Introduction

First thing's first. HYP is not only High Yield, it's High Risk! If you're the type of person who prefers "absolutes" and "guarantees", then this arena may not be for you. Your odds are very much the same as they are in 
gambling. You win some, you lose some. Always remember too that in 
the gambling arena, the odds are unreasonably stacked in the casino's 
favor! Same here considering it's the Internet. 

You don't know these people offering to take your money. Same as you don't know a dealer. They have much more experience than you within his/her craft. 

It's critically important to understand the basic concepts before you spend, however, it is possible to take educated risks to minimize any losses that can occur. After all, you've heard the expression, "Beware of diving into unknown waters"... in other words, don't spend into a program until you know "how deep the water is that you're diving into". 

There are many excellent places to get HYP information using search engines, this guide is a good starting point. The importance of retrieving information is like any course that you'd take in school, you need to learn.

Over time, you'll understand the process needed. Due diligence is necessary in any financial decision, or business practice. One of the worst things you can do is spend in a program without reading what it's about or how it works. 

Some of the most important lessons I've learned in order to be able to earn a full-time online income are to keep good records. Be aware of, and try to pay attention to the little cues and clues that tend to reveal bad programs and incompetent people. 

Usually, whenever you make a mistake that costs you a lot, you later realize that there were little signs that you ignored, clues which went right past you that you can see clearly in hindsight. 

Ask questions of yourself and others. Be patient, this is like growing a tree, not winning the lottery. You plant many seeds, some will grow and others wither right away. Water them and tend to them, you can force them a little, but rapid growth is usually shaky and weak, and can collapse on you. After a while, you'll have several growing "trees" which reach a level where they take off. Just keep adding a few new ones and culling out the losers and you'll eventually succeed.

One of the most useful resources to read and educate yourself about HYP programs is E-told. For a nominal subscription fee, the information you receive daily can help you succeed long-term. E-told is a must have tool for anyone serious about making money in the HYP arena.

Tip! There are many places to find information. Take all HYP forums, message boards and rating sites with a 'grain of salt' as they can be manipulated by owners and usually cater to paid advertisers, regardless of their legitimacy.

Nowadays the word HYP has become a very common term in the cyber arena, even though a lot of people still have never heard of it before. It's even caught the attention of government financial departments to ponder on. Even the federal securities are talking about HYPs. So what’s the big story behind this four letter word ? Let’s find out through this detailed report, which is based on what I've learned from other experienced investors, some of which have several years of field experience in this arena.

What does 'HYP' mean?

HYP, simply means “High Yield Program”. It’s exactly what it sounds like. These companies ask you to provide them with a loan of money and they promise to repay you with interest payments on a Daily / Weekly / Monthly basis. 

The return you get on your investment ranges from very small to very large percentages and could be spread over a long period of time. You'll usually recoup your investment in about 2-3 months, and from then on it's pure profit.

HYP’s are probably the most profitable investments available now days. Some can give you up to 100% return on your investment per month. This industry is growing by storm everywhere on the internet. There have never been investment opportunities such as this to give such a high profit within the shortest time.

There are many different HYIPs on the internet with many different methods of payment and repayment. 

Never put money in every single HYP that's out there. Around 97%+ of these HYIP programs are scams. If you follow the advise in this guide, you'll make great profits like I do and avoid losing lots of money.

What do these HYP Companies do? 

Most of these companies will follow a unique investment strategy to gain a high level of profit. They manage their/your investment in the most efficient way to ensure the profit return for their clients. Some of them will invest in the stock market, others in property, bonds or Foreign Exchange (Forex).

Most of the time a company will use a combination of opportunities to generate such a high profit margin. Each company usually has their own unique strategy. 

Often the best programs go private and close their doors to new members 
after they reach the maximum figure their traders can manage profitably. 
On the contrary, "ponzi" and pyramid scams will not close to new members until they fail. This is because they are using new members "investments" to pay interest to previous members, until the program becomes unstable or runs out of suckers, and then the promoters blow with the dough.

Are HYP's Legal?

The real HYP's are legal, they're a form of making money, but they're only legal if you declare your earnings from them on your tax return. Contact a qualified tax professional for more assistance in how to deal with this type of earned income.

Can there be fraud in HYPs? 

Yes there can be, and there are plenty of it online. From our research, as many as 97% of the HYP programs out there are fraudulent programs run by scammers. They're are just there to take your money and run. These HYPs usually last no more than 3-6 months. That's why it's wise to do your due diligence before investing any money. 

Security

To start off with, the subject of internet security is probably the single most important subject to consider when dealing with money, or currencies on the internet. Hacking has become a major problem that cannot be ignored. 

