following independent payment systems.

NetPay Merchant™ is a comprehensive payment authorization, settlement and management system that enables individual merchants and malls to accept and manage electronic payments. The product works in concert with industry standard shopping catalog products. It supports traditional payments to processors via SSL, dial and lease line as well as SET, SecureCode and Verified by Visa (VbV). NetPay includes a comprehensive enterprise call center that provides fully integrated customer service and administration functionality for credit-return authorization and tracking, transaction management and report generation. The system supports payment aggregation, recurring payments, loyalty, stand-in authorization and private label credit cards.

NetPay Gateway™ is a comprehensive SET payment interface solution that enables financial institutions such as banks, card companies, and third party credit processors to process and manage SET based transactions. The system interfaces directly with existing host processors through ISO8583 or proprietary message interfaces.

NetPay Wallet™ is a self-contained PC resident electronic wallet application for consumers. It can operate as a standalone or an embedded browser application. It provides consumers a convenient and secure mechanism to initiate and manage payment, billing and banking transactions.

NetPay PCA™ system is a server-based wallet application that can be securely accessed anytime, anywhere, from any Internet enabled device. NetPay provides secure multi-user access control, encrypted data storage, PKI based secure message transport, digital receipt management and smartcard support.

The NetPay Merchant Server™ and NetPay Gateway Server™ supports hardware based cryptography and key management for enhanced security and performance. The NetPay Payment System™ can operate as a standalone system or in conjunction with NetPay Billing System™ and NetPay Banking System™. The NetPay Wallet™ and the NetPay Call Center™ applications are smartcard enabled for enhanced functionality, convenience, and security.

Internet Bank Account

2009-01-09T03:19:00.001-08:00

Internet banks do offer great deals, but there are caveats to consider too.

Almost every internet bank account offers a better deal that your local bank can offer. So why don’t we all have an online account? Well, they are great value, but you should be aware of some warnings before you rush in- specifically customer service and security.

The internet bank account revolution seems terribly exciting. An internet bank account invariably offers a great rate of interest on your current account balance, which your high street bank doesn’t. But before you rush to switch, let’s look at the caveats.

Firstly, when things go wrong, you want somebody to talk to. Your branch bank gives you lousy interest because it has to employ real people to look after you. You ought to know your bank manager, and he or she is there to assist you. Before signing up to an online bank, ring their customer service number just to see how long it takes them to answer the phone. Of the internet banks, Smile and First Direct are particularly good at customer service.

Then consider fraud. It’s no good saying it won’t happen to you- it might. Most online banks do offer an anti-fraud guarantee that if you lose any money through fraudulent use of your account, they will replace it. But the burden of proof is on you, and it’s a drawn out process to get compensation. The fact is, online banks use the same password security systems as everyone else, and while the majority of us use our partners or pets names as passwords, it’s not too hard to see why fraud does happen. If that scares you, again use a branch bank.

These aren’t reasons to be put off an internet bank account entirely- but no bargain comes without some sort of trade-off.

Best Internet bank award granted to Standard Chartered

2009-01-09T03:18:00.001-08:00

Global Finance Magazine granted an award to Standard Chartered Bank for its best corporate/institutional internet bank in Asia, Africa, Middle East as well as for Trade Finance Services. Earlier in September 2008 Standard Chartered was awarded best-in-class for 11 categories in the Global Finance Best Internet Bank Awards.

The strategy of attracting new customers and wide range of services provided by Standard Chartered were acknowledged as one of the strongest in the region while its Straight2Bank service which offers the most comprehensive range of products on a single interface, was especially congratulated in the awards. Straight2Bank is the only internet based banking solution which extends to their clients’ eco-systems and allows for a common workflow between their clients’ trading partners who may not be direct clients of the bank.

Straight2Bank was introduced in May 2008 in line with Standard Chartered’s commitment to strengthening its online capabilities and on delivering flexible and convenient solutions for its clients.

7 Power Habits to Guarantee Financial Independence

2009-01-09T03:14:00.001-08:00

Are you always running short of your funds?
Do you still have to borrow money sometimes to at least live comfortably?
Do you get to pay your bills on time?

If you answered mostly yes, then you are in danger of being financially unstable. You cannot afford the things you want and sometimes, even the things you need. Don’t go sulking out there! You better move your body. If such is the case, better tell yourself that you cannot afford to be that way always. You have to be financially independent.
What is financial independence? Financial independence is the capability to determine and support yourself through your own endeavors. There are 7 ways or habits for you to follow to gain financial independence. With the right attitude and the proper goal in mind, you might just find yourself beaming with pride because of your achievement.

Keep a focused vision
Start with a vision. What is your vision for your life? Where are you definitely heading? You want financial independence. You want to be able to stand on your own and have a more stable and secured life, for yourself and for your family.
Keep that vision in mind. Hold on to it as you start to realize that vision. The choices and decisions you will make in the future will have to head to the direction of your goal. Return to that vision when things get doubtful or tough.
Invest your money wisely
Generate income. Your income will be the financial foundation of your vision. This will basically come from your job’s income, but don’t settle with that. Aim to increase your income. Invest your time, money and effort into a beneficial enterprise. Start a business that you feel passionately about and make sure it will work. Think carefully of every detail in your enterprise and work on it. Do not settle with good enough results. Aim for excellence, quality and integrity to succeed.
Save up
Start a fund for your future. Allot a percentage of your present income to savings. Do this at the start of each month, before you go ahead. This will avoid the enticement to buy, buy, buy. It will also teach you how to properly budget your money for necessary expenses.
Money in the bank could also earn interest. Although it is not considerable compared to a good investment, it is still a good way to keep money for your future. Just make sure you maintain the money in your savings account. Avoid touching it unless it is really necessary.
Give value also to your coins. Every single cent matters. All of those scattered coins you have there could comprise a few dollars. Even if it is considerably small amount, it will still find some use for that.
Spend wisely
Don’t spend all your earnings. As they say, don’t earn to spend. Buy only things that you really need. Tighten those belts for now as you bank for a more secured future. Choose to live simply. Forget the need to show off on other people that you can afford. If you want achieve financial independence, you must hold on to your money as much as possible.
Avoid incurring debts as much as possible. Take control of your finances as much as possible. Credit cards for example could hold you locked in a desperate state. You could be getting what you want now through that credit card, but imagine yourself giving the bulk of your income for interest payments! Make ends meet in the meantime for later on in life, you will surely afford to be leisurely.
Keep contingency plans
You must plan ahead for events in the future. Have contingencies. Make certain that your financial assets are secured. At this phase, it is a good option to get an insurance policy. Insure your life, health and property, even your loved ones.
Protect your interests whenever you enter into any engagement. Make sure that your endeavor is legal, that you are financially capable, and that it is feasible within your means. This way, you will have optimal performance and desirable results. You could prevent harmful losses in the long run.
Take care of yourself
Health is wealth. The only way for you to achieve your dreams and be able to stand on your own is when you are physically and psychologically able to do so. Have regular check ups with your physician. Have a healthy diet. Exercise Regularly. Health will be your asset to achieve financial independence. Only a good physical standing would allow you to enjoy the fruits of your toils today.
Be Unstoppable
You must keep yourself focused to achieve the goal of being financially independent. Do not let yourself be distracted by whimsical desires. Do not spray. Do not procrastinate. Every cent and every minute counts as what you do today will have a lot to say on what you will have in the future. Take advantage of every opportunity that will come your way. Keep yourself confident.

Recommended Site

- ProBlogger.com

- BlogerTric.com

All About Stock Market

2009-01-09T03:13:00.003-08:00

A stock market simulation game is a great way to practice your investment skills before actually investing any "real" money in the stock market.
Simulation games are usually played on the internet, where people can experience the thrill of investing in the stock market without any risks, costs or any fear of losing money when and if they make a poor investment decision.
Many teachers and professors of banking and finance are now using stock market simulation games to teach their students about the rudiments of investing in stocks. Most stock market simulation games come with a fee to get started, but there are some that are free of any charge. One does not need have prior knowledge about the stock market to join.
This is how stock market simulation games usually work:
First, players must register. After registration, players are given an initial sum of "virtual" money to invest in companies of their choice. Players build a portfolio of stocks by buying and selling shares in companies. Most stock market simulation games use real-time market data.
The objective of most stock market simulation games is simple:
To increase the value of your portfolio of stocks so that it is greater than that of the other game players.

Below are some tips on choosing a stock market simulation game:

Choose a stock market simulation game that is used and recommended by reputable colleges, high schools, middle school, investment clubs, brokers in training, corporate education courses and any other group of individuals studying markets in the U.S. and worldwide.
Choose a stock market simulation game that is comprehensive and easy to implement in any Finance, Economics, or Investments class. A good stock market simulation game should feature trading of stocks, options, futures, mutual funds, bonds from the U.S. and many of the world's major markets.
Choose a stock market simulation game that provides a valuable, reliable, and realistic trading simulation at a reasonable price to members and other individuals who are interested in learning more about investing and trading. The simulation game should also have some capability for testing a variety for investment strategies.
Choose a stock market simulation game that has a toll-free customer service phone number and excellent e-mail support for members. The support function should be able to quickly answer any questions that members/players may have.
Choose a stock market simulation game that is easy to use and easy to teach even to those who have never had any real hands-on investment experience.

The 10 Golden Rules of Trading

2009-01-09T03:13:00.001-08:00

There are some rule to run a good trading business. If you never break the rule you will find your business running smooth and profitable. Consistency is needed here.

The rules we cover are:
• Have specific goals and objectives
• Be consistent and disciplined
• Let profits run
• Cut losses short
• Never add to a losing trade
• Don’t take too much risk
• Only trade positive expectancy systems
• Minimize all trading business costs
• Be well educated
• Don’t trade scared money

The rules will now be discussed.

