The Forex Industry

The Foreign Exchange (Forex) is the trading of one currency for another. The FX market is the largest financial market in the world. It is estimated that 1.5 trillion in dollar value is traded per day worldwide. Approximately 5,000 banks, both central and private participate in the FX market worldwide. Other participants include Hedgers (people who play both sides of the market to protect their product traveling from one country to another) and speculators who trade to earn a profit.

The Forex market is essential to the global economy, and it was once the exclusive preserve of national (government) central banks, and the largest commercial and investment firms. In 1997 it was deregulated, which opened the doors for money brokers, registered dealers and speculators.

Compared to trading stocks, bonds, or commodity futures, the FX market has some huge advantages:
1.FX trading is performed electronically 24 hours per day between networks of banks. It is not bound to a specific trading floor such as the New York Stock Exchange or the Chicago Mercantile Exchange.
2.FX trading is much larger and more liquid, which means faster and better order execution. It is so large in fact that all the bond markets, stock markets, commodities and futures markets worldwide combined would have to operate for a period of three months to produce the volume in dollars traded on the Forex in only one day.
3.Fewer trade-able to learn. There are 4 dominant currency pairs (3 that are recommended) compared to 72 commodities and 7,800 stocks and bonds.
4.Equal profit potential in up and down markets.
5.Manipulation against the small trader is not possible.
6.Pure technical analysis works best. No fundamental rules or insider tips needed.
7.Best trending market in the world (trends over 70% of the time).
8.Less amount money needed to start and maintain a trading account.
9.Greater leverage (100 to1)
10.The FX market has no expiring contracts, forward exposure, slips, clearing fees or commissions.

All that is needed to get started is a computer, Internet, a little bit of trading money ($300, which you can put in later after building your confidence on a demo account), a passion to learn and good instruction. I provide the instruction you provide the rest.

More general Forex trading info:
1.Liquidity- (3.5 trillion is traded per day = over 30 times bigger then the stock market), the market is liquid 24 hours a day, which turns casual traders into active traders.
2.Execution Quality-Fills average less than 2 seconds and Guarantee that the price you see is the price you get.
3.Commission Free Trading - Since traders deal directly with the Market maker there is no commission charged.
4.Reporting/Back office capabilities- the platform reflects p/l in real time and allows traders to run full reports with the click of a mouse
5.Risk Management - the platform has an automatic margin call feature and guarantees that accounts will never go negative.
6.For the first time in his trading history Warren Buffet has entered the currency market (he started in 2002, and recently has put over 1 billion more in). If that is where the smart money is going, that's where we should go.

Traits of Successful Forex Traders

Forex trading is not for everyone. There are a lot of variables to take into account, and there is always the risk of losing money. Some people just aren't cut out for it. If you are considering becoming a forex trader, you'll want to read this article carefully. It contains the traits that set successful traders apart from those who fail. If you don't possess most or all of these qualities forex trading may not be for you;

Discipline
Successful traders formulate a trading system that works and stick with it. They don't try to trade "on the fly".

The ability to accept risk
Despite what many will tell you, forex trading is not without risk. You can lose money by trading, and you must be willing to accept this risk.

The ability to accept failure
Even the best traders in the world lose money on some of their trades. It's the nature of the beast. But the difference between them and average traders is that they don't focus on their failure. They accept it, learn from it, and move on.

Confidence
Successful traders have confidence in their knowledge and in their ability to make winning trades. They don't doubt or second-guess their trades.

The ability to accept being wrong
Hey, no one is perfect. You're going to make mistakes and there will be times when your analysis will be way off. Don't stubbornly stay in trades gone bad just because you refuse to admit being wrong. Cut your losses and look for the next opportunity to make it up.

Patience
Smart traders follow their system and wait for good opportunities to present themselves. It's not necessary to have positions open at all times. You may go a day or two without any trades being made. Don't trade just for the sake of trading. You'll jump into many more bad trades than good ones.

Knowing when to get out
The key to trading is not ‘just knowing’ when to get in, you need to know when to get out. Many a trader has gotten greedy and stayed in a trade too long only to see their profits wiped out by a sudden downtrend. When your trading system tells you to get out, listen to it.

Know your financial limitations
Don't over-leverage yourself, and don't trade with money you need to pay your mortgage. If you do you'll risk ending up on the street. Only trade with money that you can live without. If this means starting small with only a few
hundred dollars, so be it.

The Benefits of Forex Trading

With the advent of the Internet, anyone can reap the benefits of Forex Trading.

Forex Trading is the trading of world currencies, open twenty-four hours a day except for the weekend. Beginning in Australia and continuing around the globe as the markets open up, an individual trading in currencies can use the latest news to help determine which currencies will rise or fall.

You can also trade currencies when your schedule permits. Trading in currencies is the ultimate liquid market, with volume often 50 to 100 times greater than the trading of stocks on the New York Exchange. Because of the nature of currencies and the multiple factors controlling its value, no one has an overriding advantage or insight into the market.

Insider trading is nonexistent in Forex Trading, and with Forex Trading you
don’t have to worry about price gaps. You can decide when to sell or buy. Also, because of high volatility in the currency market, traders often earn five times more than in trading liquid shares.

Forex Trading generates a volatility of 500 versus 60 to 100 in liquid stocks and there are no transaction fees or commissions in the trading of currencies.
Because of the efficiency of trading currencies, slippage costs are virtually non-existent.

An individual wishing to trade in currencies does not need a large amount of money to invest. This is an ideal investment opportunity for the investor with a small amount of cash.

One of the great advantages of Forex Trading is that you can buy currencies when they are being devaluated, thus making a profit when it gains ground. When a stock is falling, the only way to ensure a profit is to sell.

I hope the above helps you see the POWER of trading in the Forex Market.

Forex Trading versus Other Investments

There are many advantages to Forex trading over other types of investments.

While regular stock markets are open during business hours, the Forex market is open 24 hours a day. Trading cycles run around the world as financial markets open, starting in Australia then Tokyo, London and New York.

With most investments a large amount of capital is needed. However, with Forex, you can begin trading for as little as $300 USD. With this amount anyone can enter the market and begin trading a "mini account.

The Forex is a very liquid market. When trading Forex you have full control of your capital and it does not get tied up for long periods as it can with many other types of investments. Forex trading possesses unlimited earnings potential. With a daily trading volume of over 1.5 trillion, The Forex market is the largest in the world. Forex traders can make a profit during up trends and downtrends and profit in either bullish or bearish market conditions.