There are many methods used by the hackers of our time, and they're figuring out new ways to do it every single day. SpyWare and Keylogging programs are one of the most practiced forms of gaining information that's used to rob individuals of their funds from accounts on the internet. 

It's also used to gain information so a hacker can gain entry to any program that you may belong to. I'm going to outline some methods to keep out the hackers, and I'm going to list some very good programs that can be acquired for free, and some that cost money. 

It's my personal opinion that if you purchase the best security you'll have the best security, and if you intend to protect programs that involve a good deal of money, then you should consider the purchase of the best software to be a really good investment. 

How to determine if an HYP is a Scam

Simple and straight answer: You don't. You can take advice from people in the industry, read forum posts, etc. The decision to join should be entirely your own, and you should understand the risks involved as I've outlined them here in this report.

Possible Scam filters

In my time in the HYP arena I've observed the following:

1. Hourly or Pay by the minute HYPS are almost all scams. None of them lasted for more than a few months.

2. HYPS with 'Gold' at the end of their name (ex. KenaroGold and TradeProfitGold) tend be scams.

3. HYPs with 'Bank' in their name tend to be scams. A HYP is a HYP, not a bank.

4. HYPS with 'OIL' in their names (There was one called OILBank once. LOL) all tend be scams. The OIL like the bank and the gold is added to disguise the scam.

5. HYPS with the canned HYP script then to be scams (we are aware of only a few exceptions out of the hundreds of HYPS that have launched and disappear since May when I started out).

Due Diligence Tools

There are tons of forums and message boards out there that share HYP investment strategies and possible scams to look out for, but one of the most credible sources for the truth about the HYP arena I've found and use myself, is E-told.

E-told.org was founded in December 2000 for the purpose of aiding HYP investors in their online search for programs to invest in. 

I subscribed to their daily watchdog newsletter because I need it, they're doing my homework for me. They're doing my due diligence. E-Told has helped me save money in just a short time. The way I see it, it's kinda like an insurance policy that pays off with notifications and warnings so you can protect yourself. You can find out more by clicking here.

This philosophy and game plan to create income in this internet arena is simple and has been working in spite of the many programs that fail. Getting in the black is the mission here and is attainable IF you follow the 3 rules of HYPs that we'll discuss very soon.

So ... lets get started.

10 Steps to Getting Started

Before you can get started with High Yield Programs (HYPs) there are a few things that you'll need to have in place (if you don't already have).

I've broken them up into 10 steps to make it easier to follow. Some of the steps you might already have in place so just 'step' over them and continue with the next one.

1. USERNAME

Choose a online program name for yourself that you'll be using in all the programs from now on. You can use your real name but most people have a 'online name' for use in forums and programs.

2. PASSWORDS

(Mine is *********) :-) Get yourself a password manager. (Manual or Roboform). In some of the e-currency accounts you'll need two passwords. Choose or assign a different one for each program. You'll also need passwords for some Forums and Chat Rooms to participate. If you're not using a manager, get about ten ready. Make them good and at least 12 characters. 

Roboform software is my personal recommendation for keyless password entry into any program or site that requires a password, and can also be used to quickly access those sites, with one click, that either do or don't require a password. 

It's a great software program that keeps all of your information handy and fills in all kinds of forms. There are those who debate about keeping a program like this on your PC, but if you utilize a full internet security program (like a firewall), then this form filler is safe and can do your password entries without using key strokes.

I highly recommend that you go ahead and purchase RoboForm Pro. It has unlimited passcards and you can install unlimited custom info fields. It's the greatest information entry time saver available on the net at this time, and like I said, it will securely enter your saved passwords without keystrokes. 

It also keeps you from forgetting the entry information to all of your programs, and the data can be backed up, so you wont lose it if your PC crashes. It also stores the URLs you need for entry to your programs. I just cant say enough good things about it and I'd probably be lost without it.

3. EMAIL ADDRESS

Have your email address handy. Depending on how you're currently working, it might be a good idea to get a second/third email address. Preferably not a free email address like hotmail or yahoo. I like to use Safe-mail, which is hacker-proof and encrypted. 

Remember all the correspondence relating to investments will now go to this email box. You'll also get your program verifications and passwords at this email address. If you're going to refer others to your programs, you might want to have referral mail to come to a different email. 

The only important email address is the one that you'll enter at all the HYPs and e-currency accounts as it may be very difficult to change later due to security reasons. 