Have specific goals and objectives
Few things are more important to your trading success than having set (i.e. written) goals and objective for what you are aiming to achieve. It is amazing to me how often we hit our targets, meet our objectives, and reach our goals only when we articulate them and write them down.
For any business to be successful it must have measurable objectives that are actually achievable. In trading (obviously) the primary objective is to make money, but it is important to have other objectives that are not purely cash-related. We must always remember that reward and risk go hand-in-hand in trading and that we cannot expect to achieve high returns without planning for high risk (i.e. draw-downs).
Your objectives and goals will be very specific to you, but they must have the following characteristics to be useful:
• Be measurable (in completion and timeframe)
• Be achievable
• Be worthwhile
• Be positive
As an example, here are some of our current objectives (this is only a partial list):
• Develop 2 new positive-expectancy trading systems each year
• Make fewer errors implementing our trading systems each year
• Achieve a return to maximum draw-down ratio of 1.5:1
• Take 2 weeks vacation each year
Note that only one of them is about making money, and that has a measurable objective that is relative to draw-down, not absolute (i.e. make 100% per year). If you know what you are trying to achieve, and when you are trying to achieve it, the whole business will be focused on meeting
your objectives and help guide you to only pay attention to things you really want to achieve with your limited time and resources. This will also give you a way to measure the success and progress of your trading. Generally traders with well-defined objectives will be much more successful than those that do not have pre-defined goals.
Be consistent and disciplined
In order to realize the full potential of your trading systems it is critical that you take every trading entry, adjust every stop, and close out every trade as and when your system says you should do. This takes extreme confidence in your trading systems, good robust reliable technology, and the mental discipline to stick to your trading plan whatever happens (assuming it is complete).
An underlying assumption about being consistent and disciplined is that you have a pre-defined plan for every situation you may face in your trading, so that you know how you are defining what being consistent is. Your plan needs to include at least the following items:
• All your trading rules for entering, adding to, and exiting positions
• What you will do if your trading computer, internet connection, broker, power, telephone
etc. fails
• What you will do if you are unable to trade
• What you will do if you lose X% of your account
• What you will do if all the markets are closed and you can’t exit your positions
Unless you write the answers down to all these issues, you cannot be consistent and disciplined in your approach to trading and if you lose money you will not know whether it is because you didn’t follow your plan, because your plan is incomplete, because your systems do not work, or simply because you are going through a losing period.
Let profits run
This simple rule is the key to being a successful trader. It is three simple words that are very hard to actually implement. When we get a profitable trade our natural fear of losing the unrealized cash kicks in and we truly want to close it out now and take the money. Most trading consists of long periods of small winners and losers followed by a few huge winners that make the difference between overall profitability and simply breaking even or losing due to trading costs(commissions, spread, and slippage).
It is our ability to let the huge winners become just that - huge - that determines how we will perform overall during the year. The key to letting winners run is to have trailing stops that are outside the daily noise of the market so that they are not tight enough to get stopped out during ‘normal’ trading. This means being prepared to give up a significant portion of a winning trade’s open profit and is the thing that makes this so hard to implement. In fact, we should be adding to a winner and widening stops rather than working out how tight our stops can be to capture maximum profit. The trade has already shown you that it intends to be a winner, and the chances are it is a low-risk idea to add to the position now rather than ‘strangle it’ with stops that are too tight.
It is very important that your position management rules allow for large winning trades, and that the rules are pre-defined and understood before you place the trade. This will allow you (if you have confidence in your method and discipline) to stick to your rules when you do get the big
winner.
Cut losses short
This is the sister rule to the previous one, and is usually just as difficult to implement (although it
is very easy to define). In the same way that profitability comes from a few large winning trades, capital preservation comes from avoiding the few large losers that the market will toss your way each year. Setting a maximum loss point before you enter the trade so you know before-hand approximately how much you are risking on this particular position is relatively straightforward. You simply need to have a exit price that says to you ‘this trade is a loser and I will exit before it gets any bigger’. Due to gaps at the open, or limit moves in futures we can never be 100%
certain that we can get out with our maximum loss, but simply having the rules, and always sticking to it will save us from the nasty trades that just keep on going and going against our position until we have lost more than many winning trades can make back.
If you have a losing position that is at you maximum loss point, just get out. Do not hope that it will turn around. Given that trades are either winners or losers, and this one is shouting ‘Loser’ at you, the chances that it will turn around and become a large winner is tiny. Why risk any more money on this losing trade, when you could simply close it out (accept the loss) and move on. This will leave you in a much better place financially and mentally, than holding the position and hoping it will go back your way. Even if it did do this, the mental energy and negative feelings from holding the losing position are not worth it. Always stick to your rules and exit a position if it hits your stop point.
Never add to a losing trade
One of the few trade management rules that we can state we never break is ‘Never add to a losing trade’. Trades are split into winners and losers, and if a trade is a loser, the chances of it turning right around and becoming a winner are too small to risk more money on. If indeed it is a winner disguised as a loser, why not wait until it shows it’s true colors (and becomes a winner)before you add to it.
If you do this you will notice that nearly always the trade ends up hitting your stop loss and does not look back. Sometimes the trade turns around before it hits your stop and becomes a winner and you can count yourself very fortunate. Sometimes the trade hits your stop loss and then
turns around and becomes a winner and you can count yourself unlucky. Whatever the result, it is never worth adding to a loser, hoping that it will become a winner. The odds of success are just too low to risk more capital in addition to the initial risk.
Don’t take too much risk
One of the most devastating mistakes any trader can make is risking too much of their capital on a single trade. One thing is certain in trading and that is if you lose all your capital you are out of the game. Why risk so much you could be prevented from continuing? There is a saying in
poker than going all-in (risking all your chips) works every time but once. This is true of trading.
If you risk all your account on every trade it only takes one loser to wipe you out (and no trading method is 100% accurate), so you will be out of the game at some point – it is only a question of time.
In general, we only risk 1-3% of the available capital allocated to a system on any individual trade. This is calculated using the size and, the difference between our entry price and our maximum stop price, and the amount of capital allocated to the system. With the win probability
and ratio of size of winning trades to losing trades we are almost certain never to lose all of our trading capital. In fact, the chance of us hitting our maximum drawdown for the year is tiny.
All trades should be of a size that almost seems insignificant. If you are worried about the size of a trade then it is too big and you should reduce the size immediately. Remember that longevity is the key to making money by trading – slowly over a long time with minimal risk, is always preferable to rapidly with too much risk.
Only trade positive expectancy systems
If you have a positive expectancy trading system, the only factors that determine how much money you will make per year are the number of trades the system generates, how much capital you allocate to the system, and how accurately you implement the trading signals. If you do not know whether your trading system is positive expectancy then why are you trading it? Expectancy is calculated using the profit or loss on each trade (net of trading implementation
costs) divided by the initial risk (using your stop loss) and then taking the average of this number of a series of trades. Systems that have positive expectancy will make money on average and those with negative expectancy will lose money.
Successful traders only trade systems where the odds of success are in their favor (i.e. the system is positive expectancy) so they know that making money is the result of accurately implementing the system and not just pure luck.
Minimize all trading business costs
Some trading systems have only marginal profitability, and trading implementation costs (commission, spread, and slippage) can be the difference between profitability and making a loss. With the easy availability of modern electronic brokers, and fully-automated trade processing and
execution, it is definitely worthwhile looking for a very low cost way to implement your trading system. High commission, wide spreads, and large amount of slippage can be reduced considerably simply by carefully choosing a broker. This can be the difference between a system
(especially a high frequency one) being useable or not. Paying too much for trade implementation is an avoidable way to lose money.
Be educated
In order to compete at the highest level in the trading business and be one of the few truly successful participants you must be well-educated about what you are doing. This does not mean having a degree from a well-respected university – the market doesn’t care where you were educated.
Being well-educated means that you have thoroughly researched and tested your trading ideas and know why your trading system worked in the past and is continuing to work now. It means understanding all the technology and applications that your system needs to perform accurately.
It means understanding your goal and objectives and how trading will achieve these. It means understanding yourself and how your personality affects your results. It means understanding the markets and instruments you trade.
In order to succeed you really need to become an expert in your own trading business to understand how it all fits together, when it is broken, and how it can be improved. As with all worthwhile endeavors, this takes commitment, hard work, dedication, and more hard work.
Don’t trade scared money
Lastly, no one ever made any money trading when they had to do it to pay the mortgage at the end of the month. Having a requirement to make X dollars per month or you will be financially in trouble is the best way I know to completely mess up all trading discipline, rules, objectives, and
leads quickly to disaster.
Trading is about taking a reasonable risk in order to achieve a good reward. The markets and how and when they give up their profits is not under your control. Do not trade if you need the money to pay bills. Do not trade if your business and personal expenses are not covered by
another income stream or cash reserve. This will only lead to additional unmanageable stress and be very detrimental to your trading performance.

Buying a Franchise

2009-01-09T03:10:00.001-08:00

This guide will help you evaluate whether buying a franchise is right for you. It will help you understand your obligations as a franchise owner. Many people dream of owning and running their own business but are often let down by the reality of doing so.
By purchasing a franchise, you often can sell goods and services that have instant name recognition and can obtain training and ongoing support to help you succeed. But be cautious. Like any investment, purchasing a franchise is not a guarantee of success.
A franchise typically enables you, the investor or "franchisee," to operate a business. By paying a franchise fee, which may cost several thousand pounds, you are given a format or system developed by the company ("franchisor"), the right to use the franchisor's name for a limited time, and assistance.
While buying a franchise may reduce your investment risk by enabling you to associate with an established company, it can be costly. You also may be required to relinquish significant control over your business, while taking on contractual obligations with the franchisor.
Outlined below are some of the main points you need to consider before buying a franchise:

Franchise fee: Your initial franchise fee, which may be non-refundable, may cost several thousand to several hundred thousand pounds.
Royalty payments: You may have to pay the franchisor royalties based on a percentage of your weekly or monthly gross income. You often must pay royalties even if your outlet has not earned significant income during that time. In addition, royalties usually are paid for the right to use the franchisor's name.
Advertising fees: You may have to pay into an advertising fund. Some portion of the advertising fees may go for national advertising or to attract new franchise owners, but not necessarily to target your particular outlet.
Controls: To ensure uniformity, franchisors typically control how franchisees conduct business. These controls may significantly restrict your ability to exercise your own business judgment.
Terminations and Renewal: You can lose the right to your franchise if you breach the franchise contract. In addition, the franchise contract is for a limited time; there is no guarantee that you will be able to renew it. A franchisor can end your franchise agreement if, for example, you fail to pay royalties or abide by performance standards and sales restrictions. If your franchise is terminated, you may lose your investment. Franchise agreements typically run for 15 to 20 years. After that time, the franchisor may decline to renew your contract.

Before investing in a particular franchise system, carefully consider how much money you have to invest, your abilities, and your goals.

Understanding Virtual Currencies

2008-12-26T04:05:00.001-08:00

While going through the entire website you may have noticed the words virtual currency,egold etc.What are these?
Now lets have a brief discussion.Online trancastions require that you transact in some currency so that amount can be specified.But different countries have different currencies & their value against other countriy's currency is not always same.For example 1 euro is not equivalent to 1 dollar.So while doing transcantions a conversion has to take place for the trade to be viable.Usually conversion rates are ever changing and in most of the cases a currency conversion rate is applicable.This makes trans-country and online trade money transcations very congested.To allay this problem,a kind of virtual currency which supposedly has a fixed value all around the globe was formulated.This virtual currency was just like real money which could be traded online and all around the world.
Some examples of virtual currencies are like Egold,Ebullion,netpay,evocash,etc.Of these the most famous and oldest was Egold established in 1996. E-gold is based on a system that uses the weight of the gold metal, not any one currency. These weights have a precise, internationally recognized definition as to their value thus standardising its international value.Using gold as a means of trade/investment works well because everyone values gold,regardless of what type of money its worth is being purchased with.Egold transactions are made in terms of weight of actual gold.You can buy a fixed amount ofegold with your local currency and then make your payment to anybody in any country.Let me explain this properly.So after you buy some fixed amount(weight) of egold(actual gold from Egold Ltd.) it gets credited in your egold online account.Now if you want to make a payment to some person say a german then you just need to give him a part of the amount(weight) of egold equivalent to the german currency amount.Thus trans-border transactions occur without any headache of any conversions,etc.This is the real liquidity of the system.I will give you an example for better understanding-
Suppose you are an Indian & you have to give a payment of 10$ to somebody.This means that first you must first buy some weight of egold from egold.com(in your local currency).You cannot buy directly from Egold Ltd but get it with the help of third party exchange services.In order to make the payment,you send a fixed weight of egold equivalent to 10$.Thus you virtually don't have to worry about any real currency conversion.
Now considering the opposite situation,if you get an egold payment from anybody say 10$ then how to get that money in Indian currency?Actaully Egold Ltd is a West Indies company which has got actual physical gold stores.So you can get your 10$ in two ways-
(1)Go directly to the Egold Ltd company and take away a fixed amount of physical gold equivalent to 10$
(2)Take the help of third party exchange services and exchange the egold possesion you have in exchange for real money(by far this is the default method that everybody uses with egold!)
Its that very simple!Read our next article to learn how to use egold.

Where to Find A HYIP

2008-12-26T04:03:00.001-08:00

There are many resources where you can get information about HYIPs.But before I start enumerating them,a word of caution-You may find several HYIP advertisements in your email inbox.Please don't give much importance to them as they are mostly scams(just think over why would any good and reliable HYIP engage in email scamming!)
Now coming back to our topic. The major HYIP sources are HYIP monitor websites, discussion forums,news sites,advertisements in any other websites,etc.HYIP monitors are websites that list a large number of HYIPs with their current status as paying/not paying.These monitor websites are owned by experienced HYIP investors who put their techniques of assessment to determine whether a HYIP is paying or not.I will give you a list of some 19 such websites arranged according to their alexa traffic ranking below:

www.goldpoll.com,www.hyipranks.com, www.hyipinvestment.com, www.hyip-recommendation.com, www.goldrater.com, www.aurumgames.com, www.gold-hosting.com, www.hyip-navigator.com, www.gohyip.com, www.myhyip.com, www.hyipfarm.com, 365money.com, www.allhyip.info, www.worldhyip.com, www.hyip-help.com, www.hyips-analysis.com , www.hyip-assistant.com, www.hyipranking.com, www.hyipexplorer.com, www.thehyips.info

Forums are another source of HYIP information .You will find several experienced and newbie investors hanging around HYIP status discussions in many forums.You can come to know about the personal experiences of other investors who have invested in any HYIP programme.Many investors also post scam reports on any HYIP they had invested in.This information is of great help to you and you must prevent investing in such warned HYIPs.Some good forums are like talkgold.com,HYIPdiscussion.com You will find many active forums in almost all the HYIP monitor sites also.