Since each market is one currency against another, when you buy one you are selling another. This way it doesn’t matter whether the market is moving up or down as long as you choose correctly. With some knowledge of Forex you can accurately predict the outcomes. Since currency prices generally repeat themselves in predictable cycles so you can see what the trends are.

Technical Analysis can be used to help see these trends and profit from them.

Market transparency is another advantage in Forex trading. You can manage risk and execute orders within seconds. It’s highly efficient and allows you to avoid unexpected surprises.

With a computer, you can trade the Forex market anywhere, especially with sites that provide in-depth coverage of the Forex market.

Until next time, trade well and prosper.

Theft of E-Gold - the perfect crime

Earlier this month I bought £140 of E-gold; I made a few spends but when I logged into my account a few hours later the rest was gone, a character named zhou, account 2914702, had siphoned it off.

I contacted E-Gold and they put a block on his account, which means that he can't receive any more funds, although he can still spend his ill-gotten gains.

The long reply I received from them was ultimately unhelpful; they seemed to treat this as a civil matter rather than a crime and told me they couldn't disclose any information about him without a warrant; I was advised to contact my local police. I contacted the national police fraud alert who referred me to local police; the latter ignored my faxes after my phone calls were cut off. Eventually I managed to make proper contact and after speaking to a WPC and a detective I was told the British police had no jurisdiction and was advised to contact the British "Embassy" ie High Commission in Bermuda. As E-Gold is based in Bermuda the crime was committed there.

The following information was given me by E-Gold

The spend was made from ip address '69.143.136.149' on 2006-06-02 @
08:27:36.000 (this is in EDT)
The automation was enabled from ip address '86.144.184.151' on 2006-06-01
11:39:32.000 (this is in GMT)
The AccSent security was disabled from ip address '86.144.184.151' on
2006-06-01 11:39:32.000 (also in GMT)

It appears that a public computer I used had been infected with some sort of E-gold Trojan or virus and this allowed zhou to hack my account.

I've been told I have no claim against E-Gold, and have little chance of this crime being investigated properly and even less of getting my money back.

Anyone using E-gold, please don't use public computers; use your own machine and only that, and make sure it is clean.

I didn't really care about security before. I thought that everything was okay. I mean, I had Norman anti virus and no virus really harmed me before so I thought nothing can happen to me. Later on I lost 60$ because of a hacker.

When I logged into e-gold one day the normal screen didn't come up, and instead some ‘turing’ numbers showed up once more. I wrote them and when I eventually came to my account it took a few minutes and then it was empty left with a few cents. The virus checks out if you write "e-gold.com" and when you do, and log in to e-gold it opens a hidden window that you can't see. Then it simply sends money from your account and over to the hackers account!
So be aware of this and NEVER use internet explorer, that’s where this happened, I couldn't find the virus so I reinstalled my entire software just to get rid of it. Unlucky there is nothing to do about money lost with e-gold as they won't allow chargeback.

There is a "virus" that infects your computer when visiting infected websites in internet explorer. Then the virus open an invisible screen the next time you open e-gold.com, and make a fraud payment to the scammers account. In this way there is no need to either have your IP or e-mail. They won't even need your e-gold password or account number. The hacker will see payments going in to their e-gold account. And when their account get's limited they easily create a new one. (I do not guarantee this is EXACTLY how it works, but something very close to it).

So I have written some tips you can use to make sure this won't happen to you and trust me, you won't regret having security even if it's very boring.

1. Make sure you don't use internet explorer when logging into your e-gold account. Use firefox or another similar browser.
2. Always use SRK (keyboard using mouse), it’s a lot of hassle, but you won't regret!
3. Use long and difficult passwords to remember: 1fj_f5*rice9 for example
4. Have your e-gold security on MAX
5. Use different passwords on e-gold and the e-mail
6. Have one "safe" account and one "risk" account. Use the risk account when making payments and store your gold in the safe account.
7. If you have been infected with the very common virus this days you can try to login to a "fake" e-gold account (in INTERNET EXPLORER ) just login with account for example: 1294904 and use password: ‘idontlikeyou’ and enter correct turing numbers. If you have been infected the turing number will show up once more on a page with nothing else. If you are infected there is no other way than to reinstall your computer, that is, if you can't find the virus.
8. To be on the very safe side I would recommend you to use another computer or a virtual computer (WMware) when login into your safe account.
9. Make sure you have entered e-gold.com and nothing else. Bookmark it to your favorites.
10. Never click links in emails from egold.
11. Never open mails you don't know.
12. The chances of being hacked are real 24 hours. I hope this can help you not to get hacked, but as a final rule.

Never store more gold than you can afford to lose!

20 Timeless Money Rules
Money Magazine collected the best advice from some of the smartest investors (and other people) who have ever lived.

1. Be humble
When you do not know a thing, to allow that you do not know it--this is knowledge.
--Confucius

Investing is a big bet on an unknowable future. The mark of wisdom is accepting just how unknowable it is. Granted, that's not easy. Our brains are built to think the future will be like the near past. And we're too ready to act on the predictions of pundits, who are no more clued in than we are about what lies ahead.
Being humble in the face of uncertainty keeps you from costly mistakes. You won't jump on yesterday's bandwagon. And before you invest, you'll be more likely to ask a key question: "What if I'm wrong?"

2. Take calculated risks
He that is overcautious will accomplish little.
--Friedrich von Schiller

The returns you get are proportionate to the risk you take. This is a fundamental law of the markets. It's why five-year CDs typically pay more than six-month ones and why you're disappointed if your emerging markets fund does no better than its stodgy blue-chip stablemate. History unequivocally supports this "no free lunch" principle. Going back to 1926, stocks (high risk) have paid more than government bonds (medium risk), which in turn have beaten low-risk Treasury bills.
Among many, many other things, this law suggests:
• To earn returns high enough to build true wealth, you have to put some of your money in risky assets like stocks--the only investment to handily beat inflation over time.
• If a financial salesperson tries to tell you his product offers a high return with no risk, get that claim in writing. Then send it and his business card to the SEC.

3. Have an emergency fund
For age and want, save while you may; no morning sun lasts a whole day.
--Benjamin Franklin

The first step in constructing any serious financial plan is to create an emergency cash fund--ideally, three to six months' living expenses--stashed in a low-cost ultrasafe bank account or money-market fund. Without this financial cushion, any unexpected expense can derail your long-term plans.
These days, happily, that emergency stash won't just sit idle. Top bank accounts like the one at UFB Direct (888-580-0049) and perennially competitive money funds like Vanguard Prime (800-851-4999) now pay more than 5%.

