Make money

High Yield Investment Programs (HYIP)

In a hurry for info? Summary of details below:-

•  Invest $1 to $20 minimum by e-Gold. If you don't have an account, go here for a free one.    
•  After a set period of some days, you earn high interest - 10% to 100% or more.
•  I have been paid, many times, but it is prudent to check the program's 'health' stats first !
•  It would be wise to spread your investment over several programs.
•  Only spend what you can afford to loose.

• HYIP Programs that are Paying.

Short Term Programs:-

No HYIP sites of any quality out there at the moment.

PAYING The only site that is paying me at the moment is MyLot at a dollar+ a day just for chatting and absolutly no risk at all !

Long Term Programs:-

No Long Term Programs to recommend at present

•  Autosurf Programs are slightly different in that you earn a % on your investment each
   day by viewing 10-50 websites which load automatically. Payout is daily or after the set day cycle.
   These programs run months longer than those above but need your attention daily.

No autosurfs to recommend at present.

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High Yield Investment Programs ( HYIP ) are also high risk if you don't get in early and don't pay attention to their progress.

Pay in what you are prepared to loose (ie. the risk) and get a return on investment ( ROI ) of 120% to 200% in 1 to 100 days.

If you make 20% every four days then that works out at 1825% a year. A UK bank pays 6% a year.

I favor not to 'put all my eggs in one basket' and spread my investment over several payments over several days - a rolling buy. That way, if the program stops, I will have already covered my outlay with a profit at the end of the day. The longer the program runs the more profit you make but do not expect the program to run for ever .

The Rolling Buy

Assume a total of a $40 investment in a 4 day for 140% plan:-  so $10 matures at $14

From Day5, when the first plan matures, to Day14 - $4 may be withdrawn to extract the principal. After that, the $14 could be reinvested each day and compounded after 4, 8, 12 days to $19.60, $27.44, $38.42, ... and so on each day with your $40 outlay already back in your bank or you could compound earlier and withdraw your principal later.

This requires the choice of a high yield program with a very healthy growth of new members, a site that is well promoted and with a good admin.
This is where site statistics are useful in making the choice.

Banks pay about 5% to 8% per annum at best which means they get about 10%+ pa at the moment for investing your money. Ok, high risk returns will be a lot more but not 1800% pa on average. A fair amount of HYIP money will be invested in other HYIP programs to cover their backs.

The truth is that the later investors in HYIP programs may be paying out most of the interest for the earlier investors. Eventually, if new money dries up, the income from the later investors will not cover the interest and the bubble will burst - the site will close.

However, while it lasts, the profits for you are huge. Just keep a close eye on how many new members are joining, how much is being invested and paid out. Make sure you remember to go back to the site to withdraw your earnings - it is not automatic! Put it in your diary!!

Be prepared to move onto the next HYIP program pdq. This is where the choice of program in which to invest is critical.

The program you choose must give good 'real time' statistics. 'Real time' means the statistics are updated every time you refresh the page - not a day or more in arrears as in some stats. This way you can see what is happening to the site before you invest again.

The Short Term program you choose must pay back the the interest and the principal amount you paid in. So when a site says 150% profit it includes the principal of 100% and returns you 50% on your investment. Most Long Term HYIP programs only pay out the interest, never the principal, so you have to stay investing for a month or so to get back the money you paid, before you start to make a profit. They do, however, usually allow automatic compounding which is good for the investor. Longer term programs are better for punters who don't have the time to check the programs daily!

Choose a program with a forum where you will soon get a whiff of problems. Ok, the forum may delete posts that are bad for business but you will get an idea. Search Google for the site and see what other forums have to say. But read with common sense - some negative posts may be from people chucked out because they cheated or from rival sites.

Bookmark this page and check back in the future before reinvesting to see if the situation has changed.

We are talking small, but real money to start with - not the ' $1000+ in a week '

First, you need some 'tools'.

An 'always online' connection to the Internet. more...
A dedicated credit card for the Internet. more...
Open FREE Internet banking accounts to receive payment. more...
Dedicated email addresses. more...

Second, you need some income.

High yield investment programs (HYIP) return high yields on your investment but are also high risk and of limited duration. Get in early with a sum you can afford to loose and earn 20% daily for a few days or 2% daily for a few weeks/months. Most use e-gold as a 'currency' so you will need to open a free account here... To help in deciding which programs to invest in and when to pull out I have kept the statistics of several current sites and also of sites that have closed. This is a very volatile market but can be very profitable and exciting.

Trickle income, like these sites below, build up a bank balance and give you confidence

MyLot is a great program for people who like to chat and earn a few dollars a day at the same time! The range of subjects is enormous and from all over the world. Upload pictures from your computer, list your passions and other features. But beware - this program can become infectious!! Payment is by PayPal so you will need to get a free PayPal account . If you can't get PayPal in your country then they will pay by E-gold.

BlueBayptr is a great PTS ( paid to search ), PTC ( paid to click ) PTJ (paid to join or sign up) and PTR ( paid to read ) program and, unlike some, has a low payout threshold of $2. This amount can be quickly reached by joining other programs from the Paid to Signup section, searching on links in your Inbox and clicking on banners in the Paid to Click area. I earn about $7 a month on my own searches. Payment is by PayPal so you will need to get a free PayPal account. If you don't do proper searches (see below) then you will not be sent many paid links.

Here is a tutorial on how to make a valid search . It will take longer than the 40 seconds shown to finish loading three pages but if the advertiser doesn't get paid, you wont get the links in the future.

Rpoints is aimed at UK/Euro surfers comparing prices of goods.

An example of how Rpoints worked to save me 36% off my UK car insurance is here...
Just to show that you can save money and make money using Rpoints.

You can buy almost anything at the best retail price and then get an added discount with Rpoints. Go to the page called 'recurring' where comparing prices with Kelkoo and others earns about 2p to 6p a click up to a max of about £1 a day. Ultra-cautious about awarding points, Rpoints take a week or more to check, then credit, your points and then a month or more to validate them before you can cash in. A good forum explains all this. But, once the ball is rolling and you're clicking every day, the cash rolls into PayPal at £5 minimum a time and in £sterling too so you can have dollar and sterling PayPal accounts to save on exchange rates.

Higher Payouts.

Normally I avoid very high payout programs where it sometimes takes a year to reach the minimum by which time the site may have vanished!