4. THE PLAN

"The Plan" is to eventually fund 10 plus programs, and as soon as some pay out widen your programs to up to 30 or more. Your faith in "the plan" then matures and grows stronger as the overall financial picture, including wins and losses, balances and produces and positive cash flow. The programs themselves individually are not the focus except to try and do as much due diligence as possible so you enter the best 20 that are paying and have the longest track records. It's too easy to want to put ten or twenty grand into a couple programs and be done with it; but it's much safer to fund $500 to $1,000 in twenty different programs that are considered the best programs. Then when one or two fail; it's no big deal. Concentrate on the "plan" not the "programs". 

(This is a guideline - you may have your own - but DO HAVE a Plan). For me, this is a very important part of your investment program. Without a Plan is like taking to the seas without a compass or charts, it's a ship without a rudder. I'm serious, make this the corner stone of your program and you won't fail.) There are two parts to this, the Spend Plan and the Timing Plan.

SPEND PLAN: With your initial funds, select several programs that seem stable. See Passive Income Programs for some opportunities that are working well for me personally. Out of the selected programs you choose, rank them in order from 1 - 7 (best chances of being able to payout to worse, highest to lowest payout, or most to least daily time required , etc. whatever your particular requirements are. Some people don't have the time to auto-surf, others have got low funds, but lots of time, etc).

After ranking the 7 or so programs from best to worse, spend the following percentage of your funds:

Program 1 - 25%
Program 2 - 20%
Program 3 - 15%
Program 4 - 15%
Program 5 - 10%
Program 6 - 10%
Program 7 - 5%

For example if you're starting with $200, you'd spread it out accordingly:

HYP 1 - $50
HYP 2 - $40
HYP 3 - $30
HYP 4 - $30
HYP 5 - $20
HYP 6 - $20
HYP 7 - $10

This will get you off to a good start. Then as money starts rolling in, you can harvest and reinvest into new programs, or even into the programs you've already investing in. 

TIMING PLAN: Then decide and do a timing plan of when you'll reinvest/withdraw your initial investment/withdraw earnings. Decide upfront how much you want to invest and when. Then use the program's rules and set the date that you'll have received your initial investment back. 

Make notes of when, where and how you'll reinvest your profits. Enter dates that you would expect to get profits and then decide what percentages you will re-spend and what you'll takeout.

Once you've completed your plan, put it somewhere that you can look at it everyday and take action accordingly. If you make new spends, add them to your plan and keep updating your plan with action dates set all along the way. This way, you'll have no problem in making a good return from your investments. The main thing to remember is that you must stick to the plan. Sometimes a program looks very tempting to leave funds in and just let it grow. Be careful, this is when your risk just doubles with each period the fund stay out there. Stick to the plan and don't let the greed factor creep in!

How long does it take to become a millionaire with an HYIP?

Let's assume you start with $500 to invest. 

Here's how long it would take to go from $500 to $1,000,000 at various rates of return compounded monthly using an online High Yield Program.

5%________Forever! (Almost)
10%_______6 years 8 months
15%_______5 years 6 months
17.5%_____ 4 years
20%_______3 years 6 months
30%_______2 years 5 months
40%_______1 year 11 months
50%_______1 year 7 months
60%_______1 year 5 months
70%_______1 year 3 months
80%_______1 year 1 month
90%_______1 year
100%______11 months
110%______11 months
120%______10 months
130%______10 months (+2 weeks)
140%______9 months
150%______9 months

There are some interesting things to learn from this chart. 

From 5% to 10% there is a massive drop in time, there is another pretty big drop at 20%, a smaller but worthwhile drop at 30%, again at 40% and marginally at 50%, but from there each 10% more has a rather small effect.

From 80% to 150% notice that even though you have almost double the interest (added 70% to it) you only shave 4 months off the time (reduced the time it takes by about 30%)

Making a bar graph of the above (with 10%, 20%, 30% up to 100%) will show you what the best percentages are. 

Bar Graph - Time in months to become a Millionaire

How long to go from $500 to $1,000,000 at various rates of return compounded monthly? 

10%   llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllll
15%   llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllll
20%   llllllllllll llllllllllll llllllllllll llllll
30%   llllllllllll llllllllllll lllll
40%   llllllllllll lllllllllll
50%   llllllllllll lllllll
60%   llllllllllll lllll
70%   llllllllllll lll
80%   llllllllllll l
90%   llllllllllll
100% lllllllllll
110% lllllllllll
120% llllllllll
130% llllllllll
140% lllllllll
150% lllllllll

The graph shows us very clearly that between 30% and 50% is the best range.

However, 20% is a big advantage over 10% that's for sure, and is the first really worthwhile interest. 

Later on, you'll want more security and you'll have a broader base of more secure lower paying programs to provide it. You can go on vacation without worrying that your Very High Yield risky fund has collapsed and taken a large percentage of your "float" with it.

Of course, all the above is based on the assumption that something that gives a 60% return per month is more than 3 times riskier than 20%. (and will have less than 1/3rd the life span). 