HYIP news sites are also a good source of HYIP information.Thes sites collect latest HYIP information and give you a daily updated HYIP related news and issues.Scam news can also be found out in these sites.Some examples of HYIP news sites are like HYIPnews.com,HYIPmailer.com,etc.HYIP news is also a regular feature in many of the HYIP monitor sites.

Another large source of HYIP info are advertisements.You will find such ads almost everywhere on the web & in emails as scam messages.But ads can be very deceptive also.So you must make a detailed research on such advertised HYIPs before investing.

The best HYIP

2008-12-13T03:39:00.001-08:00

What HYIP is the best? Now? At the moment you are reading this article? How can you define the best program in order not to be mistaken? Where to invest now? Indeed, this question is always relevant, and do not expect that we will answer it as you wish, giving you exact names. We will give you a better answer. We will give you a universal answer, which, we are sure, will work for you during a long period of time.

ALL HYIP ARE BAD. Do you know an immortal HYIP? It means that there is no such a HYIP, which will be working forever. There were no any HYIP working since some moment up to now. Their life period is not more than a year, and this is their distinguishing feature. Some of them indicate a longer period, some of them really work a little longer.

But ALL OF THEM disappear sooner or later, as if they have never existed. Then they are forgotten. New leaders, new favorites appear and then voila – investors assuredly cry after jut another program that it is THE BEST.

Of course, only the authors of such posts know how much good it is. However, they won’t say you that this program will be working longer than others. Accordingly, THE BEST HYIP is not the one to live forever. Thus, time element is not so important. So, we may conclude that this is not the feature investors expect, once they call those that won’t live forever the best. And all of us understand that this won’t happen. So what is the matter?

The matter is the one to bring more money. Right here and right now. With the least risk. As the result, a formula of an ideal program looks like MINIMAL RISK + MAXIMAL PROFIT. Maximal profit will allow receiving your money back and get a profit, and minimal risk will allow doing it without failure.

Besides, even if you are not experienced in math, you should understand that one may pay 150% daily, and another one may pay 1% during 150 days. Difference is not always in favor of the latter program, although it may be referred to a minimal risk. Alas, profit is not maximal here. While with the first crazy program we’d receive a lot more, but RISK is higher in this case.

Let’s abandon an assumption that each of these programs may disappear at any moment. In ANY case it may disappear. It’s really so. But what one can do with it? Only get used to it. Or leave the market. It’s too dangerous here.

But under such circumstances one may try to avoid such evident risks, if he will be able to define the most profitable program that won’t run the other day, basing on his experience and a special scheme of getting information.

Unfortunately, the number of PROFITABLE programs is less that the number of RISKY programs. However, you may try to earn with risky programs, and probably you will understand that this is exactly what you need.

Choosing the most profitable programs, investors are right in 6 cases of 10. As you see, if one invests the same sum everywhere, he will get a profit. And one should invest so, if he is not sure which program is more profitable and which one is more risky. Here one should invest less money in a more risky program, and more money in a less profitable one.

The best program is only yours, because all information described above makes evident that there are too many subjective factors deciding the matter. You choose something, and then you receive something you haven’t expected. So you are the very person responsible for all events, so you should be sober and reasonable while choosing the best program. Otherwise you may lose.

Brett Sherpan

Beware: HYIP monitoring services.

2008-12-12T02:39:00.003-08:00

It is not a secret and it is often repeated here and there that there is no unique and universal strategy to provide any investor with a patient and assured work without any loss and with a constant increasing profit. Strategies very as investors vary, and every person with the least experience of investing in HYIP will agree that there should be a single individual strategy for every single investor, and all successful examples should be adopted individually.

A universal advice doesn`t exist. But there is a common ground for all strategies and methods to be based on, there are some common points that are regarded by all investors as cornerstones for building up a successful strategy. One of those cornerstones will be discussed in the current article. As you have probably guessed, we will discuss monitoring services.

Everybody understands that successful investing in HYIP consists of a few elements, and choosing the right project in appropriate moment is one of those elements, and undoubtedly a pledge of a future success. The next important element is watching the work of the program you have chosen to be ready to change your strategy, increase your deposit or even take your money off. Monitoring services are of a much use for both stages described above.

But it is evident that there are no absolutely reliable source of information. It may sound strange and absurd, but monitoring services may often mislead you, and they often may be no less dangerous as forums, that meet you with false posts of cheerleaders, paid for attracting new victims.

There are monitoring sites that lie on purpose and there are monitoring sites that lie because the quality of their work is poor. Which of them are more harmful and more guilty? It seems to me, there is no difference, because the result is the same – people obtain misleading advice, bringing them to losses and disappointment.

Sometimes you don’t need an special knowledge or experience to tell those who lie from those who give you a proper perspective. You just need to visit the site of the program that has already closed or the one that is reported as scam. Many of those programs have a dozen or even more monitoring banners on their site.

Why do I give you such advice? Because just a glance at this page will tell you much about monitoring services that these banners belong to. It has occurred and it still occurs that rating banners of this or that monitoring give a Paying status to a program closed a week ago! And you may see and compare results on your own!

What does it mean? It means something that it is important for you to take into consideration each time you want to check out program’s status. The information given to you may be irrelevant. That is why it is necessary to check out as many monitoring services as possible, and, of course, check out forums to prove or to disprove information that you have already found.

Why does it happen that monitoring services gives users incorrect information? Why during all summer this year forums were full of accusations addressed to monitoring services, and these negative comments were no less numerous than accusations addressed to scam and non-paying programs?

Because many investors suspected or made sure of dishonesty of definite monitoring services, blaming them for supporting evident scams. Of course, unless monitoring sites are run by people, and unless people may be bribed, the chances of it exist. And these were not mere words, such accusations were supported by evidences!

And these were not only investors accusing monitoring of telling lie to people. A lot of administrators were discontent with their work, stating that monitoring services often give irrelevant information thus spoiling the reputation of a good program, and thus spreading panics among investors.

All of us know what it may mean. Just a small untested information or rumor may be enough to make investors panic, think out all possible red flags and scam signs and accuse the program of all possible and impossible sins. Such situation may be extremely harmful even for the most successful and a stable program.

There were a few examples when administrators rejected from adding their program to any catalogue on monitoring sites and explained it as a measure necessary to protect the program from harmful monitoring practice, which can affect successful program`s activity. We may understand such point of view, but this is not a proper way out of the situation. Everybody should avoid extremes in this sphere.

It is evident that monitoring services are necessary for normal functioning of any program, otherwise users won’t trust it. As well as monitoring services will stop existing without programs. So, these two integral parts of HYIP sphere should coexist in harmony to reach the key purpose of this activity – to make money and let people earn, and of course, investors should be the main point of orientation of this alliance.

Brett Sherpan

How to trade on the Forex market? Vol.2

2008-12-12T02:39:00.001-08:00

In the first volume we discussed personal qualities of the Forex trader and his first steps in the trade on the Forex market. In the second volume of the article “How to trade on the Forex market?” we make technical analysis and graphs of Forex trading.

It is very advisable to study the 8-hour or 4-hour graphs of bars and to look for patterns and the 20-period average on the graphs daily within several months. In this way you will understand what the accumulation and the distribution for the short-term transactions on the Forex market meant in the volume 1 of this article. These processes are suited for the market so you can always decide what tactics must be used in this time period. The rest is the matter of capital control, discipline, and certainly experience.

Speaking about the technical side of trading, the first necessary action is to determine the trend in the given time scale and to select a commercial strategy for this trend. Some traders hold positions within many months while the others do this less than one hour or one day. The daily fluctuations can be only harmless for the trader who holds a position within a few months, while the same daily fluctuation can become a monstrous event for day traders.

According to many experienced Forex traders, it is better to keep the technical analysis of any pair of currencies as simple as possible to see how it is possible to use a situation in their interests. The strategy is to determine “the range of a transaction”. The intermediate-term turns can be proved by only the monthly, weekly and day graphs. Reading a graph cannot predict the apex or the bottom of a motion but it can confirm a trend change to undertake a right strategy for this new trend.

It is not bad to use very primitive graphic methods. You can look at the eight-hour graphs EUR/GBP between 20 and 40 MA and turn your attention to the round numbers and breakthroughs (then you understand that there is no more primitive method than this one but also very effective).

You should look at the weekly EUR/USD and USD/JPY with 10 RSI and the monthly AUD/USD with 10 RSI, observing “the patterns” but not the levels. In such way you learn the primitive work of things. The RSI is useful “only within the weekly and monthly time scale”. You can ignore the RSI within the short-term scales, as the RSI inventor RSI Wilder said us a long time ago.

If you deal inside the day the 30-minute and 15-minute graphs of spark plugs in the combination with MACD and MA can be more usefully than the hour-long or even daily graphs. Do not pass especially the long parts of spark plugs as the confirmation of the change of a short-term trend.

It is important to use races and gold. EUR/GBP and GBP/JPY have a property of the leading indicators of the USD/JPY and EUR/USD motion. EUR/CHF is like EUR/GBP in the value forecast.

Speaking briefly, EUR/GBP and GBP/CHF are the anticipating indicators for EUR/USD and USD/CHF. Furthermore, GBP/JPY, EUR/JPY and CHF/JPY are anticipating indicators for USD/JPY. EUR/JPY is very important to EUR/USD while GBP/JPY plays the same role for GBP/USD.

For example, the yesterday's weakness EUR/USD began from the sales of EUR/JPY that sent EUR/USD and USD/JPY downward. According to the rule of “the thumb”, if EUR/USD does not move and EUR/GBP begins to move this is a good indicator that someone will bring EUR/USD in the same direction more lately. And when EUR/USD moves and EUR/GBP does not move, it is very probable that the EUR/USD motion will be brief soon. USD/JPY makes the same motions in the relation with EUR/JPY and GBP/JPY.

Gold is the mirror of the dollar for hedging purposes, and their correlation is excellent. Sometimes when there is too much information for checking, which change every hour, it is enough only to control gold. The graph of gold is one of the main schedules which you must always observe by the trade on the Forex.

The graph EUR/GBP and the graph EUR/JPY are also an excellent mirror for the direction of EUR/USD for the large part of time. The graphs of gold, EUR/GBP and EUR/JPY make the history of market with the fact that gold and EUR/GBP conduct the rest part of the Forex most frequently.

There are some pieces of advice of the USD/JPY trade. One of the most foolish rules of “the thumb” in the trade of USD/JPY is that it rarely walks to 700-800 pips by contract without the correction to 200 or more pips in the middle of a motion. Moreover, the trade of USD/JPY almost always rolls to 350 points back from its start moving of 700-800 pips. All this is because of the problem of liquidity on the Yen market.

The position traders hold the yen positions till several hundred pips. The more adroit approach is required for the intra-day transactions. As the position trader of yen, never buy below falling day 20 MA and never sell above growing day 20 MA regardless of the fact how attractive the situation is. Begin to buy only when the day’s 20 MA begins to rise from any level because this is not only safe but also checked method to make money, although it appears so simply.

What reaction to the news should the Forex trader have? The market always read the news or the data to the side of the predominant mood of market. Data can show the state of market well. If the data are poor and the price rises or does not react, the bull market must be if the strategy of purchase on the bottom will be the best choice.

On the contrary, if the data are good but the price does not grow or even falls this is the descending trend if the sale on the rebound will be the best strategy. It will be the significant point whether poor or good news does not influence the price as before. Changes of the mood of market are usually accompanied by this reaction on the news.

Nicole Berger

How to trade on the Forex market? Vol.1

2008-12-12T02:38:00.001-08:00

Trading is the game of mind. In this article we examine the conditions of successful trade on the Forex market. Undoubtedly, trade on any market is not possible without a good skilful trader. That’s why the main point of this volume of the article “How to trade on the Forex market?” will be about the trader as the most important component of the Forex trade.