4. Mix it up
It is the part of a wise man to keep himself today for tomorrow and not to venture all his eggs in one basket.
--Miguel de Cervantes

Nothing can break the law of risk and reward, but a diversified portfolio can bend it. When you spread your money properly among different asset types, a rise in some will offset a fall in others, muting your overall risk without a commensurate drop in return. It's the closest thing to a free lunch there is in investing. To make the alchemy work, you must load up on assets whose up and down cycles don't run in sync: stocks (both U.S. and foreign, as well as large-company and small), bonds (of varying maturities), cash, real estate and commodities.

5. It's the portfolio, stupid
Asset allocation...is the overwhelmingly dominant contributor to total return.
--Gary Brinson, Brian Singer and Gilbert Beebower

Most investors concentrate on trying to choose the best stock and pick the perfect moment to buy or sell. It's a waste. What really matters to your long-term returns is asset allocation--that is, how you split up your portfolio.
Since researchers dropped this bombshell 20 years ago, experts have debated the size of the asset-allocation factor. Some say it accounts for 40% of the variation in investors' returns; others (like the original researchers) say 90%. But no one refutes that it's major.

6. Average is the new best
The best way to own common stocks is through an index fund.
--Warren Buffett

Here's the logic behind index funds, which aim simply to match the return of a market index: The average fund in any market will always earn that market's return (because in aggregate investors are the market) minus expenses. Since index funds match the market but have much smaller expenses than other funds, they will always beat the average fund in the long run. It's hard to argue with the math, and history bears it out (see the performance stat at right). Besides, if the Greatest Investor of Our Time believes that index funds are superior for most investors, shouldn't you?

7. Practice patience
It never was my thinking that made the big money for me. It was always my sitting. Got that? My sitting tight!
--Edwin Lefevre

This blunt warning was issued in Lefevre's 1923 fictional memoir, reportedly based on legendary trader Jesse Livermore and treated by many financial advisers like the Bible. Some 77 years later, behavioral finance professors Terrance Odean and Brad Barber's research into transactions by some 66,000 households between 1991 and 1996 found that those who traded least earned seven percentage points a year more than the most frequent traders. Moral: Once you arrange your assets into your ideal allocation, don't tinker. Rebalance once a year to keep your mix on track, but otherwise, listen to Livermore and sit tight.

8. Don't time the market
The real key to making money in stocks is not to get scared out of them.
--Peter Lynch

It would be so nice, wouldn't it, to sell before every market downdraft and then get back in just as the good times roll again. But it's too hard to pull off. Nobody knows when markets will turn (see Rule No. 1). And when they do, they tend to move in quick bursts. By the time you realize an advance has begun, most of it's over. Miss that initial stretch and you'll miss out on most of the gains. The lesson: The surest way to investing success is to buy, then stick to your guns.

9. Be a cheapskate
Performance comes and goes, but costs roll on forever.
--Jack Bogle

If you choose a fund that eats up 1.5% a year in expenses over one that costs 1% (let alone the 0.2% that index funds may charge), your fund's return will have to beat the other's by half a point a year just for you to come out even. Past returns are no guarantee of the future, but today's low-cost funds are likely to stay low cost. Buying them is the only sure way of giving yourself a leg up.

10. Don't follow the crowd
Fashion is made to become unfashionable.
--Coco Chanel

Or, as the legendary financier Sir James Goldsmith has said, "If you see a bandwagon, it's too late."
In the late 1990s, there was no more fashionable bandwagon for investors than Firsthand Technology Value fund. It returned 23.7% in 1998, but investors really piled into it after it rocketed an incredible 190.4% in 1999. But by then, the bust of 2000 was about to unfold, and Firsthand was soon to become as passé as plaid trousers. The result was a chilling example of the perils of following the herd: While the fund posted a respectable 16% annualized gain over the four years through 2001, the average shareholder in the fund actually lost more than 31.6% a year.

11. Buy low
If a business is worth a dollar and I can buy it for 40 cents, something good may happen to me.
--Warren Buffett

The best Dow stocks of the past 10 years don't include Microsoft or Intel. But Caterpillar (Cat) makes the cut with a 212% return. In 1997, in the midst of tech madness, the market was so bored by the company's industrial-machinery business that investors paid just $11.50 for each dollar of earnings. If the stock's current value of 16.1 times earnings is right, that's nearly a 30% discount. Smart investors didn't need to foresee the coming construction boom. They only needed to call a bargain a bargain and trust the market to eventually wise up.

12. Invest abroad
The World is a book, and those who do not travel read only a page.
--St. Augustine

Over the 10 years through 2006, a portfolio split 80%-20% between U.S. and international large-cap stocks would have returned an average 8.4% a year, roughly the same as a portfolio invested 100% in domestic stocks. But because U.S. and foreign markets partially offset one another's ups and downs, the global portfolio was 4% less risky than the all-American (see Rule No. 4). Most Americans have less money in foreign funds than the 15% to 25% experts recommend. But you don't have to be like most Americans.

13. Keep perspective
There is nothing new in the world except the history you do not know.
--Harry Truman

When the Dow sheds 300 points in a day, it's natural to feel doomed. And when the market surges, it's easy to be convinced that stocks have entered "a new paradigm," to echo a bubble-era phrase. Don't delude yourself. As Sir John Templeton notes, "The four most expensive words in the English language are, `This time it's different.' "
To keep your perspective, remember:
• In every bull market since 1970, stocks have dropped by 10% or more at least once. Average time to get back to even: 107 days.
• Over time, markets tend to stick close to their long-term trends, called "regression to the mean." Manias and panics never last.

14. Just do it
It takes as much energy to wish as it does to plan.
--Eleanor Roosevelt

Financial planning is an unnatural act. The brain is wired to make us undervalue long-term goals and exaggerate the cost of short-term sacrifice. Yet studies show that people who do even a little retirement planning had twice the savings of those who did almost none. Heed the words attributed to Mrs. Roosevelt by doing the following:
• Set concrete, attainable goals. "I'll pay an extra $100 a month on my credit card" is more likely to succeed than "I'm going to get my act together."
• Then commit. Tell someone your plan and agree to a penalty--you'll do your spouse's chores for a month if you haven't saved $10,000 extra by June.