Not always true, but a rule of thumb. You've got to remember that none of these is like the "spend and forget about it" rules of conventional 3% a year federally insured bank accounts. It's like being an independent adult. You can lose. No one is going to take that loss for you. But let me tell you this, the rewards are much greater also, and they are ALL yours when you earn them by your own self-discipline, persistence and experience. 

One last note... If you can't sleep at night due to your spending habits, you're gambling... and you have no plan. Make a plan and stick to it. Do the numbers. The numbers don't lie. Faith in your gamble will often fail you. And remember, the best due diligence in the world doesn't mean something is risk-free.

5. OPEN YOUR E-CURRENCY ACCOUNTS

Use a list of the programs you intend to invest in step 4 above and then list the e-currency accounts working in each program.

The rates at E-Currency accounts is less than at others like Stormpay but Stormpay is easier to use with credit cards as you don't need to fund upfront.

Now open these e-currency accounts [Click here for E-Gold] [Click here for E-Bullion]

If you don't already have an e-currency account, I suggest opening one right away. E-gold and E-Bullion are the most widely used e-currencies amongst HYPs and are free to join. The most prudent thing to do is open an account with both sites.

6. VERIFICATION

You'll need to verify your ID with the e-currency accounts to be able to withdraw funds later. (And in some cases to fund your account). This is mostly for your security, and also to verify that you're not laundering money. To do this, you'll be required to send a copy of your Driver License/Passport photo ID, Utility Bill, etc. See individual programs for requirements.

7. FUND YOUR GOLD ACCOUNTS

It's very important that you fund these accounts prior to joining any program. Most programs require you to spend immediately upon joining or give you a time limit to make your first spend. The links below are AUTHORIZED EXCHANGERS.

Authorized exchangers are able to accept your money and exchange it to e-currency. Each one has their own set of fees and instructions. Read over them carefully to learn how to get your account funded. Best to choose one that will do it all for you. They're in no particular order.

To fund your E-Gold or E-Bullion account using money order or bank wire:

• The Billion Exchange http://www.thebullionexchange.com
   
• Gold Age http://www.goldage.net
   

8. SIGNUP AND OPEN YOUR ACCOUNTS

Use your list of programs in YOUR PLAN above and open a account for yourself with each of the programs you choose. At this time, also join each program's Forum and chat room. Read the rules and workings of all the programs you'll be joining.

9. FOLLOW THE 3 RULES OF HYPs - Simple as 1, 2, 3

Rule #1 - Don't play with the milk money! In other words, never use funds you can't afford to lose. Do not max out your credit cards or spend money that you need to live on. Do not deplete your savings or put your financial health at risk, EVER! ...Got it? ;o)

Rule #2 - Your Principle is your PAL. Recover your principle. Be sure to pay yourself back your initial investment as soon as possible so you can plant the next harvest. 

Rule #3 - DIVERSIFY! Spread out whatever amount you have to work with into at least 5-10 programs (minimum) to reduce your risk. Never put all your eggs in one basket. If one venture goes sour you still have the others intact to produce income. Some will go sour! If you don't enter this arena intending to fund many different programs overall before you're done; you shouldn't be playing here at all - you'll get burned. Funding two to three programs with large amounts is financial suicide; just like it is in the stock market. Just like the "Mutual Fund" approach, focus on the overall "plan"; not on a single program or two. 

Build your program list up to no less then seven to ten, it may take time but this is the proper way. Do not, I repeat, do NOT, lay your faith on a single program or two. It can destroy you and make you bitter and blind in this arena. 

Remember to also be patient - I only had to 'burn my hands on the stove' one time to learn that lesson! Smart money stays in an income-earning position. Impatient money always loses, always!

10. FUND YOUR PROGRAMS

If you got this far and all has gone according to plan (expect that there may be a few delays as verification sometimes take a day or two), you should now do your initial spends in all the programs. Visit the sites daily or as often as you can. See your money grow and monitor the accumulated funds. Remember, take out your principal as soon as possible. Now use your plan and follow it daily. Make changes to your plan as and when required.

Additional HYP Tips

For Beginners
For Intermediates
For Advanced

That's really up to you. I recommend keeping the spends in each program within 20% of each other. For example, if you have $10,000 to use, your spends would look something like this:

Program #1 - $2,000
Program #2 - $2,400
Program #3 - $1,600
Program #4 - $1,800
Program #5 - $2,200

As you can see, all the returns are within 20% of the average ($2,000). This might be hard to do sometimes, but I've found that keeping these within 20% of the mean return provides stability for your funds. Other than this, you have to see what works best for you.