First you should change your consciousness from thinking of a normal person to thinking of a trader. Almost all traders, besides several successful who actually made million and billion dealing on the market, simply spend their time for nothing attempting to study the simplest like reading data and graphs, improving entrances and mastering outputs etc.

Trading is the game of mind and without the appropriate structure of consciousness it is a losing game (even before its beginning). The preparation of trading consciousness is the first step for a successful trader but almost all new traders disregard it that explains why more than 95% traders fail finally.

The acquisition of the knowledge of market is not difficult for a person with the average intellect. But the level of intellect and knowledge do not determine the result of the trader’s market activity. The process of decision making plays the most important role. Making decision is very difficult for the majority of traders but it is the main reason of success or failure of any trader.

The trader is ready to make decisions after spending time for studies to realize his knowledge and develop the system. However, this all is easy to say but it is difficult to put into practice when traders deal with the real money on the market.

If profit grows to several hundred dollars and the system tells you to continue, there is no guarantee whatever that the profit will not become loss in a few days. Only the discipline helps the trader to overcome the sickliness of correct solutions in the necessary time on which the result of transaction depends. Therefore I call trading the game of mind.

It is always advisable to average the intermediate-term position when traders are convinced of the appearance of a new trend. Thus, after beginning the position of USD/JPY with 135 traders added to 132 and 129. The same thing is for AUD/USD and EUR/USD. Of course, this process costs much money and hurts too. Many traders cannot transfer pain and leave too early.

But there is no other method to make much money and we must suffer pain till the intermediate-term trend remains intact. That’s why it is important to remember that the psychological aspects of trade are important for successful trade.

Any market (immovable property or Forex) is the method of the money transfer from the crowd to several luckiest persons. A lot of money is made by the speculations with the people’s real property but this money is visible only on the paper because the profit disappears before transferring the paper profit into the solid available amount. In most cases of speculations on the Forex the human mass hardly survive several years because insufficient knowledge of market is lacking.

Each trader must find his method and system which approach only to him. Therefore, if intermediate-term trader Tom makes money already three decades with his method his system can not be right for day traders Dick and Harry and vice versa. Successful trading is the skill to obtain as much as possible when you are right. This is the main point of this business. Therefore, any theory or system which satisfies this rule is good.

The majority of traders do not realize control of capital in a right way therefore there are so few conquerors finally. Only control of capital and discipline make the trader but not the elementary methods of entrance and output. Trade on the Forex is the game of feelings with the mentality of crowd where even the best players with the best forecasts loose good positions by the motion of price.

The Forex market works in a very simple way. For a while it will be saved in a certain area and as soon as the accumulation is completed the Forex moves to a certain distance. Then the phase of accumulation again begins and moves to a certain distance, and again, and again.

Day trading cannot give best results when the accumulation and the distribution fight neutralizing each other by zigzag steps. At the same time when the market begins to leave the area of the accumulation day trading is the reliable method to interrupt profit.

Generally, the trade inside the day is not the best form of obtaining profit though some authors attempt to prove this statement without having made real money in this game. The safest and best way to make money is to wait the end “of accumulation” and to take a total length “of the distribution” in the form of a short term (within 2-10 days) transaction.

In the conclusion of this volume we show the most important sayings of the Forex trading which can set the traders on the right track of this business:

On the Forex it is necessary to think how to achieve the immediate object correctly and not to think about the distant future. The immediate object can be 2 pips or 20 pips, or 200 pips, or 500 pips depending on the style of the trader.

On the Forex everything is possible. The information of a good quality is all in this game. Catching of the bottom of USD/JPY is the basis of all risky transactions.We always learn to deal and daily we learn by each other. This is the beauty of trade and life generally.The Forex players can work secretly but they cannot hide their motions on the graphs.

A good sleep is important to successful trade but the majority of traders sleep only with one opened eye.

Nicole Berger

Compounding vs. Non-compounding.

2008-12-12T02:37:00.001-08:00

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Nicole Berger

The Analysis and Choice of HYIP Programs

2008-12-12T02:28:00.001-08:00

While 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.

Steve Sweeny

Priority investment guidelines on the HYIP market.

2008-12-12T02:27:00.001-08:00

We hope this material will be in use for those, who hasn`t chosen the right guideline that would help along the capital growth and development.

First of all, we`d like to dwell upon the spectrum of guidelines, offered by HYIP market. Before clarifying, what program it is better to invest, every person, surely, studies methods of the work of the program and, correspondingly, principle of using the investments.

Today, in overwhelming majority, you will have the following list of methods to get the income: gold, currency (FOREX), betting, stock, oil market and a small sector of other investments, which are not so popular.

Among all possible, gold and FOREX are, certainly, the most priority, though other ones can also be interesting with a competent approach. OK. Let`s do it step by step. What is the best among all mentioned and where does the income come from - we tried to investigate the problem. So, starting with the most popular guideline - gold investment.

What do the HYIP programs, working with gold, imply? These are the programs, using investment funds, buying and selling gold bars. I.e. your money are used to buy and sell gold. The thing is that the situation in the world, hence on the markets, will never be stable. There is a war in one region, crop failure - in another. Continuous defects destabilize, reflecting on currencies rates and gold prices.

Besides, that`s important, buying and selling gold itelf, influences the price as well! In such a way, big speculative companies can influence the market prices aloud, buying up and selling substantial volumes from currency reserves!

However, It`s equal, you can both earn money or go bankrupt, and experience and trader`s good work (the one you entrust with your funds) only, can be a guarantee, that your funds are used properly. It`s also worth mentioning that gambling on this market is practically impossible without significant funds that appear with the help of HYIP.

The second guideline and practically the same as the first one, according to funds` turnover is using funds on FOREX, currency market. The terms are the same to gold market and the ``disturbance`` reasons are also the same. Here is the only difference: investing to a project, selling and buying on FOREX market, you invest to money purchase, not to gold (or any other valuable metals).

Another peculiarity of the market is that it`s more flexible and universal than the gold (or any other valuable metals) one. The thing is that the currencies prices are more or less stable in here.

So, if the US dollar is falling in price, another currency is rising in price, in such a way you can be successful for a long time, transferring the funds from one currency to another, hence keeping the growth dynamics. Still, the keenness of wit and fast decisions taking is needed here.

Choosing between those two parallels, we wouldn`t like to differentiate. The principle, volume and opportunities of both markets are huge. As you like. Accordingly, realizing the sense of their work, every investor can answer such an important question: how do they get so high percents?

The thing is that buying and reselling gold or currency, you can benefit, which achieves multiple (!) increasing of the amount deposited. It`s real, both for offline and online HYIP. Now let`s talk about some less popular, still interesting investment guidelines.

So, part of programs use betting funds, stock etc. We`ll say straight away - each of these guidelines is rather vexed. For instance, sporting betting (stakes), popular nowadays, is the most risky and quite similar to HYIP games, it`s better to gamble alone (though, if you know nothing about it, you can go bankrupt, then you should better entrust a professional with your funds or think of any other ways of investment).

Working with stocks or any other high-priced valuables (oil market, for example) means long term cooperation and depositing sufficient amounts. you should always be a professional, however it`s not so risky as in all the other cases. It`s because the activity on these markets is comparatively small, the changes don`t happen so sharply and suddenly.

Important feature for the programs, you are planning to invest into, is mostly, how fast you will receive your profit. Three variants are possible: daily payouts, weekly payouts and monthly payouts. Besides there are multiple ways of withdrawing your funds before the end of a program (in some program you are not able to withdraw funds till a certain date).

We discussed this question in one of the previous issues, now we can say that longer projects (the payouts take place not so frequently) are much more profitable and serious. Admins of these programs work with large amounts and investments are in work for a long period of time, that`s why the minimal investment amount is usually too high (up to 1000$). It`s hard to name well-defined priority in this sphere. Our advice is - combining.

Eric Marriam

w-mtfund

2008-12-11T04:49:00.001-08:00

W-MT Fund is your ultimate low-risk investment opportunity: the key to your financial success. «Extreme diversification», «variability» and «client's comfort»: those special features definitely realize the right balance between high yield and stability. Are you ready?
Extreme diversification. Our multi-trade strategy is based on the "extreme business diversification", especially in those cutting-edge business fields, alternative to stock market, which ensure high yields basically independent of global economy trends.
Variability. Our professionals trade on a weekly basis (Monday to Friday) and, week after week, conform the interest rate to the trade results, reserving a profit percentage to a special reserve fund. Therefore, W-MT Fund offers plans based on weekly variable interest rates and backed by a reserve fund which warrantees the payment of a minimal weekly interest. Also, we manage a variable referral commission, so that we can promptly react to the conditions of the demand, which is extremely changeable in the online market. Variability means adaptability, adaptability means low risk and stability.
Client's comfort. We put our experience at your service. You don't have to be a finance expert: just choose the plan that meets your needs, invest and contact us for any question.

Advantages and disadvantages of daily-paying programs

2008-12-11T04:29:00.001-08:00

Currently, the HYIP sphere provides investors with a diversity of opportunities to earn money (as well as to collapse). And the difference is not just about the nature of using the investor`s funds (or, let`s say, ordinary scam), but also in the specific character of a program (terms, %, minimal deposit).

Today we`ll speak of the programs, having daily payouts of the funds as one of the main terms. So called daily-paying programs.

So You decided to participate in a daily-paying HYIP. What can catch You on the way? As a matter of fact, daily-paying programs don`t differ a lot from those paying the profit every month or week. Both the principle and the risk are the same.

The main difference, felt, when using two programs, lays in the rate difference, hence these rates` payout (or reinvesting) terms.
We`ll dwell on this in a more detailed way. Daily-paying programs, You can get to know about, in our list, are the programs, based on percents` paying within 24 hours. I.e. every day You receive a definite percent from the amount invested.

You can have it both transferred to Your account or keep growing. The minimal investment amount in that sort of programs doesn`t differ from the amount in monthly- or weekly-paying programs.

Though, in daily-paying programs more often it`s less, than, say, in a monthly-paying ones, where the minimal can be of about 500$. For example, Stocking Trading System, deposit program accepts investments from 10 to 10 000 USD (by the way, those program has rather profitable referral system).

The first thing, catching one`s eye - is the rate. The rate difference between monthly-, weekly- and daily-paying programs is marked by the following tendency: the more often payouts take place, the less the rate is.

On the one hand, the rate difference varies greatly in different occasions. So, if we take the weekly-paying programs with the payout percent - 10%, and compare them with the daily-paying ones with the payout percent - 2%, the numbers speak well of the last ones.

On the other hand, however, comparing two tariff plans of one program, we`ll see that in the upshot daily payouts turn out to be less profitable than monthly ones, for example.

So, Income Generator pays 0.5 and 25% daily and monthly and is profitable, correspondingly, in the first case (depositing 100$) 15$, in the latter case - 25$. But at the same time, Brokers Union program announces the rate, starting from one whole up to two in view of the 10 000$ initial deposit.

Here, depositors should take into account that they can figure on opportunity to leave the payouts on their accounts. In such a way the income can be increased. In some programs, the special plan is provided, where, from the very beginning You decline to withdraw the profit percents during a definite month.

Concerning the risk. On the one hand, risk is present, as in any business, in any HYIP program, e.g. STS Club (Stock Trading System) gamble on gold market. It can`t be said that daily-paying programs are more dangerous.

It`s just that Your daily payouts can prove to be under the threat of some market changes, possibly ``win back`` during a long-term period. But, at the same time, the losses from such programs turn out to be much less tangible.

The most attractive side of these programs is, of course, constant control for one`s funds and payouts, transferred to Your account. Here You can figure on constant notification of the money flow and, as a result, more efficient work and contact with the customers.

So, Income Line program has active enough forum, moreover the distinguishing feature of this program is its full automatism. The admins of this kind ?§? programs will hardly go underground. It`s vitally necessary for them to communicate with customers constantly.