15. Borrow responsibly
As life closes in on someone who has borrowed far too much money on the strength of far too little income, there are no fire escapes.
--John Kenneth Galbraith

Face this truth: If you let them, lenders are only too willing to advance you more than is good for your family. Mortgage banks and credit-card issuers don't care if your monthly payment makes it impossible for you to sock away money in your 401(k) or fund your kid's 529 plan. You need to set your own rules, including:
• No credit-card debt. Period. It's never okay to pay 15% to borrow for consumption.
• Borrow only to buy assets that appreciate. A home, yes. Education, sure. A vacation, a fancy dinner or even a 50-inch flat-screen TV? No way.

16. Talk to your spouse
In every house of marriage there's room for an interpreter.
--Stanley Kunitz

Your most important financial partner isn't your broker. It's your spouse--you know, the one who probably owns half of all you do and whose fate is inextricably linked with yours. But research shows that spouses often don't agree on even such basic info as their income and savings. Wake-up call: To make smart decisions, you need to talk, and if you're like most couples, to do a better job at it.
• Men: Don't assume she doesn't care about this stuff. She does. But you need to lay off the jargon and speak English.
• Women: Don't just leave it all to him. At a minimum, know where the key papers are and how your money is invested.
• Both: Focus on goals, not on being right. It's not a contest.

17. Exit gracefully
Only put off until tomorrow what you are willing to die having left undone.
--Pablo Picasso

Despite the words he reportedly uttered, Picasso was willing to die without planning his estate. It took years for his heirs to reach a settlement with French authorities. Although you may not have masterpieces to bequeath, you have no excuse not to take elementary steps to make life easier on those you'd leave behind. Covering the basics shouldn't cost more than $1,500.
To find a lawyer, ask friends and colleagues for recommendations or get referrals online at the website of the American Academy of Estate Planning Attorneys. For tips on dividing emotion-laden personal belongings--more often the flash point for family tension than money or big-ticket items--check out the website Who Gets Grandma's Yellow Pie Plate?

18. Pay only your share
The avoidance of taxes is the only intellectual pursuit that carries any reward.
--John Maynard Keynes

It's all well and good to put time into choosing the right investments. But being conscious of taxes puts money in your pocket too (at least it keeps it from being taken from your pocket, which amounts to the same thing), and the payoff is swift, certain and there for the taking. So take full advantage of tax-deferred benefits at work, like 401(k)s and flexible spending accounts. Stick with tax-efficient investments like index funds. And claim every deduction you're entitled to. According to the Government Accountability Office, taxpayers who could itemize but chose not to ended up overpaying by $450. Don't be one of them.

19. Give wisely
The time is always right to do the right thing.
--Martin Luther King Jr.

Granted, Dr. King did not have money on his mind when he spoke these words. But they also ring true in your financial life, since giving back is always the right thing. Still, there are more right and less right ways to do it.
• Look beyond the headlines. It's fine to give money to disasters like the tsunami, but don't forget about smaller charities that go wanting.
• Don't give over the phone. Telemarketers often take a cut of 50% or more.
• Focus. Identify a cause that really speaks to you. Then devote most of your energy and charitable dollars to the organizations that best support it.

20. Keep money in its place
A wise man should have money in his head, but not in his heart.
--Jonathan Swift

People who say they value money highly report that they are less happy in life than those who care more about love and friends. Enough said.

Harness the Power of Compounding - Get Rich--Slow & Easy

Probably the most important thing you need to know about building wealth is the power of making regular periodic investments and reinvesting rather than spending the profits. The results you would get following this discipline are surprising. Say you start with nothing, but decide to put $500 of your income into an investment account every month, and you commit to letting your money ride. That means you cannot withdraw any funds until you have reached your long-term goal. The overall market, at least as measured by the S&P 500 index, returned 11.8%, on average, annually over the past 10 years. If you achieve that same return, you would have $114,000 after 10 years. But it gets better. You’ll have $486,000 if you stick with the plan for 20 years and a cool $1.7 million in 30 years. The process I’m describing is a combination of two powerful investing strategies: compounding and dollar-cost averaging.

Compounding is simply reinvesting rather than spending your profits where by doing that you will capture the future returns on your reinvested profits as well as on your original investments.

Dollar-cost averaging means that the fixed monthly investment buys more shares of a mutual fund or stock when prices are low, and fewer shares when prices are high. For instance, if you were investing $500, you would get 10 shares if a stock were trading at $50, but roughly 12 shares if it dropped to $42.

Discipline Required - The hardest part of implementing these strategies is making the regular monthly investments. It’s easy to procrastinate adding to your account if the market is down or if you could use the cash for something else. The best way to make sure that the regular investments happen is to set up an account with a broker or mutual fund that automatically deducts a fixed amount from your bank account every month. While you could do it with stocks, the easiest way to implement the strategy is with a portfolio of well-chosen mutual funds that are likely to produce returns at least ‘even’ with the market, and if you’re lucky, ‘beat’ the market. A little goes a long way in that department. For example, starting from zero, if you managed a 14 percent average annual return instead of 11.8 percent, you’d have $2.8 million after 30 years instead of the $1.7 million I mentioned earlier. Once you’ve selected your fund portfolio, buy equal dollar amounts of each fund. Then add to each fund equally every month. Periodically you’ll have to replace some funds that have gone bad, but be sure to avoid the temptation to take money out of your portfolio in the process.

The Seven Deadly Scams

Anyone coming to the Internet in search of a job or a legitimate opportunity to make money online is at risk of being snared by a scam program. Falling for an online scam can happen to anyone; you don't need to be especially gullible to get taken in by a scam masquerading as a genuine money making opportunity.

The Internet does not come with a map and there are no signposts. You have to learn to find your way around picking up tips where you can. I don't mind admitting to falling for a couple of make money scams when I was searching for work online and it was only through luck that I avoided losing loads of cash. These are my nominations for the seven deadliest make money scams to be found online:

1. Money Doublers

These were all over the Internet a couple of years ago. They disappeared suddenly but are now sneaking back online and some of them are attempting to disguise themselves as home business opportunities. They are definitely not business opportunities unless you want to make it your business to lose money.

2. Chain Emails

These are just the old fashioned chain letters updated to email. The only person who gets anything out of this scam is the person who starts the chain. If you get one of these emails, it will almost certainly contain an assurance that the scheme is perfectly legal. It isn't, and if you take part in one of these scams, you could find yourself being prosecuted for fraud.

