Money Makes Money?

the idea of let money makes money starts to penetrate into our society. our people starts to get use to a term called investment. in all definition of the word INVESTMENT, i like this term 'the use of money through various vehicles, or an individual's time and effort, to make more income or increase capital, or both'. look at the underlined words.

investment needs vehicles. to invest, you have to know investment vehicle that can bring you to your destination. prior to it, you have to know your destination. what is you target? why do you invest?

in physical life, if you wanna travel, first you have to know your destination, isn't it? then, why do you need to arrive at the destination. let say you wanna travel from KB to KL. you have many choices of transports. you may drive your car, ride your motorcycle, or bus, or plane, or even lorry, if you want. that's why you have to know your motive of traveling. if you wanna have a nice sightseeing, you may use car. if you wanna rest, you may choose bus. if you're in rush, plane is the best choice for you.

so goes with investment. you have to set your target before investing. for retirement? or for children's education? or to buy a car by next year? those target have to go through different investment vehicles.

the next point is your time and effort. of course you don't have to knock everydoor to collect your earnings but the effort here includes your studies, your knowledge, and what you do to provide you with knowledge to invest.

knowledge=simple. where does the money come from? what is the concept? and the most important is the CONCEPT OF INVESTMENT ITSELF!

if someone comes and offers you an 'investment' scheme that will guarantee return of 300% in a year, what would you do? and he shows the evident that many people became rich via the scheme. would you? i believe that 45% will say yes. this is totally ridiculous.

even if the evident is there but please.. please.. please.. if you don't know where the money comes, find another thing lah. it's like you wanna go to KL from KB by bas ulat.

more HYIP guidelines

1. knowledge!
it is very important for you to get knowledge about HYIP industry before you make decision to invest. get the key point of HYIP! if you don't even know what the acronym is, you better do something else. jual goreng pisang ke...

2. ask yourself WHY!
why do you need to invest in HYIP? financial problem? or just wanna get more? you just have 2 possibilities : get richer or loss all your money. so ask yourself why. if you wanna gamble, so you go...

3. check the rule!
always read the term & condition for withdrawal. could it be... 'you are not able to withdraw if your money is not reaching USD$12million'?

4. diversify!
invest in many. if one program is closed, you still have another back-up.

5. think about your financial situation!
never invest if you don't have any other money. don't gamble!

6. research! research! research!
don't just simply believe in what others say... do your research. you know, make sure the admin is truly exist..

7. are you a gambler?
sometimes it is. in 100 HYIPs, 99 are scams. if you able to find the only 1, you MAYBE safe. but with the other 99 you know, it's about luck.

if someone comes to borrow your money for HYIP investment, BETTER BE STINGY! than gambling your hard-earned money...

HYIP : a basic guideline

High Yield Investment Program. can be offline or online. but now online one is having its boom. everyone's talking about online investment. name it, you'll get hundred pages of website offers this kind of investment. 90% or more or them are ponzi scheme that call themselves HYIPs.

ponzi scheme's founder, charles k ponzi claimed it as an investment opportunity which relies on new investments to pay off the older ones. those whom invest first are thus paid their returns from those who invest after them, leaving the last investors the ones who lose out. many HYIPs who claim to be trading, investing, etc are really only running a ponzi scheme.

how to consider a HYIP is a real HYIP or a scam?
i just give you some basic ideas which only you could think about.

1. check the admin's personal data
can be checked thru 'whois'. if you find something fishy, could you just believe the scheme? should an honest admin hide his personal data? if the information sounds correct (complete with address & phone number) make a call to ensure it is really his or maybe somewhere else, an asylum maybe? or you may just check whether the phone number is belong to that particular place. office in US, but the phone number is UK? isn't that funny?

2. contact!
it is important to ensure that the admin is really exist and responsive. hey, what you're gonna invest is not a small buck, are you a gambler or an investor???

3. legal copy of script
if the admin is really serious about the business, they should pay some amount to develop the homepage rather and downloading free/cheap script from kazaa or morpheus or etc.

4. check graphic and language
graphic must looks 'expensive' and no spelling/phrase mistakes in its term and condition, etc. hey, if he is really serious he should able to pay some for the language check!

5. the program's age
HYIP lifecycle is not long. if you are among the first investor ('joining' at the first year of launching), there is probability for you to stay longer in the program.

HYIP really works. many people make profit from HYIP. but please, follow the guideline before you listen to your friend even if he is now a HYIP millionaire.