However, as it was mentioned earlier, the percents in these programs will be less, than those of more long-term opportunities. It`s also worth mentioning that in the sphere of daily-paying programs the SCAM can be met less than in the other ones (though also possible).

Everything is about the funds` volume, simultaneously being deposited by investors to a program`s account. Frequently, it doesn`t reach the amount, having appeal to be withdrawn, however, this amount allows to operate on the market, hence, to payout the percents stably.

By the way, speaking about automatics. Now, more and more fully automated programs are appearing (HyipMonster, Horpax Corp, Income Line, STSClub, Intelligent Invest and so on.), it testifies to a certain tendency in this direction.

Maybe we are on the verge of fully automated HYIPS? Than an actual question of using the funds remains open??¦it can`t be managed without a human.

It`s also should be taken note of the necessary deposit term. In some programs (8?•20, Asia Trading Company, InsideFX) the deposit term is well defined and can reach one year (in the last one). Though, small term (a month or 20 days) - is not an exception as well.

You cannot take Your money from these programs whenever You want, even in spite of daily payouts.

Summarizing, we can advise investors to orient themselves, in accordance with the terms of each separate program. I.e. to choose definite complex, most closely corresponding to investor`s wishes. Fortunately, any variants can be found today.

Though??¦ it`s important to understand that programs are well balanced in many respects and, gaining in one aspect, we loose in something another. I.e., winning on percents, loose on the terms; going public, add some risk.

Today we mentioned some basic characteristics of daily-paying programs, however, we should say that there are exceptions to the rules, discussing which would take up a separate article. It often happens that such kind of exception is just a SCAM, so we advise You to be as much careful as it is possible.

Brett Sherpan

Programs with the long age. How to define?

2008-12-11T04:28:00.001-08:00

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!

Eric Marriam

Probability theory in HYIP

2008-12-11T01:44:00.001-08:00

Many investors ask me: “How can you figure on victory, fighting against scam, if it’s the CASE prerogative?” :)

- What fighting are we talking about,

- I reply, - if you don’t invest? This is one. Speaking about chance, here it’s enough to have clever and well thought-out strategy, where chance, luck will not be taken into consideration.

We can rely upon MATHEMATICS, upon the probability theory, proven in the previous century! :)
Indeed – mathematics is a great humans’ achievement, allowing him defining clearly the laws, rules, breaking down the whole into parts. Well, possibly these are the main achievements of this science, achievements we use in our everyday life. And all the number, surrounding us – is just a consequence of the data from philosophic fundamental principles.

So, what is the connection of probability theory with our talk? The connection is that very often, forgetting about these principles, investors lose a lot. Would you like to know why you could lose, without taking the probability theory into account? Keep up listening.

Of course nobody will tell you that it’s a “cure-all”, though on the basis of these knowledge you can achieve many things. This is the unique key to form strategies, to work out tactics and… earn money. :)

So, let’s stop that milk and water and proceed to the world of mathematics. I’m not going to burden you with formulas and calculations; it’s too difficult for the untrained listener, though literary basis will let you doing it independently.

So, what is the probability theory? The probability theory – is a mathematical science that studies mass random phenomena patterns. It’s called “the event”. The random event (or simply event) is a phenomenon, which may or may not happen subject to realization of a certain aggregate of the conditions.

The probability theory deals with the events that happen everywhere. It means that this combination of conditions can be repeated limitless number of times. Every realization of the combination given is called test (experience).

Remember this word “experience”. As for me experience is the key point in investing. :) For instance if the test is investing to HYIP, then getting onto scam is – event. If the test is rolling the dice with the figures (points) on its sides from 1 to 6, then getting 5 is the event.

Well, we are investors and what can we draw out of here? We can draw out a couple of unwritten rules one should stick to. According to the probability theory, we have the following situation. If you flip a coin 1000 times, then, according to the probability theory total amount of the heads flipped is going to be 500 times.

If you flip 2000 times, then – 1000. On average. We don’t give you the exact results of the exact tests, though they are like that approximately. And probability is always somewhere on the mark of 0.5! However, the more tests you have, the less is the probability.

Here is the probability theory. I.e. if we invest money to all program in a row, sooner or later we will achieve success, cause sooner or later the number of “hits” to really working programs will be much more than investing to those, which are trying to scam you.

Let’s think, what results from this? It results from this that you simply need to have more tests. If you invest to program regularly, you will receive profit regularly as well in the result of… the probability theory.

The most important here is that every investor should create tests regularly and constantly. No matter how paradoxically it may seem, but constant investing and regularity, as well as the mass character are the guarantee for success.

Sometimes newbie investors invest from time to time, when they like, or when the situation in their wallets is Ok for investing. But primordially it’s a losing strategy. If you shoot occasionally you can miss every time, but if you shoot regularly, the probability PRACTIC will work for you!

Isn’t that great? You just try! Think it over before investing, and I’m sure you will succeed!
Now when people ask me how do I think to defeat scam, I simply say, scam can be avoided. You just need to pass it by, and it’s no so hard, if you arm with EXPERIENCE and elementary mathematics.

Brett Sherpan

How to calculate your income.

2008-12-11T01:43:00.001-08:00

Every material of ours is aimed at teaching the newbies and offer professionals to regulate their opportunities, potential and facilities in a way for their mobilization and achieving more valuable, faster result.That??™s actually why the section about investors??™ ???documents??? appeared. That??™s why this particular material appeared to tell you how to make calculations of your income, how to make it better and why actually it is necessary.

Typing the word-combination ???investment calculator??? or ???profit calculator??? in the search engine request field, you will be offered about a hundred of free specialized calculators that can calculate your profit perfectly well. We will pay attention to them, though first some theory should be mentioned.

First of all, the principle of the calculation itself is quite simple. And does not deserve to be described in the whole article. Actually it doesn??™t if speaking about simple summation. And it wouldn??™t worth if investors didn??™t do mistakes using this simple function.

As you understand it is fraught with disappointment, and even plans frustration. That??™s why every time when you calculate your future benefit, you should be first of all 100% right concerning the calculations.

So, the basics. The calculation formula is very simple. Your deposit * (1 + profit rate)term = your total income (with or without the principal investment (if you wish to get pure profit, hence you need just to minus the variable Your deposit from the amount resulted).

And the first thing where investors make mistakes is a term. To make the calculation right, you should type in ???not just the term of your deposit???, you should write down the term of your deposit, which is divisible to your interest.

Let us put it simpler. If you invest for 10 days, and your interest = 5% FOR 10 days (in accordance with the terms of a program), then if you type in the number of days, I mean 10, you will get the mistake, because the formula calculates the ???units??™??? number as a term. I.e. the number of times, you should sum up money to your deposit.

Better to say, it??™s a simple multiplication by the number of adding the interest to your deposit. It??™s the simplest formula, and at the same time it??™s the one that calculates compounding deposits. As you can see the amount is not taken fm you account it remains there and the interest rate is calculated every time from the remainder on your account.

If you make these calculations in series, without the formula you may have the mistake, if you don??™t sum up the interest received to the deposit and deduct another interest from it every time. So, here is what happening on your account. :)

If you wish to get the amount of your income, no compounding included, you will have just to remove the variable ???term??? and divide the amount by 100. All this is realized up to a point you get the ???hundredth??? interests.

You can also put the division in brackets. So, our formula looks like that: Your deposit * (profit rate * term/100) = your total income. That is all.

These two formulas will always be the first reason for the profit calculation. Though, then as you grasp new investment summits, you will certainly have not just to use more complex formulas, you will also resort to the help of the worked out ones.

Concerning the formulas??™ simplification it??™s important here not just to sum up the deposits received, and possibly to calculate the total interest number you get from each of your programs. However, it is only actual if you make the same deposits in all the variants.

The ???risk degree??? is also good to be included in the formula. Of course it will not sound mathematically, but you can divide the interest you get (profit interest in the formula) by the unit, you give to the program as the ???confidence level??? If you are penetrating enough, in the upshot you will be able to see also the amount of the incomes received if any of your programs collapsed from your calculations.

And, hence, you will understand that from your income amount the one with the least confidence level is deducted.

If you use the existing calculators, you know they will hardly astonish you. For instance, Hyip Navigator offers rather simple calculator that calculates on a simple form, though having one peculiar feature about it. And by your request you can calculate any value in the formula.

So, if you wish to get the certain profit, you may calculate the term or the interest needed. It is done with the help of the ???reverse??? formula. Which is actually formed in accordance with the mathematic rules. It is a good function, though we don??™t recommend you as investors using such calculations as the guide to action.

If you calculate the term needed or the interest, searching for a program for you, you can lose, without taking a look at other characteristics, not paying attention to its quality.

There are many programs that offer calculators by themselves, which can be used before completing investment. For instance Oceanic Financial calculator: https://www.oceanicfinancial.net/calculator2.php another simple form is used here.

You should be warned that programs can be not honest in their calculations, though I don??™t believe it, cause anyone can check the work of such a calculator, catching the scammers immediately. So, this kind of practice hasn??™t been used until now.

Here http://www.u-software.com/onlinetools/fhc-online.php you will see another calculator that doesn??™t offer anything special, though if you follow the link you can download free software for your site. By the way, significant add-ons, which can satisfy everyone, can be discovered in such programs. :)

But, not the HYIP investors. Such things as stock value, transaction value and other stuff ??“ is not for us. However, important features concerning the calculations of the funds transfer cost, administrative fees and others are certainly going to make your calculations more accurate.

Besides, in the calculators like that you can save your results, establishing a file of programs and calculations for them. Making standard patterns and calculation formulas are also possible.

And finally. Always be pure mathematicians and pragmaticians. If you make calculations yourself, you should necessarily check the results. Your success possibly depends on that and you shouldn??™t be the hostage of your emotions and if you can??™t ??“ you??™d better ask somebody or make a file with standard Excel formulas. :) Good luck.

Brett Sherpan

Applied methods of collecting information

2008-12-09T22:19:00.001-08:00

In the age of information, possessing it means actually to rule the world. Practically everything in the environment of ours makes up informative canvas, which can be ruled, controlled, and corrected in accordance with your needs. It`s enough to possess information and be able to handle it. In today`s article we`ll try to tell you, what it means to possess information in the HYIP world, namely ` how to get it, where to get it and ` how to use it.

Unfortunately just like in the majority of our issues, we warn you that in such little volume we can’t expound all the knowledge we have on this topic. So we’ll just try to expound the essence that will help you to move further on independently, and of course – to get the minimum required.

So, this article is about they way how to collect information about HYIP programs in a better way, what to do with it and how to estimate. First of all, as soon as you are going to invest, we strongly recommend you to consult the Who Is service to know the registration data of your program. As soon as you are through with the Who Is test you will have extremely important data such as – registrar, admin address, his mail address etc.

In case the domain is registered anonymously, you can also draw a certain conclusion – whether these guys are worth trusting or not. If this information is indicated, you can check it via Internet, just mentioning the address o telephone in the search line, maybe you will become aware that telephone code, indicated in the registration data is a telephone code of Antarctica which by the way really exists.

Then we recommend you to go to your favorite HYIP resource, where the catalogue of the programs, blacklist and forum should be. Of course we strongly recommend you to take into account that not all the catalogues and not all the forums are what we want. Several times we have told about that in our articles, devoted especially to catalogues and we are not going to repeat that again.

If you don’t trust a resource, you see that his work is low quality, we advice you not tot trust what it does. I.e. some honest programs may be put to the blacklist, just because it was added there automatically, or by admin’s request.

As an example we’ll give the resource of ours, cause it’s the best of all we know. :) So, it’s better to start with the search:http://www.hyipnews.com/search, in the search line enter the ADDRESS of the program and the result is easily seen. Immediately you will get the detailed information concerning whether this program has ever been mentioned in the daily updates of ours, if not then in the e-zines of ours or whether it’s listed in our catalogue or on the forum.

It’s quite simple. We have a catalogue, black list, forum, news line, and magazine. This program could get into magazine as some interesting offer or not, it can be listed in the catalogue as the one we invested our money to, in the black list it can be listed as a SCAM, we are trying to add maximum possible amount of new programs to the forum and for sure you may find lots of interesting details in discussing its activity.