3. Get Paid to Autosurf

At one time it was possible to make money from get paid to autosurf programs. The whole get paid to surf industry collapsed suddenly when the owners of a payment processing program (not PayPal, I hasten to add) stole millions of dollars of members' money. Paid surfing was once a low risk way to make money, it is now a high-risk gamble because crooks have moved in; the only winners are the autosurf owners.

4. Email Processing

This is one online money making scam that actually looks like a legitimate way to earn money. The programs require you to place advertisements online. When an enquiry is received, you copy/paste and send information by email. This seemed so innocent that I almost got sucked in. Right at the last minute, I suddenly realised no legitimate company would pay me a good rate to process emails when they could use an autoresponder to do the same job faster and for a fraction of the cost.

5. High Yield Investment Programs (HYIP)

These programs pull in members because they promise huge returns on investments and will accept deposits of very small sums. The explanation of how this can be achieved is that, by pooling all investments, the money can be invested in places that are not accessible to the small investor. Great idea, but there's a snag in that the owners of many of these programs have no intention of investing the money for you, they just take your money and vanish.

6. The Advance Fee Scam

The scam starts with receipt of an email from somebody in another country. The sender will inform you that he is seeking a trustworthy foreign person into whose account he can deposit millions of dollars and will pay you a high percentage of the money in return for use of your bank account. Once they have you hooked, they will tell you that an unexpected expense must be paid to facilitate the transfer of the money and they request an advance payment from you. Needless to say, the only payment changing hands here will be the one you make to them.

7. Any Program Relying on A Matrix

If you see a money making program advertising a matrix and not much else, it is probably a scam. The programs to beware of are the ones where there is no recognisable product involved, unrealistically high returns are promised, little or no effort is required and the matrix is the main feature mentioned. Never mind if they promise the matrix will be compressed, flipped, turned inside out or otherwise manipulated, it will be a scam.

There are legitimate ways to make money online and, as long as you are alert to the existence of scams, you can earn a good living on the Internet without commuting or answering to a boss.

FINANCIAL FREEDOM - WHAT IS IT?

Financial freedom is a buzzword for our generation. It is the pursuit of literally millions of people. So what is it? Is it that elusive? Can anyone achieve it?

Let me start by saying that this is not about how to earn money, or even more money. Rather, it is about how to find financial freedom, which surprisingly, may or may not involve making more money.

The first step in finding financial freedom is to realize that financial freedom has absolutely nothing to do with how much money you have or make. Financial freedom is something that goes on inside of you.

This is why someone who makes very little can be happy and someone who makes a ton can be extremely stressed out over his or her financial situation. Hence, it is best to realize that financial freedom is more about our attitudes toward money, than about the amount of money itself.

Here are a few that keep me in financial freedom.

I do not have to worry about money. I used to catch myself saying, "If I had more money, then I wouldn't have to worry about..." But do you know what? I don't have to worry anyway. I can control my income. I can control my cash outflow. I can make choices that can alleviate any of my worries. I also realized that things always work out. So why worry? I choose not to worry. I work hard, invest, plan for the future and I do not worry about it.

I can be happy regardless of my financial state. I know people who are worth hundreds of millions of dollars and I know people who don't have two nickels to rub together. Some are happy and some aren't. And none of the people who have a lot of money say to me that they are so happy since they have money. They were happy before they had money and they are happy now that they have money. Their happiness has nothing to do with the money. Billionaire David Geffen once said, "Anyone who says that money will buy them happiness has never had any money."

Money is a means to an end, not the end itself. Another way to look at it is that money is a tool to build the house, not the house itself. I would set some financial goals if I were you, but go beyond that to know what greater purpose there will be when you reach them. What will the house be used for that you build with this tool?

I am free.
I am free to earn - some people think it is bad to earn more money. It isn't.
I am free to save - some people believe it is bad to save. It isn't.
I am free to give money away - some people feel they will be better off hoarding it. They won't.
I am free to spend - some people believe that they can't spend anything on themselves. They can.
We are free to make choices. That is financial freedom.

Embrace delayed gratification. Here is the principle: Buy it now and struggle later. Another principle: Delay buying it now, invest the money and have all you want later on! And you won't even have to touch the principal! We tend to think that having it now will bring enjoyment, but unless you can do it and not cause yourself financial stress, you will actually get more from waiting!

Have more by managing better. The fact is that most of us earn enough. What would be beneficial is to set our priorities and live by a budget. As we get control, our budget will loosen up a bit and we will find ourselves enjoying it more. Money that is already there can be your answer if you put it to work for you.

You can experience financial freedom no matter how much money you have. Granted, it is great to build wealth and that should be our goal, but no matter what level you are currently at, or what level of wealth you ultimately attain, if you keep money in the proper perspective, you can be happy and free.


Questions for Reflection:

Q. Do you have an investment plan? Do you follow it? How well?

Q. Do you have a plan to invest in hard assets, income-producing assets?

Q. What ideas do you have that you can invest in?

Q. Are you investing in your company, if yes, how? If you don't have one, have you considered starting one? What would it take for you to step out and do so?

Note: Take some time and put some thought into your Financial Freedom plan, then take the action necessary to accomplish your Freedom!

_________________
HAMIDON
Egeneration Representative, MALAYSIA.

hamidon@egeneration.biz
+6017-2354285

THANK YOU PAK LAH

THANK YOU PAK LAH

Thank you for writing to me, and I have to stress that unless you are a financial expert, you do not need to 'actually get involved' in the details of FOREX trading. Its fine to know what is FOREX, its general knowledge, at least you know why and how your investment/s yields returns or losses. A much simpler way to generate a steady income out of FOREX is through making investments into HIGH-YIELD INVESTMENT PROGRAMS (OR HYIPs for short.) Admins of HYIPs does the forex-trading for non-financial expert investors, and it is up to individual investor to decide how much returns is desired, especially on which HYIP to chose, how much to invest, which program to select from an array of offers, what due diligence exercise is required, so on and so forth.

It is not quite as rosy as mentioned in my FOREX VIDEO presentations, as FOREX do suffer losses, despite graphical representations showing identical and reciprocal ups and downs of currency pairs that supposedly nullify or cancel-out each other. It is mentioned that the ups or downs of the Base Prices is harmless, and investors will continue to make profits! Well, that is NOT TRUE! If that's the case, everybody will stop doing whatever and jumps into FOREX, since FOREX is a sure gain/profit for all. Forex traders do make losses and even wind-up their businesses - depending on the risk-level taken/opted in any chosen investments. High-yield means High Risks, so it goes, and money can be made or loss, as a result. As for me - pick the REAL PAYING HYIPs, deposit your money, take your daily, weekly, or monthly profits - and continue with life. No hassle, no nothing. How do you do that, you may ask - I will certainly share with you.