Personal Privacy

In today's day and age, your privacy is always at risk, sometimes more than you'll ever know. The credit reporting agencies routinely sell your NAME and PERSONAL INFORMATION to any sales company willing to pay for it.

If you live in the U.S., below is a phone number they don't want you to have! Call this number to opt-out from this practice. Once call gets you off every credit reporting agency for sale list. Take this opportunity to stand up for your privacy that that of your family. This Opt Out method is free and totally automated. Call 1-888-5OPT-OUT (1-888-567-8688).

Next on the list... You have an unlisted number…so everything is private, right? Would you be alarmed to know that even when you're “unlisted”, a perfect stranger can look you up online, see your address, birth date, past addresses, and even see a photo of your home, down to the detail of your child’s play set out in the back yard? Alarmed yet? You should be.

Take a look at this website: www.zabasearch.com. Simply plug your name in, and you're likely to be surprised, and probably a bit distressed to see all the information that's readily available online.

How could this happen? Easy.

Virtually every major change in your life is recorded somewhere in a government document. When you're born, a birth certificate is issued. When you obtain a driver's license, get married, buy a house, file a lawsuit – all of these events are recorded in public documents easily available to you and to others.

Government records are intentionally public in order to enable citizens to monitor the government and to ensure accountability in our society. The challenge is to balance the public’s right to information with the individual's right to privacy.

The two main federal privacy laws are the Privacy Act of 1974 and the Freedom of Information Act, but they apply only to federal government agencies. And they almost seem to conflict with each other, as the Privacy Act deals with keeping government records about an individual confidential, while the Freedom of Information Act is commonly used to pry open government files. 

But these laws are attempts to balance the public's right to know…against the rights of an individual to retain their own privacy.

So how can you get removed from the ZabaSearch site? 

In order to create, edit, or block your record and/or to add a ZabaLink, all for free, you must make that request in writing and mail it to: ZabaTools, P.O. Box 45210 Omaha, NE 68145.

You must include:

1. E-mail address
2. Full name including middle initial
3. Address of the record you wish to create, edit or delete
4. Phone number you wish to have removed
5. Year of birth.
6. Specify if you are requesting to create, edit or delete a record or if you want to add a ZabaLink or URL to your record.
7. Sign and date your request 

Do yourself a favor, and take just a minute right now to get yourself removed from this list – then forward this article to your friends and family as well.

About Firewalls

This section is reprinted from Shields Up

A firewall ABSOLUTELY ISOLATES your computer from the Internet using a "wall of code" that inspects each individual "packet" of data as it arrives at either side of the firewall - inbound to or outbound from your computer - to determine whether it should be allowed to pass or be blocked.

How does a Firewall Work?

All internet communication is accomplished by the exchange of individual "packets" of data. Each packet is transmitted by its source machine toward its destination machine. Packets are the fundamental unit of information flow across the Internet. 

Even though we refer to "connections" between computers, this "connection" is actually comprised of individual packets traveling between those two "connected" machines. Essentially, they "agree" that they're connected and each machine sends back "acknowledgement packets" to let the sending machine know that the data was received.

In order to reach its destination - whether it's another computer two feet away or two continents distant - every Internet packet must contain a destination address and port number. And, so that the receiving computer knows who sent the packet, every packet must also contain the IP address and a port number of the originating machine. 

In other words, any packet traveling the net contains - first and foremost - its complete source and destination addresses. As we've seen earlier on this site, an IP address always identifies a single machine on the Internet and the port is associated with a particular service or conversation happening on the machine.

Look what this means! . . .

Since the firewall software inspects each and every packet of data as it arrives at your computer - BEFORE it's seen by any other software running within your computer - the firewall has total veto power over your computer's receipt of anything from the Internet.

A TCP/IP port is only "open" on your computer if the first arriving packet which requests the establishment of a connection is answered by your computer. If the arriving packet is simply ignored, that port of your computer will effectively disappear from the Internet. No one and nothing can connect to it!

But the real power of a firewall is derived from its ability to be selective about what it lets through and what it blocks. Since every arriving packet must contain the correct IP address of the sender's machine, (in order for the receiver to send back a receipt acknowledgement) the firewall can be selective about which packets are admitted and which are dropped. It can "filter" the arriving packets based upon any combination of the originating machine's IP address and port and the destination machine's IP address and port.

So, for example, if you were running a web server and needed to allow remote machines to connect to your machine on port 80 (http), the firewall could inspect every arriving packet and only permit connection initiation on your port 80. 

New connections would be denied on all other ports. Even if your system were to inadvertently pick up a Trojan horse virus program which opened a Trojan listening port to the outside world, no passing Trojan scanner could detect or know of the Trojan's existence since all attempts to contact the Trojan inside your computer would be blocked by the firewall!

