Friday, November 2, 2007

To Invest In HYIP Or Not - HYIP Investment Tips and Promotions

This article aims to educate people on why HYIP is right for some people and not right for others because of the risks associated with a potential for large profits.

To Invest In HYIP Or Not

Many people question why you would get involved in a high yield investment program, but really, the answer is simple. Extraordinary profit. While it's true that most high yield investment programs are high risk, they also provide the opportunity to make a large amount of money in a relatively short period of time. High yield investment programs are not for the weary or the timid as it's very high risk investing, but those who do take part are usually not sorry for the experience.

High yield investment programs, or HYIP is something that many investors simply steer clear of because they have heard horror stories or had a bad investment experience and don't want to risk losing their hard earned cash. But, being involved in an HYIP doesn't have to be a bad thing, and for most people, the results are well worth the risk that is involved in this type of investing.

HYIP is attractive for a lot of risk taking investors because they can invest with very small quantities. In addition, most HYIP programs are easy to get started in and follow even if you are relatively new to the investing world. Most HYIPs use a pyramid scheme, so that new investors actually provide cash to pay existing investors. As long as new investors keep coming on board, investors will continue to be paid. With a good high yield investment program this can work out, with poorly planned programs, you'll find that even the first payments are made fraudulently and things unravel fairly quickly.

Investors needn't worry about the fact that some high yield investment programs fall apart, because it's like any business, some succeed, and some fail. It's up to the investor to do his or her research about any one program and decide if it meets all the safe investing criteria. The thing about an HYIP program is that it can be here today and gone tomorrow if people stop investing, which is where a lot of the risk comes from when you invest in this type of program. But, if you get in on the ground level and pull out when things don't seem to be going quite as well, you can still make an extraordinary amount of money in a rather small amount of time.

High yield investment programs really took off with the introduction of electronic currencies such as e-gold. The reason for this is that investors can buy their electronic funds immediately and start investing right away. Often, these e-currencies can be purchased at a great rate as well, making them doubly attractive to investors. Once an investor begins to earn, he or she can cash out any time and will be paid in e-currency, which is then traded in for a cash value. Electronic currencies really brought the HYIP world to the investment forefront because it made the programs even easier to follow and interact with.

Like all types of investing, HYIP is not for everyone. Many investors believe that opportunities to get involved with an HYIP are just like deciding to throw your money away. Because of e-currencies, many people receive emails for various HYIP programs and consider them nothing more than spam from scammers who want to steal their money. In certain cases this may be true, in other cases an HYIP is a legitimate way to make a good return on even the smallest investment. It's all about choosing the right HYIP and knowing when to pull out if things start to get a bit shaky. If you are good at recruiting people to invest in the programs that you are interested in, than an HYIP may be perfect for you. So long as you can keep getting "referrals" or new investors, your HYIP will likely continue to pay well for a substantial period of time. It'll pay even better if the people that you recruit will also recruit, as it's a pyramid scheme that will allow you to make more money if more people get involved.

With an interest rate of around one percent per day, it's obvious that there is serious risk where an HYIP is concerned, but if you do the research, that percentage can add up quite quickly, making you a sizeable amount of money. If you aren't afraid of high risk investing, an HYIP may be the way to go. Just be sure to do your research ahead of time to take away a little bit of the risk associated with this type of investing.

Michael Goldman is a widely known expert in HYIP Investments. He is investing in HYIPs successfull himself and helping others to make their money work for them. You can learn more about Michael's investing techniques by visiting his site HYIP Best and joining the HYIP Forums. Becoming a HYIP Investment expert is not easy, but it can be very profitable, you can be able to gain monthly interest as high as you will never find in any other investment opportunity! See more information at HYIP Investments.

Investing in the Stock Market: How to Get Started

In the world we live in today there is no shortage of access to investment information. This in itself however, can be an enormous problem. Asking questions about how to invest, where to invest, and what to look for, can bring you many answers from lots of different sources. The trouble is diving through all the clutter to find relevant information to suit your needs.

So when looking to invest in the stock market, where should you start?

First things first, invest in what you know. If you are trying to evaluate a company, make sure you know how it works. The great Warren Buffett has often been criticized for not investing in technology during the dot-com boom. His answer was simple. If you don't know the business model, what the company does on a day to day basis, or how it generates revenue now, and in the future, then stay away from it. It is because of this that he has earned billions of dollars year after year for himself and his investors.

Once you know the types of companies to look for, you'll need ideas. Message boards, newsletters, financial news shows, and stock screeners are all good places to find ideas. Stock screeners are especially useful, because in addition to finding ideas, you can narrow the search down as you go to fit your qualifications. I've personally had good luck using the screener at

So you've found some companies worth looking into, what next?

1. Insider trading -- This is anyone who is considered to have an inside knowledge of the company, and also has money invested in company stock. This could be someone who owns 10% or more of the company, a director, CEO, CFO, etc. Watching when the insiders buy and sell stock, and at the prices they do it, can be very useful in predicting a stocks future. You don't want to buy a large stake in Company X when all the people running it are getting out. Therefore it's always a good idea to watch what the "smart money" is doing.