As a point to note, I am NOT 'all knowing and/or all-seeing.' Knowledge can be shared, harnessed from amongst us, streamlined to suit our individual tastes and preferences, and after exercising some careful due diligence - we may see each other at the top - pinnacle of financial freedom and success.

Pak Lah, ADD ME to your messenger ----> hamidon@hotmail.com and we can discuss more investment details – about HYIPs, E-gold, Deposits, ROI's, and most important is to know on WHERE TO INVEST and CONTINUOUSLY MAKE MONEY!

Again, thank you for writing to me and please view MY PREFERRED HYIP listed in my humble blog at http://hamidonramudin.blogspot.com AND do click on the banners at the bottom of my blog mainpage to view interesting HYIPs with interesting offers.

REMEMBER: ONLY PAYING HYIPS ARE LISTED. MAKE YOUR CHOICE.


Hamidon Ramudin
Kuala Lumpur
MALAYSIA.

HYIP or HYGP

HYIP's (High Yield Investment Programs) OR HYGP's (High Yield Gambling Programs).

I also prefer the latter for the fact that 9 out of 10 programs online these days are not in actual fact "Investments" although some people consider them to be because they expect to see some sort of return back on their spends/deposits made into these income revenue streams. This type of wrong thinking is part of the added risks people create because they do not know what they are getting themselves into. I'll explain more on this a little later.

You'll be very lucky to find such programs who claimed that they are Investment driven, i.e., from outside sources. And if you do find one, I'll bet your bottom dollar you will not find one that either will last, or pays the amounts between 5-20% per week and keep paying, anything less, sure, it's possible, but I wouldn't back my house keys on it. It has been known for some of these types of programs who pay more than 5% per week to last years. I've personally been in programs that paid between 5-50% per week and lasted for over 3yrs, but they are very rare to come across.

When you're confronted by another to join HYIP's, try not to be greedy and lose control of your emotions thinking that you've found something that will set you for life financially. Look for programs that pay between 1-3% per day, or per week and have lots of members. When viewing a Web site you'll need to be made aware of the Web site design, i.e., one that has a modern look and feel to it, and not one that looks like a template bought for $20.00.

Back in the days, many program administrators didn't purchase Web site space from Web Host providers. They used free hosting from places like Yahoo's GeoCities web space. These were very popular for many years until the roaches came in from cracks of the internet-walls and started scamming people, so Yahoo's GeoCities stormed in and locked things down tight and changed the way for people using GeoCities for personal use. However, even still to this very day, people use Yahoogroups to conduct Money Making Opportunities. You see, this is where most of it all started. Mailing lists like; Delphi, Yahoogroups, MSN Groups, and any other free type of mailing public list. It wasn't before long this trend whittled to down nothing and people were looking for somewhat more secure methods of participating in the HYIP/HYGP Arena so these operators could be traced because monitoring a person's ISP (Internet Service Provider) Address just didn't cut it. Most if not all are ponzi's, i.e. the money that comes in from the last person pays the first person who entered the program. There is a fine line here and somewhat ironic thinking behind the people who complain when these programs run out of money to pay other members. When some find out they're in a Ponzi, they don't care for as long as it pays.

First, you have the laws in certain countries that prohibit you from operating these type of income revenue vehicles, the ironic part is the National Lottery, Tax, Scratch Cards, Casino's, etc, are all PONZI's. It's okay for the Government to operate or pass on the green light for people to operate these, providing they receive a slice of the action. It's a kind of two faced way of looking at it, one rule for one and another for someone else.

You see, the Internet is not regulated by any law on this planet, the Internet is too large and it will take many 10's of years before a regulatory body steps in to control over one billion internet users which is increasing by over 50,000 Internet users per day. At this current time there is approximately 907,309,130 computers connected to the internet, you can imagine the nightmare it would be to control every single person. But having said this, it's not illegal to take part. I say this because no one on this God's green earth can control how you spend your money.

As time moved on, people who operated such programs were looking for ways to get the SEC, FBI, etc off their backs. Low and behold, it didn't take long before a new trend emerged that put life into these programs by means of gathering more people to take part as those who joined before hand, and still continue to this very day, backed off due to the paper pushers placing pressure on the operators of such programs, which resulted in many innocent members, and operators losing money because of being closed down or members didn't take part any more, they all cashed in leaving the pot dry and empty - this, unfortunately is a trend that will never die, "Hit and Runners".

This is one of the elements of risks that many of us face and worry about when taking part in these programs. And this is one of the most important things to do - adopt a spending strategy in every single program you join whether it's popular or not. And do not let others influence your choices, no matter how well you know them or knowledgeable they come across to you in idle forum posts, have your own piece of mind and think for yourself.

Secondly, you have these people who have nothing else better to do with their time and just like to complain, I guess you could say they're a bit like Phil Hellmuth (9 time winner of the Worlds Largest Poker Tournaments) who hates to lose and is never satisfied (just kidding). I'm sure he doesn't go to the lengths that I've seen some of these people go to in the HYIP/HYGP Arena. I've seen countless nuisance makers causing trouble for everyone in these programs placing each and everyone's money at more risk; again, the ironic part is they were a member of that program they are complaining about. They go on and on how it was a "ponzi scam" - funny how they never said anything before hand when they made a deposit to intentionally profit from it. Sincerely, these people are just crazy and don't know what on earth they are talking about or care about the harm they cause upon others. When you see people of this type who start complaining, it's time to start monitoring that program with hawk eyes, you'll be surprised what damage they can do.

These people are so uneducated on how the HYIP/HYGP Arena works, it makes me wonder how they managed to work out how to turn on the PC and connect to the Internet. You can be sure that these people are either one way minded and think that the world owes them something or they're just a newbie letting off some steam.
As I say, try to be careful, and if at all possible try not to take too much notice. And if people reframe from replying to their idiotic posts to discourage people it wont bring any unnecessary attention to a program that is paying regularly, ponzi or not.

But how do you know if they are trying to warn us the program isn't paying?

This shouldn't be hard to work out, if you're not due a payment yet but know of people who are, ask them if they are being paid or have gotten paid. Check the program's Forum; are people complaining, are posts being deleted, is the Admin' replying to the posts, etc?