Or suppose that you wish to create a secure "tunnel" across the Internet to allow your home and office computers to share their files without any danger of unauthorized intrusion. Firewall technology makes this possible and relatively simple.

I hope I've conveyed some sense for the powerful benefits and features created by firewalls. At a cost ranging from $29 to $39 USD, these personal firewalls are a terrific bargain! If you've also received the sense that this can be very tricky stuff I'd have to agree.

THE MECHANICAL FIREWALL

A mechanical firewall, such as a NAT router or a DSL modem, and software firewalls such as Zone Alarm, System Suites Net Defense, Norton Personal Firewall, and others too numerous to mention. My preference is Norton. 

A NAT router, such as Linksys, actually acts as a mechanical barrier between the internet and your PC. There are many on the market and a good computer store will carry a good selection of the best of them. Be sure, though, that your system has one of the following, an ETHERNET or a USB port present and open.

This will be necessary to utilize a NAT router. If you don't have this on your PC, then you can purchase a PCI card that will add this to your system. The ETHERNET connection is the preferred connector for a router. A DSL modem also acts as a mechanical barrier between the internet and your PC. Most of the time if a hacker sends a mass ping out, a DSL modem, or a router is what he will see on the ping. Not your computer. Regular dial-up, and cable modems are not quite as secure as DSL. So, if you want to really be secure, then start with a NAT router. If you have DSL, then you wont need a router unless you want to link to the net with several computers.

THE SOFTWARE FIREWALL

A software firewall, in a way sort of confuses a hackers attempts and even in some cases logs the hackers attempts at entry into your system. Software firewalls can be an extremely effective way to thwart a hacker and protect your sensitive data. 

You can set a software firewall to conform to your individual needs and most software firewalls have a good help system and directions to aid you in the setup of the software. A good software firewall enhances and strengthens a good mechanical firewall. 

A mechanical and a software firewall work hand-in-hand with each other to make your system invisible to hackers.

There are several good firewall programs available, and a search via google using "firewall" as the subject will get you a list of them to look over. My personal preference, as I said is Norton Personal Firewall. I'll cover that in more detail later in this guide.

Spyware

Spyware is another thing to consider when developing your personal internet security. 

Spyware is very sneakily installed on your computer via free programs, toolbars, smiley face programs, email program addons and even via autosurfing programs. It also can enter, and so can viruses, in your email as it comes into your computer daily. 

Spyware sits in your computer and reads your sensitive data and surfing habits and details of the sites you visit, and sends the info to the person or persons who did the sneaky install. It is not a very ethical thing to do, but it is done to almost everyone everyday. 

There are many good stand alone anti-spyware programs available for free download. These include SpyBot Search and Destroy, Spyware Guard, and many others. Again, a search via google will turn up many choices. Just enter "spyware" as the subject. Again, Norton has included anti-spyware in its program, Norton Internet Security, and it is part of Norton AntiVirus.

Virus Protection

Spyware can enter your computer in the form of Virus, or Worms, and also Trojans. A Trojan is named after the "Gift Horse" used in the war between Greece and Troy. And it comes in the form of an innocent or inconspicuous file or program. It gets into your system and sends out information such as passwords and ID names to the person, or persons, who installed it or sent it to your PC.

A worm gets into your system by innocent means such as email attachments etc. A virus can enter your system via any download or email or attachment to an email.

Viruses are the most destructive kind of PC invasion. Some viruses, once activated, can totally destroy your system's BIOS and can totally wipe out your hard drive. So a good anti-virus program is vital to good internet security.

So...in summary...A top level internet security system will consist of a Mechanical Firewall...a Software Firewall...a good Anti-Spyware program...and a good Anti-Virus program. I'm going to list a few of the programs available for a price and a key word to use to access a variety of free and paid for options later in this guide.

A good program to self test your security online is called Shields Up. Here is the link to use it 

https://grc.com/x/ne.dll?bh0bkyd2

Norton Programs - I'm an avid supporter of using Norton SystemWorks and Norton Internet Security.

They cost in the neighborhood of $140.00 for both of them, but they contain everything you'll need, except the mechanical firewall, to maintain "Top-notch" Internet security. 

There are some excellent free software programs out there, but we're talking about protecting your on line account info, and your online E-currency accounts from a hackers intrusion. It's an investment worth making. In my own opinion, Norton is the best you can buy. I personally don't like compromising my internet security and I advise you to take on this attitude also.

Internet Browsers

The Mozilla Foundation is certainly gaining popularity with their Firefox web browser. Millions of people have downloaded it and for good reason.

