In the land of the blind, the one-eyed man is King!
The acronym HYIP has become so ingrained with many of us that we forget what it even stands for. High Yield Investment Programs are, for the most part, NOT what they APPEAR to be.
You might be better served if you think of them as LSRMGs -
Long-Shot Risky Money Games.

If we break the expression down, we see that it is principally made up of the words High-Yield and Investment. Well, firstly, a program is only High Yield if you ever get paid back MUCH more than you spend over a relatively short period of time. So it is NOT the published interest rate that counts, it is the liklihood that you will actually get paid.

Secondly, the word Investment implies that you are actually purchasing something or that there is something tangible that is being held as surety should something go wrong. Now, we all know that many programs boast GUARANTEES that your money is secure and that there are RESERVE funds in case of emergency etc... blah.. blah..

Those of us that have been in this arena KNOW that this is all just words. On the Internet, NOTHING is tangible. Even relatively long-standing and respected institutions like StormPay, EMO and IntGold can disappear in a flash taking your hard-earned cash with them.

So, is the message here ALL gloom and doom?

Not at all, we just want you to be MORE aware of what you are REALLY doing when you spend to a 'so-called' HYIP.

Beware Cookie-Cutter HYIP Sites
First off, be aware that just about anyone can buy a HYIP script and set it up within a couple of hours ready to fleece unsuspecting punters. If the site looks just like one of the 'run-of-the-mill' sites, it probably is not trustworthy. Some scam artists don't even take the trouble to change the words that come in their cheap script. The minute you see that their program is 'backed by real world investments, forex trading' and other such nonsense, you should beware!

Do-Do Diligence (sic)
Next, You will often be told by so-called experts to be sure to do your due diligence. What DOES this mean exactly?
Documents and testimonials can be falsified, so most of this is meaningless. Personally, I use certain mailing lists and forums to get the 'pulse' of a programme that I am thinking of 'investing' in. I don't care about credentials as much as knowing that the program has momentum. I want to get in on the upswing not the down....

Don't Invest for the Long-Term
History tells us that even the best programs rarely last more than a few months. So DON'T get into programs that promise returns ONLY after more than 3 months. The risks are simply too high that they will collect funds until the first payouts are due and then simply abscond with your money!

How do WE make a living online?

Our only goal is to be able to pocket more money than we spend. We are constantly looking for programs that will allow us to do this as quickly as possible. Below are our 4 top picks:

1. Pay4Surf Programs:
   Even though recently there has been a HUGE shakeout in this area, the fact remains that 90% of our short-term income comes from the five programs listed on our Pay4Surf page. If you pick carefully AND diversify it IS possible to make GOOD money here.
   
   
2. Private Program #1:
   We can't openly advertise the name of this program but we are receiving regular checks in the mail several times a month. This program has been operating since February 2005 which is already beating the odds. It is NOT a traditional HYIP program. There is some urgency since Charter membership benefits end as of May 31st 2006.
   
   
3. FantasticPay:
   Although FP has only been around since mid-April and only officially launched on the 1st of May, it has seen phenomenal growth and offers multiple streams of income suited for both the passive investor and the active referrer. FantasticPay is transparent and its admin is available. Using real estate transactions as its base of making money, this one has a good future.....
   
   
4. SolidInvestment:
   This is the ONLY 'traditional' HYIP that we currently hold in our portfolio. Others have come and gone and SolidInvestment just seems to keep on going. We would not recommend that new investors put their money in the 'special' program at this time simply because the time frame is too long for a programme that has been going as long as SI. However, returns in the regular programme are still quite good and you can withdraw your original spend relatively quickly
   

So, perhaps if you keep BOTH eyes open, you can do even better than the one-eyed king