How can you find out if the program is a Ponzi or not?

This is one of the easiest things to find out. Unfortunately for some or many should I say are bone idle and will not ask the administrators. Many people prefer to ask another member on another forum. In my opinion this is a big No-No as a lot of the information placed on forums is misconstrued.

You're really better off asking the Admin, besides it gives you a good overall feeling of how the administrators work with people, response times to answer a question, etc. So when it comes down to advocating (for a better word) a program with your referral link, it's always good to be sure of what it is before hand. Trust me; you'll get to grips with the HYIP Arena more by seeking the Admin's view, honest or not. Remember, speculation is not a Fact. Get it from the horse's mouth - so to speak. You'll understand more as your experience in this industry grows.

Although those of us feel sorry/guilty for inviting others to an opportunity who may lose, the feeling is different to some extent, but not entirely, if the information you gathered were in fact from the Admin', you'll feel a lot better inside knowing you didn't rely on half ass concocted information from those who speculate for a living - I hope you can see where I'm coming from and not misunderstand me. Some of the information you find out there on forums are also helpful. Separating the bullshit from the truth is the hardest part. If you're a researcher like me, you'll go that one step further to find it and separate yourself from those who lose their money so you stay above the rest, and if you will, share your information so others can profit from it too as we're all in the same boat here looking to keep ones head above water.

Try not to be afraid when wanting to know more information, as I say, ask the Admin. Questions like "How does your program make money?", "Can you back it up with documents how the program makes money", "If not, why?", "Can we see evidence of the reports you claim on your Web site that says you trade into Foreign Currencies and the Stock Exchange", etc, etc.

You see, a lot of Admins will not supply this information. They will come out with some excuse like; "Sorry we are unable to get the reports at this present time", "Sorry, we do not have access to them", "Sorry, but our privacy will be jeopardized if we supplied this information", etc, or they will just plain blank (ignore) you.
And even if they did supply the information, make sure you get that information checked out, if you do not know how to personally do it yourself, ask-me-about it or ask someone else to verify it for you.

The fact is 9 times out of 10 these people do not have sufficient evidence. And they have a lot to hide. Hiding the real truth such as the proper percentages being made while ponzi-ing the rest of the member's money. These people are classed as those who deceive you for what you're worth (or lack of - experience and know how) and at best times avoided. They're basically setting themselves up for a nice nest egg on your funds, once your money runs out they close down the program then make up some excuse, while the money they placed into another income source(s) that wasn't any where near adequate to make the dues out to their member base, they live off. Nasty I know, but it happens.

As mentioned before, try looking for programs that pay 1% - 3% per day for a total of 150% to 200% returns on your deposit; in other words 50% to 100% profit. But I must stress, don't expect to be paid the full amount if you enter the program in the late stages. We normally class a program in its late stage when it's about 3 to 6 months old as these programs do tend to last up to around 9 to 15 months if we're lucky. Do the math before entering the program. If a program pays 1% per day, even on a weekend (that's a big red flag right there, no investment pays on the weekends), work it out. 100 days to receive your money back before you're even in the profit zone with them. Don't go for programs that pay you in one lump of 120% - 200% or more. These do not last, trust me.

HYIP Investment Strategies

HYIP Investment Strategies
Many of HYIP investors plan their own strategies by their experience. Experience makes them know the do's and don'ts of HYIP. Once people get well versed to play in the risky yet lucrative arena, they start multiplying their resources. While there can hardly be any universal strategy for all cases, there are certainly quite a few patterns to be followed. The preliminary step one has to take before investing is to identify the fallacious programs and get rid of them. Then the nature of the program is to be analyzed and then the investor should act accordingly. A few points or strategies worth adopting are listed below.

Frequency of Payouts
Key point to note is the frequency of payouts. Check whether your interest payouts are made on a daily, weekly or monthly basis. If they are made daily, you have got a better chance to have a lucrative sum. Your profit increases day by day with the existence of the program. Don't be in a misconception that a program is more stable if it is paying monthly. Many programs which payout monthly gets doomed within a couple of months and there are archetype programs which makes handful of clams within short durations, to be precise, in few weeks. As far as the influx of new funds is there, the interest is being paid. When it becomes extinct, the program closes and your interests as well.

Program Duration
There is a formula that helps to determine the approximate lifetime of a program.
Lifetime of a Program= [(SD + SH + KR) * (NO + NF + WD + GAR) * (NKI + SKW + SKR) *365] / [((KI / SV) * (KO + RT + 1) * (KS + STR)*100000)]
Where
- SD -- approximate cost of design;
- SH -- cost of hosting;
- KR -- advertisement expenses;
- NKI -- presence of contact information;
- SKW -- compliance of the indicated contact information with the information given by 'whois' service;
- SKR -- compliance of the indicated contact information with the real addresses and phone numbers;
- NF -- presence of forum, quality of its development;
- KO -- number of mistakes in web-sites content;
- RT -- deviations in text (if the content is stolen with different sites or written without giving any consideration, the text will have incompliance);
- KI -- dynamics of growth of investors number during the first week of projects existence;
- SV -- sums of investments;
- WD -- information on business activity the program gets incomes from; subjective evaluation of data adequacy;
- GAR -- presence of guarantees;
- KS -- number of persons engaged in projects maintenance and support;
- STR -- place of projects accommodation;
- NO -- presence of office.

Program duration or age is also a factor that one needs to focus on in order to make the investments fruitful. The situation gets more complicated because even the trustworthy projects fail sometimes. It happens, for example, when program leaders did not manage to promote their program right or played fair on the currency market risking all their funds.

Profit Rates
Investor will incur a huge loss if they are too greedy. Even if you regularly get the program's earnings during several months it is not the reason to mortgage your property or take a credit under unbearable interest. You may find yourself with nothing if you spend your money recklessly. A program which does well today might get closed tomorrow. The well doing of a program is always uncertain. Also, it is a common opinion that, any program which offers above 2% a day would vanish within a matter of days.

One more point worth taking into account is the interest rate being either fixed or variable. Through many years of study, it has been made clear that, programs offering variable interests are more likely to be involved in some actual trading than the ones with fixed interest rates.

Type of Account
Some program facilitates their clients by providing internal accounts. The client needs to submit a withdrawal request in order to get the money transferred to their e-currency account. Normally the case is different. The amount will be sent to the account directly without any internal accounts. The later one is better to choose because, you can identify whether the program actually pays or reports some bogus interests in your internal accounts.