Gold Currencies

Most, if not all HYPs use Gold Currencies for funding accounts. Gold Currencies link together financial institutions and markets across the globe in a way that allows instantaneous value transfers with a fraction of the paperwork and fraud associated with traditional bank wires and credit cards. 

Here are some of the reasons that Gold Currencies are the best way to do business on or off the Net! They're cheaper! Transaction costs using credit cards or PayPal range from 2.5% to 4.5%. International bank wires cost, on average, $40 to $70 using Western Union.

Gold Currencies allow transactions to take place from as low as 0.1% to 1% on the very high end (e-gold). In other words, the cheapest Gold Currency on the net allows online transactions for FORTY-FIVE TIMES LESS than credit cards. 

Here's another thing. Bank wires in-country take at least three days to clear. International bank wires can take up to three weeks to clear! 

Gold Currencies solve these problems by allowing INSTANTANEOUS and NON-REVERSIBLE transactions! Gold Currencies solve that problem by allowing instantaneous transfers of money anywhere in the world! 

As the network of exchange agents and market makers grows, it's now possible to quickly and easily convert your digital currency to cash in any country in the world. 

Some Gold Currency Debit Cards allow account holders to withdraw their converted gold or silver bullion to cash through any ATM machine on the planet! This means that no matter where you are, if you can find an ATM machine, you can convert your Gold Currency into cash in the local currency!

There are several companies now offering Gold Currency linked debit cards. Gold Currencies are safe! Credit card fraud is becoming increasingly prevalent as hackers steal card numbers from computer networks, crooks root through your garbage and steal your identity, and other nefarious thieves devise ways to get your account number. 

Digital Currencies offer a higher level of security than credit cards. Even the lowest level of security for digital money, an account number and password, is a magnitude safer than a credit card. All a thief needs to steal a credit card is the account number. With digital currencies the merchant never sees your password, so it is impossible for a thief to steal it, unless you give it to him yourself (by letting him access your computer - see our article on protecting your computer from hackers). 

Gold Money supports digital certificates for customer identification. These certificates cryptographically verify that you are you. This makes it more difficult for thieves from accessing your account. 

Gold Currencies allow one thing that credit cards never will: Person to Person Payments. 

Gold Currencies Allow You to Protect Your Privacy! 

It's a known fact that traditional banks keep massive database tracking all of your account activity in the name of "know your customer" and "fighting the war on drugs". 

But in reality, we all know that those banks conveniently use those databases to sell information about their customers spending habits to other companies, and governments use that data to find excuses to confiscate your money and property. So, not only does your government have access to all of your spending habits, but so does any individual or organization who wants to buy it. 

Most Gold Currencies are based in "capital-friendly" jurisdictions with strict privacy protection laws. For someone to get your account information they have to obtain a court order in the country that your Gold Currency is housed. 

This means that true crimes can be prosecuted, but that your privacy will remain intact if you're just an average law abiding customer. Think of it as guaranteeing yourself the right to "due process". 

Furthermore, money laundering is not really an issue since you have to spend your national money (such as dollars) through an exchange agent in order to purchase Digital Currency in the first place. 

Since exchange agents all have accounts at banks with anti-money-laundering practices in place, this means that all money used to purchase digital currencies is theoretically "clean". Clean money in, clean money out! 

So, Gold Currencies are able to provide privacy to their customers, and still be able to guarantee that they're not being used for money laundering. As long as all the money coming in and out goes through banks with anti-money laundering practices in place, then money laundering is impossible. 

Furthermore, all of the Gold Currencies in business at this time are firmly committed to discouraging crime and money laundering, while at the same time protecting the privacy of their account holders. 

Why use Gold Currencies for HYPs? Because they're cheaper, faster, safer, global, and private. 

How To Prevent Your E-gold Account From Being Hacked

First of all, it's better to access the E-gold website via their secure IP protocol (https://63.240.230.10/) rather than via the standard address (http://www.e-gold.com). In case you get a pop-up notification about a data mismatch in E-gold's security certificate, take your time to check its number prior to proceeding to your account. In order to do it, click on "Check Certificate" in the notification window (as mentioned above, it pops up automatically - otherwise, you've got no reasons to worry). E-gold certificate number should be the following: 587C C88D BAAB DFC3 FD81 BB2E 5B93 6931. In case of the certificate number being different, it's better to close the window of your browser and do everything all over again.

Keep in mind that your password should never be a word which can be found in dictionaries and should always contain both letters and digits. Alternatively, you can choose to use some more advanced software with a similar concept (for example, RoboForm - its free version is available for download at http://www.roboform.com).

Finally, change your e-mail and E-gold password at least once per two months. Many closed programs sell their databases to hackers, so you never know who might find out your E-gold account number. Do not be lazy - it's better to spend a few minutes changing your password than a few years recovering your stolen money.