You should make a separate search in the topic: WARNING LISTING: http://www.hyipnews.com/forum/index.php?showtopic=147 - all the programs investors used to experience trouble with are published in this topic. Close to the names we try to indicate why exactly the program was listed here. Whether it’s not paying out the funds or it’s offline – everything is here.

The list is updated daily and hardly ever any of interesting programs will be missed. Actually if a program is not listed on HYIPNews – it can be suspicious. By the way, the fact program is presented in this listing of ours, doesn’t mean anything yet. If the site of the program you study is offline now so it’s used to be there sometimes ago and now it’s back.

This information is valuable by itself, cause judging from experience, such programs may have troubles in future.
So you collected as much information as possible from your favorite resource. Where are going now? Here we can choose. If you don’t wish to do all that, choose one of the variants and take your decision, if you definitely want to save your money or at least not to feel sorry afterwards when you miss something.

So the variants are Google, Forums, Catalogues. The last one – you will certainly have to examine some other catalogues fro receiving as much information as possible. Thená move on! Make a list and check, though keep in mind that while preparing the news, collecting information for the forum of ours we do all this. :)

Forums now. Enter any of the famous forums, you are using in addition to the “basic” one, submit the name of the program in the search field. Keep in mind that the name where “hyip” goes for a separate word would not likely give enormous results – cause the result will be stunning. Nearly every forum database comes within this request.

Of course after the unsuccessful attempt one may use the quotation marks. But the best is to write in the domain name and you will see that the result is unique, cause there are no identical domain names. But, not all forum members call their subjects as necessary, they don’t always give links to the program under discussion, well then you’ll have to experiment then.

Now let’s proceed to the third, the most powerful, and at the same time common tool, namely –searching via the search system. The only rock may trap you here – incorrectly made up request. As for the rest, all search engines work approximately the same well, and it won’t be a problem for sure. :)

So, what are you searching for? Submitting the name of the program you can find too many coincidences, submitting the address – very few, or just the site of the program. All this makes the task harder, though it’s worth trying both variants. As for the rest you can make use of habitual tools, use the quotation marks, type the word HYIP or SCAM near, you may try to use your fantasy, typing the word “paying” next to the name of the program.

As soon as you are through with all the manipulations in a separate file you will have the complete picture to take the right decision. You can be sure – now you are protected much more than earlier, success is not far from your wallet as it used to be.

Todd Lawson

What is there in the name – HYIP names, their meaning

2008-12-09T22:18:00.001-08:00

When you meet person, you certainly ask his name first of all. And the name – it’s the first thing you hear, the first information about the person. Of course, perforce you have a certain opinion about him, reasoning from his name. Maybe that’s the name of some relative of yours, or some offender, or your aunt, who bored you to death in childhood. All this leaves the mark on further communication, so we decided – the name of HYIP – is the same as the person’s name!

Moreover, if a person won’t assume the right to be superstitious as regards to some specific name (well, it would be somehow not nice to cross oneself, or avoid communicating to a person called Steve or Josefina), then in the world of HYIP such prejudices are in vogue. And… for the sake of truth we must admit that sometimes they realize, because often the author of the program wants to express the main advantage of the program in its name, and that becomes the reason of a collapse.

Such regularity developed due to objective reasons of HYIP development. We all understand that administration actually have no many variants to choose from. First of all, the main and the most circumstantial variant – using four sore letters: HYIP. Nowhere without them… to be exact one can do without them, but in such a way it becomes clear what it is all about.

- Good day, I’m John Hyip. Nice to meet you.

Tell me, everything is clear for you. Where is the person from, what is he (and there’s a strong association in the brains of a genuine investor: isn’t it a SCAM?) Maybe you have already understood that his parents went mad on online investments. :) That’s a joke. In such a way, TOP position in our list is the word HYIP (abbreviation of course, to be exact).

Then the words FOREX, GOLD, FUND and different forms of the word INVESTMENTS are used equally. In fact you should know why these words are used more often than others. Programs that work on FOREX try to call themselves like that, and programs that buy or sell oil, more often put this word into their names.

Everything is quite simple. You also know that the greatest value fro investments is gold – the price for it changes often, it’s comparatively high and predictable. As the result – this word becomes the part of the name of the program.

Besides, the main e-currency for HYIP transactions is – e-gold, which is inseparably connected with gold. Concerning “investments”, “investment”, and simply “invest”, obviously these words are not worth talking about; everyone knows what they mean, and why programs given are called like that and nothing else. We are all from the investment world.

Large group of names make up programs of different traders, experts etc. It’s usual. Actually, original name of a program will hardly save you from being scammed, but it will definitely be better than some old, plain name. All because everything here is according to the principle “the way you call a ship”…

As for the “effect” of the names, we can say the following. First of all, investors have a number of strong NEGATIVE associations with some names. They won’t just invest to the program, if it’s called like that. Moreover, if in the consequences it turns out that it’s a scam, the rule proves to be true.

Unfortunately we have no exact statistics, though while preparing this article we carried out small investigation that confirmed these rules. So, one of the most dangerous for investors are programs, having the word BANK in the name. The thing is that notions “BANK” and “HYIP” are totally incompatible, that’s why such a name has the purpose just to win investors’ favor, to make them sure they are safe, connecting their program with banks in their consciousness.

Rabbit, known to everyone usually comments on the messages, saying about such programs collapse easily: “the word BANK in the name – so it’s a SCAM”.

The second widespread variation on this topic is the names, based on the payout method, they realize. DAILY, WEEKLY, MONTHLY – like that. And here the word “hourly” is the most disregarded by investors.

Actually now there are several programs that realize payouts hourly and having the word “hourly” in their names that work honestly, brining revenues, though more often such programs disappear right after the start of their work, and there’s nothing left to establish another confirmation. More likely it has to do with objective complexity, which is – to pay hourly is more difficult than to pay daily or weekly.

And so we are finishing our brief review of the HJYIP names and their meaning. Hope it was interesting. If you know something to share with on this topic, we are always open for communication with you. Good luck and… pay attention to names, they can mean a lot.

Eric Marriam

Maximum of the program is a sign of weakness?

2008-12-09T22:15:00.001-08:00

Among other characteristics, the program has a characteristic that in fact rarely brings interest from an investor. Because this figure rarely plays an important role ??“ few people agree to invest in a program with the amount more that four zeros. But like everything concerning the program, it should give to an experienced investor priceless information because it tells a lot. What exactly ??“ we`ll try to analyze in our article.

First of all, please answer a main question ??“ why does the administration need money at all? It needs money to make profit more that it does now. That is, because a trader makes a profit not in money but in percentage, the amount from which the trader gets a percentage should be INCREASED. To the maximum.

If an investor makes 10% a week, there is a big difference whether he makes it out of 10,000 or 100,000. It turns out that if he takes 5% of the amount, his earning is growing proportionate to the amount which the trader works with. I suppose this axiom is clear to every investor.

At that you can notice that the risk of losses is increasing as well. But anyway when you work at the market like that you should always strive upwards. Because if you`re not a professional, you`ll lose with any amount, and if you`re a profi you better take a bigger sum in order to lead a game on a serious level.

The matters stand in the other way with internet and HYIP. Firstly, there is a lot of deceit. Secondly, there is little trust here (it comes out of the first point). Thirdly, there is little publicity. I mean that all Internet transaction, a person to whom you give money, etc, all that stays in the shadow and can be revealed by the malefactors and used with bad intentions. The conclusion is that caution doesn`t hamper.

As a logical result, the programs have a limiter (actually they had it from the very beginning). It helps to prevent some difficulties. From one hand, it seems that the program that needs more money should not limit its investors. It occurs that the program won`t be able to pay such a percentage. I.e. it won`t be able to pay 10 out of 10,000, and if the sum like that is invested, nobody will receive anything. I mean ponzi. In fact, it`s right. To promice 40% out of 100,000 a day is rather silly and self-assertive. If you don`t want to lose, better avoid such programs. At least, try to clear out why that is with its percent? Are there any limits?

From the other hand, the programs proposing a well-grounded percentage and really exist at the market are not cunning when they say they don`t have any maximum. Their main aim is to get as much as possible turnover means. But often such programs close becoming private. It should happen, as sooner or later but `maximum` comes. These are thoughts from one hand.

Thoughts from the other hand are the following: one should understand that the Internet differs from the real life. To transmit $100,000 to somebody here is not carrying a bag across the road. It`s rather dangerous and very often ??¦ not necessary. Because it`s better to go to the bank with such a sum and to make a legal and protected money order. But even not paying attention to the details, it`s responsible. And obviously the Internet is not ready for operations of large scale. And limits of exchange services can bring many problems.

In addition to that, the sum affects the guarantees. If the program offers the maximum of $300 it should be obliged to pay its percentage for ages. :) There are such programs, you know. Besides, the program can have a reserved fund to cover PARTIAL losses, which makes a lesser amount that with large deposits. In fact, if the trader cannot afford to work with such amounts, the situation is completely clear. But these are just guesses. Each time you should find out with the administration on a private basis.

There is another moment ??“ you should pay attention at the maximum comparing it with the site quality, service work, etc. Because if for $50 you are said you can invest 200,000 in it, it looks affecting at least. Would you allow transporting a sum like that in a broken old car? Would you trust somebody to do it? Exactly.

Summing up I would like everyone who reads the article to think and work out his own estimating system, his own action program. In every separate case this system will allow you determine without error the best variant. In practice, you can ask questions with a lot of consideration and estimate the answer. It`s very important for the successful job. And we`re sure we give you a key. Reconsider your estimation again, pay attention to the insignificant details and you will be able to achieve success. We guarantee.

Lella Prior

Book-keeping fundamentals

2008-12-08T05:42:00.001-08:00

Hope, our reader remember that the first part of this article, or more precisely, a couple of articles was devoted to the advices of how investor should conduct the databases for his programs. In other words, calculations and catalogue, which then helps to make the statistics of own work. Now we want to pay attention to the issue that we decided to call “book-keeping fundamentals”, and tell you about taking stock. We sure, living without it is more complicated for the investor.

As soon as you started to invest you might probably not think that this game may be a serious business. WE are not sure, of course, that this is a serious game for you now, and if you just enjoy the playing, this serious approach won’t be interesting for you. However, everyone may find something useful in our articles, so even if you are not going to bother yourself with staining the papers, we advice you just to enlarge your outlook. :)

At first, let’s define the notions that we will be use on casual and amateur level. At first, the budget is an amount of money, which you are going to spend in a definite period of time for definite purposes. Everyone has his own goals – to buy roller skates or to play over. Yes, this may also be an item of your budget.

Calculating the money in your budget, you may mean the money you already have, as well as those that you will earn. For instance, if you know that you will receive 5 grands from somewhere, and you always receive this money, i.e. this is a real event but not your dream – it may also be taken stock of, as the sum that can be spent. For instance, salary.

The main items in your budget (or plan) will be revenue and expenses. Expenses are minuses and revenue is pluses, i.e. the money that come to your account, respectively. Profit is the result which appears when you distract expenses from revenue. However, this will be loss, rather than a profit. :) Then you may just use the term “clear profit”.

The first step of our casual book-keeping for newbie is done. How would I do it. At first, I’d define the sum of my budget. Let it be $1000 for a month. I expect to receive a transfer of $100 from my aunt in the middle of the month. I know that I have to pay out $300 credit. In general, it concerns casual expenses, but after calculating them I single out a sum that I could spend for HYIP. I do it all, of course, on the sheet of paper with columns and pictures, but PC will go as well (without pictures).

I singled out $500 for my HYIP. Excellent. I put on this sum on the top and decided to think over where and what I would do. At first, it’s necessary to take into account that such thoughts don’t appear when you have just one figure on the top of your sheet. Usually all is decided in your head, because this guide is most useful for those investors who follow the plans and strategies, i.e. know their mind. Let’s not get further. Thus, you plan (or just put in your budget) where and how you will spend your money. The main items.

I write the following: $100 betting, $150 – some program with low interests, $40 for doublers etc… it’s possible to put down when you will invest the money. For not wasting it all at once. :) I always leave $50 of reserve fund. If all is ok, I’ll have a profit, but if not, I may try again.