2. P/E ratio -- The price to earnings ratio can also be a useful tool in evaluating a company. The P/E ratio will tell you if the company is relatively undervalued, or overvalued. A company that is undervalued should have a P/E ratio that is lower than other stocks in their sector. This is a great value to plug into a stock screener to find profitable companies.

Note: P/E can be manipulated (think Enron). Also P/E ratios vary wildly depending on the sector you are looking in. Technology stocks could have an average P/E ratio of 60, while oil companies could have an average P/E ratio of 10. Whenever I evaluate a stock, I don't look at the P/E against all other companies, but I look at it against their competitors in the same sector.

3. Technical analysis and charts -- This is another tool that can help you see where a company has been, where the company stands now, and where it's headed in the future. It shows the company in a graphical form where you can see the stocks activity and volume over a period of time. You can find many tutorials on the internet about this, and you can even get a free DVD that shows you the basics from

4. Management team -- Some people just look at earnings, charts, and other technical ways of evaluating a company. This isn't always a bad thing but to really know about a company, you should know the management. You should know what other companies they have been involved with in the past, and how they did when they were there. You should also know where they plan to take the company you're evaluating, and in what length of time they have allocated to get there. It's a bit like evaluating a sports team. You wouldn't pick a championship team without looking at the coaching staff.

These are a few of the ways to help find companies to invest in. Like with anything though, due your homework, write out your goals, and when in doubt, ask for advice from someone who has already accomplished what you are trying to do. Knowledge is the key to being successful at just about anything.

About the author:

Braydon McCarville is the webmaster for the financial community at Go there to find helpful tools, ask questions, read articles, and increase your financial knowledge.

Adam Smith Held Labor As Something Sacred And The Core Of All Societies

Adam Smith held labor as something sacred and the core of all societies. If he lived today, he would be against Free Trade and Globalization as it is practiced. Today workers are the main commodities being traded. Workers are put on a global trading block to compete with one another down to the lowest levels of wage slave and even child labor. Smith would tell Free Traders not to use his name as a tool for their counterfeit free markets. He would have rejected the greed, power and money that drives Free Trade. He was really a Populist who challenged both capitalists and colonialists to conduct business for the good of all. Free Trade has narrowed competition to elite groupings and vast-trans national corporations. It has closed the door to fair trade.

The industrial revolution and capitalism did not exist in its modern form when Adam Smith lived. He was not a supporter of "laissez-faire" practices in the transaction of business and never even used the term. Farming and mercantile enterprises were the main business pursuits of his time. Manufacturing and production as we know it were something coming in the future. Free Trade is based on moving production and factories from place to place base on the cheapest labor markets of the world. Smith believed the opposite as far as wages are concerned. He believed that better wages improved the capacity of workers who are encouraged by enjoying the fruits of their work to the utmost. He still would have been against government controlling the flow of business but at the same time he would have confronted those who live off the suffering of workers. He would point to the government's part in business as the result of the free enterprise system failing its mission to serve the whole of any society.

Smith did say "self interests" were the roots of good enterprises but meant it in a different way as it is defined today. His most famous statement was "It is not the benevolence of the butcher, the brewer, or the baker, that we expect our dinner, but from the regard to their own interest" - On the other side of the coin , he believed selfish "private interests" led to the "spirit of monopoly" which is obviously happening today in the global economic arena. There is nothing really free about it especially when workers have no voice in the process and are at the bottom of any discussion about Globalization and Free Trade. Protestors are put down fast while meetings of the elite groupings take place. The elite groups from governments, vast-transnational corporations and economists who are far from the real world work day, all meet to set the markets according to their wills. They concentrate on production and investment and ignore the workers. In a weird way, Capitalism and Communism have locked hands in the degradation of human dignity in the work day.

Unemployment rates in the U.S. and other major countries are fabricated to cover the most massive dislocation of workers in history. The U.S. prison population keeps breaking records and only about 40% of all workers qualify for unemployment insurance. This demonstrates the vast voids in the reporting of unemployment. The term underemployment which was once used to cover workers who could not find a full time job has now faded away. A person making only a $100 a month is now considered employed. At the same time, governments keep reporting statistical prosperity while economic decay is obviously all around us. Franklin Roosevelt said economic diseases are highly communicable. Today these disease are an epidemic seemingly out of control. An economic virus has infected the world. A new kind of colonialism has been bred. Nations find they must control their interests worldwide. This causes terrorism and wars.

If Adam Smith was alive today, he would be promoting a book by John Perkins titled Confessions of an Economic Hit Man. This book tells all about the money manipulations by our government saddling third world countries with debts they will never be able to pay. All who are interested in Social Justice and Distributive Justice should read this book instead of The World is Flat by Thomas Friedman. Distributive Justice calls for all parts of any society and economy to serve what is best for the whole of any society and not strip human dignity out of it in the workday. See Tapart News and Art that Talks at

See our other ezine article Lend Lease was Real Free Trade and not chopped liver as in the Globalist World pointing to the fact you can not do business with people who do not have money at and Flip the Flat World over and see what you get. It is not pretty at