HYP Glossary

The following terms are directed toward High Yield Programs (HYPs). Please let me know if there are other words that need to be added to this list. Thanks!

Account Center - The account center is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Auto-Deposit - When your money is automatically deposited into your account.

Back Room - The back room is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Banner - An advertising tool provided by the company to promote the Program. Thus enabling you to earn Referral Commission for new signups.

Commissions - Compensation received for a Referral signup.

Compounding - To compute (interest) on the principal and accrued interest. Compounding is an option which you can increase your principal. If you choose 100% compounding rate, for instance, all your daily profit will be added to the principal. This way, on the following day, interest will be calculated on the principal + the amount of the previous profit payout.

Compounding Frequency - The number of compounding periods in a year.

Compounding Period - The length of the time period that elapses before interest compounds.

Compound Interest - Interest paid on previously earned interest as well as on the principal. For example, interest earned in one period earns additional interest during each subsequent time period.

Debenture - General debt obligation backed only by the integrity of the borrower.

Diversification - A strategy intended to minimize risk by placing money in a number of securities. In a diversified portfolio, a decline in the value of one stock, for example, would not dramatically affect the overall value of the holdings.

Due Diligence - The process whereby a person investigates an opportunity, assesses the quality of the management team, and the key risks associated with an opportunity.

E-currency - Short for electronic currency.

E-Gold - E-gold is integrated into an account based payment system that empowers people to use gold as money. Specifically, the e-gold payment system enables people to Spend specified weights of gold to other e-gold accounts.

Exchanger - A company which is able to convert your cash dollars into e-currency.

Forum - An online community where members are able to post information to share with others. 

Funding - When you put money into your e-currency account using an authorized exchanger.

High Yield Program - High Yield Program is just what it sounds like, a program offering a high yield return. 

HYIP - Short for High Yield Investment Program.

Interest - The price paid for borrowing money. It is expressed as a percentage rate over a period of time and reflects the rate of exchange of present consumption for future consumption.

INTGold - INTGold is a digital currency, online payment system, debit card service, and IntGold account processor. 

Login - To login is to provide your username and password in order to have access to the back room or member's area.

Logout - This enables you to end your session within a member's area of a Program.

Manage Position - Manage Position is located in the back room/member's area. This area provides information on your transactions in the program. All or some of the information is provided on the page: payment mode, amount invested, cycled amount, purchase date, expected cycle date, cycled, and paid.

Maximum Spend - The most amount that you can pay into a program in one day.

Member's Area - The member's area is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Minimum Spend - The least amount of money accepted in order to join the program.

Non-Compounding - Does not compute (interest) on the principal.

Payment Processor - A Payment Processor allows anyone with an email address to send or receive payments using e-currency.

Profile - The personal information of a member.

Referral - A person that you referred to the program.

Referral URL - This is a web site link that contains your specific username or number that a referral would click on to view the program information. This enables you to get credited for their signup.

Risk - The measurable possibility of losing or not gaining value.

Sponsor - A sponsor is a person who has referred people to a program.

Statistics - The statistics shows information regarding your current program. The following information is available (some or all of the information is available) to view in your back room/member area: You view your total investment, amount paid, amount available, referral bonus, total referrals, referral URL, and if available downloads.

Withdrawal - A requested amount that would be deposited back into your e-currency account and not re-cycle through the program.

I hope you've enjoyed this educational report that was based on the wisdom of many savvy HYP investors. This information is provided to help you get off to a secure and safe start. If you know of anything that I should include, please let me know. I'd be happy to hear from you.

As always, invest at your own risk, understand that private arrangements are by their nature high risk, and use only expendable funds. Past performance is no guarantee of future performance and any one of these, even if they have been around 33 years, can go down tomorrow. As long as you accept the risks and take your own responsibility for your decisions you will be just fine.

Useful Links

Norton Programs http://www.symantec.com 

McAfee Programs http://us.mcafee.com/ 

AVG Anti-virus http://www.grisoft.com/ 

Ad Aware http://www.lavasoftusa.com/software/adaware/ 

SpyBot S&D http://www.safer-networking.org/index.php?page=download 

Anti-Keylogger http://www.spydex.com/advanced_anti_keylogger.html 

Virtual Keyboard http://www.lakefolks.org/cnt/ 

Password Auto-generator http://tjc.iwarp.com/password.htm 

Zone Labs Security Scanner http://download.zonelabs.com/bin/free/cm/index4.html 

Shields Up https://grc.com/x/ne.dll?bh0bkyd2 

UPS by Belkin http://www.belkin.com 

UPS by APC http://www.apc.com

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