Thus, what we have. At first, the sum that we may spend. At the second, a detailed plan, the third – action strategy, which, if we don’t get beyond its limits, will help us to know by the end of the month if we lose $500 and not more or if we may move somewhere.

The last issue is very important. If you are indifferent where you’re going to, of course, it’s not important. :) But if you really invest, you’ll be interested to know how much money you earned two months ago or a year ago! Fancy, how interesting it will be to compare and learn some lessons! So don’t delay. Make such document and put down all necessary data in it. :)

The month started. You invested the money where you wanted and immediately noted these transactions in your book-keeping document. You should do it so: the date, where you transferred, where you transferred from, the sum, batch and the purpose (for instance, deposit in some program or “additional deposit”).

In general, here you may repeat all the data that you may find on the history of your transactions on e-gold. Say you’ve never used it or never needed it! It’s necessary! Fancy how useful will be to have such document at hand.

In principle, transactions may be noted separately. However, it’s possible to mark them in common list, put down the sum, but put it down either in revenue item or expenses item. If you have transferred the money, mark it in expenses item. If you have received it, put them down in revenue item.

Thus all your transactions will be noted in one place but you’ll be able to calculate separately your revenue, expenses and profit at the bottom of the table. You will see how much you lost, how much you paid for currency exchange, or transfers, or charges. This is important when you care about each cent and care about your well-being.

It depends upon you how detailed the table will be. It will be so detailed and thought-out , structured and detailed as you will do it. Fancy that this is your purse, where you need to make pockets, make strict parallels and settle everything down. You are alone you’re your imagination and you may do anything you want. The main thing is that the figures should agree.

Checking the figures is the main precept of a book-keeper, and you have to learn it as well, and - all the best! Good luck.;) Share your experience, dear sirs.

Brett Sherpan

Managed Futures as the future of the investment of funds

2008-12-08T05:40:00.001-08:00

The investment motto says, „Saving is good but investment is more efficient!“ This statement moves the well-tried but low interest paid account book into the background and increases the interest of young investors constantly. But the interest in the capital market and its attractive investment possibilities does not only grow at the colleges or universities.

Traditional investments such as shares, bonds issues or immovable property do not constitute the total portfolio anymore for a long time. In particular, yield-strong investment funds are placed in the focus of the public.

However, the strong attack on the alternatives investments has a disadvantage too. The kinds of the investment possibilities are numerous and the private investors and financial managers are missing information and experience with the individual products.

Ignorance and uncertainty of the investors affect the decision for the investment strategies. The Superfund sets exactly here and informs as an offeror of Managed Futures products about the function and strategy of the investment class, which belongs to the alternative investments.

Lasting and effective success needs security instead of risk. Professional investment managers use Managed Futures since over 30 years to optimize pension funds as well as bond issues and share portfolios. According to the Barclay Group, the accruals of funds in Managed Futures rose to 17,6 per cent between June 2005 and June 2006 in Germany. As investment class they make up the total of the market of 149.5 billion US dollar.

But what hides behind Managed Futures? Managed Futures are the listed future transaction of certain trade goods and also financial products. Here offerers and customers meet each other, who have two-way expectations of the future price development of a special ware or a product. The offerer wants to hedge against sinking prices and makes agreements with his customers in advance to send his product for in advance agreed price in time.

However, the customers fear price rising; therefore they hedge the price in advance, which they are able to pay. There are also investors, who speculate in rising or falling prices and accordingly buy and/or sell Futures. Only these investors make possible to accomplish the forward pricing faster. They increase thus the liquidity of futures and options markets.

Private investors stand before the decision how they invest in the individual markets. Managed Futures funds are a type of „Universe-Weather-Investment“ because people can benefit from the rising and falling price trends in all acted markets. Until now most private investors invested in pension funds, immovable property fund or share funds.

That’s why Managed Futures of products are suitable precisely for these investors because they can increase the interest yield and also reduce the risk for the classical portfolio of pension and share funds.

The advantages of Managed Futures are convinced because they offer an extremely attractive investment-risk-profile. They are suitable optimally for the admixture for almost any depot because Managed Futures reduce the volatility. Moreover, we can say briefly that Managed Futures offer the chance of above-average profits in each market situation for a long time.

The Superfund (in former times Quadriga) was established by Christian Baha in 1995. Since the establishment the Superfund group proved to be one of the world-wide most successful offerer of Managed Futures products. Today the Superfund manages the fund total of more than 1.35 billion Euros. 370 workers care for more than 50,000 institutional and private investors in 16 countries.

The success of the company is based on the self-developed fully automatic computer commercial systems, which follow the world-wide price trends of more than 100 Futures markets. The Superfund group also co-operates world-wide with the financial control authorities to offer the customers products with highest security.

The Managed Futures strategy is one of the most well-known style directions. The Commodity Trading Advisors (CTA) invest into loans, shares, currencies or raw materials at the world-wide forward markets. The fundamental idea is the acceptance that course movements run off in so-called trends which process can be predicted by means of technical analyse tools (but with a certain probability).

In principle, investors differentiate between systematic and discrete strategies. While systematic strategies represent exclusive computer-based trend subsequent models, the investment decisions are finally made by discrete strategies on fundamental information’s basis. The respective purchase and sales decisions are exclusively made by a computer model.

CTA investments prove typically no or even a negative correlation of stock markets and are therefore an indispensable admixture of each Hedge fund portfolio.

Nicole Berger

The role of forecasts on the exchange market

2008-12-08T04:52:00.001-08:00

Everybody who is connected with the currency or fund market would like to learn to predict future. And of course, this task is not easy. The prognostication of rates of exchange is more complex occupation than the prognostication of any other macroeconomic variable one.

If you want to predict a future change of the conduction of rate of exchange it is advisable to determine the level of inflation in the near period. The more opened the economy is the larger degree all your forecasts will depend on the level of inflation.

In the broad sense, there are four basic approaches. The first and simplest method is to assume that in one year the exchange rate will remain the same as today. A similar “arbitrary” assumption is based on the fact that the probability of increasing the course is equal to the probability of its reduction. This fact does not impress much.

The second approach is based on the effectiveness of financial markets. We can suppose that the guaranteed American bond brings annual 5 percent, but the bond in pounds sterling gives annual 7 percent. Obviously, the market assumes that the aggregate profit of those and other bonds will be identical. Otherwise the interest rate on the bonds, whose joint income is expected lower, will rise to compensate losses.

The corresponding increase in the rate of exchange in which was designated a weak bond is expected potentially. The market attempts to make the aggregate profit or, as traders tell, to reach the unprovided percent ratio (UPR). It is much more reasonable than the first approach, but however this approach is not also suited as the prediction.

The sense of the third approach is a question what change in the exchange rate will be required to bring the economy into equilibrium more or less, moreover from the point of view of reaching steady pay balance. The vexed question is if such method of the fundamental-balanced exchange rate (FBER) is actually the good technology of prognostication or this is only the sequential attempt to accept desired for the real. In any case, forecasts made by means of the FBER are completely unimportant.

The fourth method is also based on the fundamental concept of equilibrium. The overall meaning consists in that the rates of exchange must move thus to equalize prices everywhere where the mechanism of their use operates. This method is based on the parity of buying attitude (PBA) but not on the incomes of the financial assets. It is possible to expect good extended forecasts from this method. In this case, it is worthwhile to combine this method with UIP. It is completely useless by short-term forecasts.

There is another method proposed by Sushil Vadhvanie, the official representative of the committee on the currency policy of the Bank of England. Specifically this committee determines the interest rates in England. Its method is based on the so-called model of intermediate period, which in the essence combines the UPR and FBER approaches.

According to this approach, changes in the rates of exchange reflect the difference in the interest rates and the specific insurance to the risk. The variables, which supporters of the UIP and FBER methods use, influence on the insurance.

The UPRFBER Method works completely properly and explains the exchange fluctuations in the larger degree, although its calculation formulas of the ratios between the currencies are sufficient “tenuous” from the statistical point of view. According to this method, all rates of exchange aim at the balanced level.

The variable of the difference of the interest rates plays less important role here than in the UPR. Special attention is here paid to the level of unemployment. The supporters of the FBER method do not consider it in their calculations. An increase in the level of unemployment decreases rate of exchange. Acting directly, it influences on the interest rates.

In any case, all this has much great significance than it would like. Thus, according to PBA and FBER, the exchange value of pounds sterling is considerably overstated relative to euro at the present time. UPR also predicts a drop of pounds sterling as a result of that the British interest rates are higher than European ones.

However, according to UPRFBER, pound sterling will possibly remain at the previous level as now. Its increase with respect to the German mark was caused only by an increase in the level of unemployment in Germany. Furthermore, it weakened the German stamp because it is considered that the basic condition of the current business account in Germany became worse. A similar situation prevents internal investments evidently.

The suppositional conclusion is that pounds sterling will remain strong. We want recall that any of these models cannot be used purely mechanically. There are many of other factors, influencing on the system, and it is impossible even theoretically to predict all them.

Nicole Berger

Autosurfs crisis

2008-12-08T04:51:00.001-08:00

The fact that current condition of autosurfing sphere doesn't look successful is evident both for investors and administrators. Very few people try to analyse it as a general tendency, paying attention rather to each particular case of decay or fall. But if you ascend a level higher and observe a general condition, you will see that it is possible to speak about general worsening conditions in comparison to the situation of the last year, for instance.

This decay started in summer and it allowed to assume that the situation will improve with the beginning of autumn as more active season, together with HYIP sphere, but, unfortunately, no significant changes occurred.

To define the reasons why the story goes the way it goes now, we should observe it from a few angles of vision and define why it became possible in comparison to previous years. One would think that the situation should successively change to better in all segments of online investment sphere with growing amount of people interested in online investing, and with the growth of the level of their experience and education.

But, on the contrary, increased level of experience makes investors choose a strategy allowing them to operate their funds with minimum losses, which, at the same time, is harmful for administrators of autosurfing programs. Investors try to get into the program for a short period and get out quickly to have their money safe, thus producing problems of cash flow, when administrator is forced to pay out a lot of members after each cycle.

Administrators, at the same time, try to find all possible methods to survive. Some of them accept 50\50 rule, which still call a lot of discussions about it. It is not really clear if this is an excellent measure to provide a program with a long-lasting perspective. It looks like this measure just helps a program work a little too longer than it would work if this rule hadn't been accepted.

Some admins try to survive, opening a few similar projects. But as experience shows, this measure is not really successful, and all of us can recall a few examples when failure of one of the projects wrecked other programs belonging to the same admin.

Another significant problem which also affects functioning of autosurfing programs is a general investors` attitude. At first, the program should constantly develop to work successfully and live. Any kind of program, let it seem more legitimate or not, demands constant cash and member inflow, otherwise the program dies. But as investors see how many programs disappear everyday, they are not likely to trust and try to get in and get out of the program, as we have already mentioned above.

The lack of members` support is also harmful in case problems appear. The most sad about it is that investors often do not try to find out what's going on before blaming and accusing. The least rumour is usually enough for them to start spreading panics about. And, of course, it cannot help program, it just pushes it to the gap, although all investors are well aware of it.

In comparison to last year, general amount of investors of each particular program decreased. Finding new members and keeping them in is more difficult and now administrators need much more time to collect the same amount of members compared to previous years. And most of them don't even reach the average level of members` amount of previous years. Thus, a general scale of programs decreased as well.

If an average investor had been asked to recall the most stable and reliable paying autosurfing programs a couple of years ago, he would have probably given more than a dozen names. What if we ask this question now? There is no exactly defined list of successful programs, recognised by all investors. Let's remember those that are recommended and mentioned in positive comments most often.

Desertskymarketing and CommandSurf are mentioned as top programs that look most promising at the moment. Such attitude is determined by a few aspects of their activity the first one offers ROI low enough to work without difficultied, of course, if they don't meet some unexpected problems. The latter has been showing a stable development and growth withing a half of a year, which is important for the program to move on successfully, and to keep investors trusting and assured.

12by12daily still remains one of the most popular programs, although there was a time when almost everybody was sure it wouldn't survive. Failure of the previous project run by Dave Cannard didn't allow people trust him. Unfortunately, the work of this program doesn't show the same high level of stability, and it is not really known if this is the sign of future problems or just a temporary issue.

XLO autosurfing can be referred to the rank of programs mentioned above, I mean those cases when administrator runs a few projects at once. Administrator of this program also runs a HYIP program, and it seems all is ok, unless all members compliment admin for timely payouts.

13hitsdaily, WickedHits, and DenaliSurf are not so frequently mentioned, and they are less noticeable, but at least there are no any complaints posted by their members. Their work seems to be calm but stable, and it's a good sign for their perspective and for general attitude to these programs.

Of course, we don't insist that those programs mentioned above are recommended by us as only sources of a stable profit in a rotting world of autosurfing programs. This is just a list of those programs that seem to be more successful in comparison to other programs and on a general decay background, I repeat it. Of course, while planning your investment activity, you should carefully observe all programs` details and their background, as well as changing sphere conditions.

Eric Marriam

401(k) retirement-saving plan

2008-12-08T04:50:00.001-08:00

401(k) retirement-saving plan has received it`s name thanks to a section serial number in Internal Revenue Code (U.S. Tax Code) of 1978. Section 401 is devoted to qualified pension, profit-sharing, and stock bonus plans. Point 401(k) establishes the substantive provisions of retirement saving plan, the possibility of contributions by employee from pre-tax salary is it`s feature. Besides, worker`s contributions into 401(k) retirement plan can match the contributions from the employer. Therefore 401(k) also known as "employer-sponsored defined contribution retirement plan".

The basic appeal of 401(k) retirement plan consists in flexibility. If not to speak about a sure gain from savings tax-free means and their augmentation, separately. First of all flexibility consists in that savings are self-directed and are portable.

During the whole period of accumulation concerning the 401(k) you will have the access to your account on the sponsor`s site (with wide tools for control), and also regular detailed extracts. In case of work change you can easily transfer your savings and continue the accumulation. Employers use 401(k) saving plan in personnel selection more often.

Especially it is actual for a small business. After all paid as matching means, also are not taxed till the withdrawal. Thanks to vesting possibility, it can postpone paying some part of means for a certain term. But the worker received the basic advantages, of course.

In general, 401(k) saving plans, are very similar to Individual Retirement Account (IRA). However, in case with IRA, the employer cannot pay the extra means. Besides great limits are imposed on deductions of the worker. Limits also exist in case of 401(k) retirement plans, however they are much lower. The main of them is a restriction on the payment sum. This sum is annually proclaimed by the Internal Revenue Service (IRS).

For example, in the 2008 401k) fund pre-tax contribution limits are put at the following level: $15500 for those who is under 50 years of age; $15500 plus 5000 of additional catch up contribution for those who is over 50 years of age. The sum of employer contributions is also limited. Restrictions on these parameters are known as "415 limit". First of all, the sum of employer investments should be lesser then 100 % of the employee`s compensation or $44,000 for 2006, $45,000 for 2007, and $46,000 for 2008. In this question the employer also has the additional possibilities, for example "Roth contributions". Moreover, there are some various types of 401 (k) plans which differ first of all by a principle of the commitments taken by employer in respect of employees.

So Safe Harbor 401(k) obliges the employer to grant the certain sum on saving accounts of each employee. SIMPLE 401(k) gives the employer more choice, however it is regulated in another way, different from Safe Harbor 401 (k). The given subject demands special attention, however it is important for you to know, which 401(k) retirement saving plan is exactly given by your employer.

As a result, despite that you are limited in the sum which you would like to defer to (postpone) with a 401(k) plan (and thus to receive it after retirement), this sum remains winning. As taxes to your 401(k) account also do not assess the profit received from enclosed means till withdrawal. And if to consider that it will collect impressive enough period of time, the large sum can make the solid sum. Certainly, skeptics are assert that investment possibilities of your 401(k) account are not aggressive enough. However, the income of them is more stable.

Moreover, now many variants for using the means kept on 401(k) retirement plan are offered. First of all it is mutual funds, money making funds, bond funds. The list of funds and possibilities, is formed in each company in own way, therefore for reception of the exact information you need to consult at the benefits coordinator.

Maximizing of your 401(k) retirement plan is first of all, carried out for using of maximum account possibilities, admissible by IRS and ERISA (Employee Retirement Income Security Act of 1974). So, be convinced that you postpone a possible maximum on your account. If you are not included in the list of participants 401(k) yet, you should take an interest in this possibility in a work place. For the self-employee people, there are some differences in 401(k).

However in any case, 401 (k) the plan is the important component of your retirement planning. If your company is matching employees 401(k) means, it is almost additional money. However, do not forget about so-called "vesting terms". Lots of employers are using it for attaching of valuable workers and if you leave before the specified time, you can lose a part of the rights to the means which are listed by your employer.
FUNDS WITHDRAWING PROCEDURE
One of the most important moments is extracting resources, which were saved according to plan 401k. You should pay attention to withdrawing from 401k. First of all, you can take your money back on loan means. In general, this variant is described above. But this sources you will have to give back in a 5 years.

Another thing is "hardship withdrawal". This is a real way of getting the real money in withdraw from 401k issues. This is the second variant.

Hardship withdrawal is a complete extracting of resources saved by 401k. The first thing, that I should say is that hardship withdrawal of funds and it`s using ability is optional. The employer is not obliged to give this opportunity. It should be discussed separately, in the conditions of your 401(k) saving plan. You can get the details from your plan administrator (from a personnel employer`s department). Also make sure to ask about 401k withdrawal penalty.

The sense of hardship withdrawal is in it`s name. You can take this sources out and use it like your own. But, pay you attention that such kind of withdrawal, usually is not a cheap thing. First of all we are talking about the different penalties, which are concluding not only in taking out a concrete fee, but also in other future difficulties. For example, in abilities of further replenishment of sources, which are saving according to the plan. The employer also has a right, for accomplishing the hardship withdraw, to demand from you the confirmation the necessity of getting these means and successfully withdraw from 401k.

Plus, don`t forget the resources which are taken out in a such way are seized from your savings forever - this is the result of withdrawing from 401k. You will loose not only this sum in the form of savings, but also all you percents, which could be added to the period of your retirement. That`s why any financial adviser will suggest you to think not only about the withdrawal of 401(k)savings but also about getting a loan. So, if you have decided to do it - go to the personnel department or directly to the employer.

To take advantage of kept on 401(k) retirement-saving plan is possible after the approach of 70 age. However, if during this moment you are working on a full-time employment and the company funding your 401(k) plan, you might be able to defer this withdrawal rule. There are also special conditions during the period between 50 and 69 years.

Till the 50 years it will be very expensive to take advantage of these means, short of unusual cases. For other requirements there is a unique possibility. It means that even before the approach of retirement you can borrow from the postponed money a certain part (till 50% in some 401 (k) saving plans). You need to return these means during the 5 years, however both a credit body, and a percent, you actually pay to yourself!

It is necessary to pay attention to additional conditions which are regulating not only the use of means, their investment, but also the questions, concerning the work change, and the taxation of means which you put in additionally.

Also pay attention to features of rollover procedures, it can be useful. The given work which you should do before decision-making about 401 (k) retirement plan is not difficult, but will easily allow to increase your means. The next question on a way to highly remunerative retirement planning uses by means of 401 plans should become the studying of mutual funds and other ways of investment offered by 401(k)

The main thing is not to lose a minute!

Abby C Anderson

These strategies bring success!

2008-12-07T18:00:00.001-08:00

So we go on with our tradition to write articles where we share our own strategies, as well as offer a selection of others’ ones that may bring success. Now there are not very good times on the market. It’s uneasily.

Programs disappear one after another, and you can’t even notice how former stars darken, giving way to the new, more interesting, though the same short-term projects.

All this leaves a mark on our investment activity – necessity to be up to the mark all the time, orientate in the storming ocean, always know the reply to any conditions, offered by implacable market movement. So strategies are as topical as never before. But, let’s proceed from the poetry to practice, offering a couple of fresh ideas.
Recently investors are always searching for the strategies, bound to concrete names. I.e. advices are not given as universal decisions that may suppose that variable components of the formula will be replaced with the concrete names of programs and immediately, reasoning from the names they will bring certain income in a certain time.

Though this strategy issues from the fact program is going to work stably and constantly, it doesn’t take into account the chance of having troubles, which sooner or later happen to everyone. Hence, the strategy turns out to be waning, cause it doesn’t foresee the opportunity to find way out of this situation. And it just can’t foresee that.

Of course in future we’ll think of designing such a particular strategy, having names and companies’ names. Though, now it’s not worth saying that, cause we just want to give advices, you will find with a heap of referrals. Maybe we just need to combine it with the subject we are discussing now? Well then, quite possible we’ll do like that.

So, back to business. Today the name of ExpInvest appears more often and more and more often it’s bound with such words as “high risk”, “pyramid” etc. Train crash is being expected on the market and this expectation is like a sky trembling before thunderstorm.

So, if you decide investing money to this program, hurry up to reinforce them with other sources, which could compensate this failure. Let’s calculate. This program gives 200% per month to us. Within 20 days we get 100% and 1005 more in 10 days more. I.e. the return term of a program we are going to invest to reinforce, should be about one month as well. And this is less than 10%. Hence, it’s high risk as well. But you should also have an opportunity not to lose in case on of your “reinforcing” programs fails. :)

If you don’t like that you can always use the strategy, described by one of investors of ours: “To be a good HYIP investor, you need 4 things: Luck, Skill, Patients, and a Lack of Greedyness. HYIPs are all gambles, as no one knows how long any one will last, thus you need luck.

Skill is something you need because you need to have some general knowledge about investing. Patients is key as well. A lot of programs don't pay everyday, and a lot of programs experience problems like DOS, etc. Some members panic in these situations and try to get a refund, complain etc. Lack of Greedyness is key I think.

People get way too greedy and decide to leave their money in programs way too long, causing them to lose it all. This happened to a lot of people in PIPs (assuming PIPS is a scam). I an easy way to conquer greed is to set a return that you want to get from each program. Once you have received this return, stop investing into it.”

And it’s hard not to agree with this variant. If you don’t think over your movements, you will certainly subjected to more danger from fate, so, much more effective is to take other ideas, who advices the following approach, which we think is rather considerable.

“After losing five grand, I stopped looking at HYIP's as an investment arena and adopted a new approach. For the first time, I am making money....so far so good.

The principles I follow:

1. By all means, read everything anybody has to say about the program you are considering. This is what makes TG such a valuable tool. (Here, it’s worth mentioning our resource is also implied, where you can find both forum and catalogue, having heaps of programs and info about them.) Temper the praise a program receives with the knowledge that the poster may be just trolling for referrals. AUTOSURF CENTRAL is an excellent source of info about autosurfing sites.

2. Most important! Assume that every program is a scam or may just fail for a variety of reasons. Since this is now a given, the idea is to recover your initial investment as soon as possible. A 2% program will return your investment in 50 days. Your $100 spend now being worth $200, you withdraw $100 and let the rest ride.

Withdraw a percentage every month as profit (I usually take 50%). Discipline is the key here....get greedy and you WILL eventually lose everything. By adhering to this principle, the only way you can lose money is if the programs folds before you withdraw your initial investment.

3. Diversify among programs that have a reasonable ROI and have received good reports. FeederFund is an excellent way to diversify....sort of a 'mutual funds' approach. But never forget Rule #2!

There are a lot of people more experienced than me here but this is the method that is currently working well for me.”

Interesting here is combining of various systems of work. I.e. those, who return funds “rapidly” and slowly. For instance Feeder Fund, ExpInvest, VAOL-investments are called large and standard, here we can also add the program Ocean Financial that pays stable, decent income.

PlexPay Netwok also looks interesting now. The number of short-term programs is much more. These are the top places in program catalogues, healed by daily income. Astra System, working on the market long time enough can also be called a long-term program.

In the nearest time we’ll go on discussing strategies, now you can think these ones over. Send us your strategies, which can help other investors.

David Lowery