Investment Demarcations
The most popular forms of fraudulence is Ponzi. It's a classical financial pyramid where the profit is generated mainly by attracting investments from new participants. Majority of programs have their minimum investment value as low as $1. Before investing, you must be aware of these kinds of programs which are available in abundance. You should use your sub conscious mind in order to think what such a program can do with such a minuscule investment from investors like you, regardless of number of people. Up to some moment it looks stable as the payments are provided with real money invested into the program by new members. However, the impression is false. At some point there comes the stagnation and new members stop joining the project and the pyramid breaks down. Programs involved in some real business do not accept deposits less than $50 (minimum). It is not that, investors should only invest in programs which requires huge some investments. But, moderate amount, say $100 per program will do.

Precautionary Measures
The following tips will help anyone who needs to invest safely and get an acceptable interest.
- Never invest more than you can afford to loose.
- Don't allow greediness to blind you.
- Check the originality of the program by visiting the site. Be more cautious if the site is free listed and/or copied from other sites.
- Before investing ensure that the program pays directly to your account, because, the programs which maintain internal accounts might report bogus details of your account in their site.
- Never trust HYIP that put fake info in 'whois' database. Invest in those who had passes the DD (Due Diligence) process.

Always have in mind that a program would be a potential scam unless or otherwise, you have a positive reason to support it. Be cautious in such a way that, you get profits from HYIP or else, HYIP will profit from you. Analysis of various risks involved before investing will definitely yield fruitful results.

Make Money with Currency Trading

E-gold Investing: Make Money with Currency Trading
Many people are already starting to pay attention to the newest online trend:
E-gold investing.

E-gold investing is all about a system that allows you to profit from the money that is being traded everyday on the internet. What you're doing when you are trading e-gold (or e-currencies) is that you are providing the backup for internet money. Let me go back a bit. What exactly do I mean by "backup for internet money"?

There is a cashflow of all money that is being moved throughout the internet every day. However, this money has to have a mechanism that ‘for every dollar that is being backed-up,’ a physical backup of that dollar must exist.

This is a very superficial explanation about how the e-gold system works, but to be honest, to profit from it, you don't have to understand exactly how it works to profit from it. If I were to put the e-gold training courses into a metaphor I would say it's very much like driving a car. You don't need to know how it works in order to use it properly.

What you do need to know is the e-gold exchange process and every step of the way. This may sound complex, but once you get to know it, it becomes a daily routine that takes about five minutes just to check up on.

Investing in e-gold is something that I could describe as a great investing strategy, if you are investing in the long run. It isn't as fast as a rising stock in Wall Street, it isn't something that will double your profits in a couple of days, but it is something you can expect to generate a good income from. And the important keyword in that past sentence would be to Expect, because this is a safe long term strategy that is guaranteed to make a profit for you.

This is why I personally think it is plain silly not to learn this currency trading system. You even know how much money you will make each day in advance.
For some it may be tough, but saving a couple of hundred dollars and investing in e-gold can be a very wise decision. As many people have experienced already, it can even turn into a "hands off" second income without the 8 to 5 job.

E-gold is all about discipline. It is about the discipline of having your money work for you and letting it grow, without getting an urge of a shopping spree and taking your money out of your account. If you think you can wait for a few months and are interested in getting a second income, then the e-gold system could be a good fit for you.

FOREX Trading Tips

Six Forex Trading Tips for Newbies
You have decided to be a trader in the forex market, and you have no idea on how to begin. Let's first start by defining what the forex market is and what it does. The term "forex", also known as the foreign exchange is a market for the sale and purchase of all kinds of currencies. It originated in the early 1970's when floating currencies and free exchange rates were first introduced. At this time, the forex market traders were the ones who set the value of one type of currency against another. Nowadays, the market forces determine the value of a currency against another.

One unique aspect of the Forex market is that very little trading qualifications are required of anyone intending to trade therein. Independence from external control ensures that only the market forces influence the currency prices. As the largest financial market, with trades reaching up to 1.5 trillion U.S. dollars, or USD, the money moves so fast, it's impossible for a single investor to substantially affect the price of any major foreign currency. In addition, unlike any stock that is rarely traded, forex traders are able to open and close any positions within seconds, because there are always a number of willing buyers and sellers.

1. The first thing you need to do is open a forex account. You will have to fill an application form which includes a margin agreement stating if the broker will be allowed to intervene with any trade when it appears too risky. Since most trades are done using the broker's money, it is only logical that he protect his interests. However, once you have established an account, you can fund it and begin trading in the forex market.

2. Adopt a trading strategy that has proven to be successful for you. Remember that strategies will work differently for different traders, so don't try to adopt a strategy that works well for another trader. It might backfire on you. The two available approaches are either technical analysis or fundamental analysis. A combination of the two is a more preferred choice for experienced traders.

3. Understand that prices move by trends. Forex has a popular saying, "The trend is your friend." There are certain movements that have been studied over many years in order to identify a pattern in the trend. These trends need to be understood in order to understand a good trading strategy. For small accounts that are $25,000 and under, trading with a trend may help improving your odds when compared to bi-directional trading. Most newbie's will look to trade in any direction, when they should be trading with a trend.

4. Ensure you know the top-five currency pairs in the foreign exchange. These are USD/Yen, Swiss franc/USD, Euro/Yen, Euro/USD and Pound/USD.

5. Maintain two accounts to ensure you learn to play the trading game. Keep one real account, one that you will actually use to trade real money; and the second account should be a demo, one that you can use to test alternative moves in the trading game. You can easily use your demo account to shadow the trades in your real account so you can widen your stops to see if you are being too conservative or not.

6. Always examine the one hour, four hour and daily charts that concern your trades. Although you can trade at 15 and 30 minute time intervals, doing so requires a handful of dexterity.

HYIP Investment Strategies

HYIP Investment Strategies
Many of the investors plan their own strategies by their experience. Experience makes them know the do's and don'ts of HYIP. Once people get well versed to play in the risky yet lucrative arena, they start multiplying their resources. While there can hardly be any universal strategy for all cases, there are certainly quite a few patterns to be followed. The preliminary step one has to take before investing is to identify the fallacious programs and get rid of them. Then the nature of the program is to be analyzed and then the investor should act accordingly. A few points or strategies worth adopting are listed below.

Frequency of Payouts
Key point to note is the frequency of payouts. Check whether your interest payouts are made on a daily, weekly or monthly basis. If they are made daily, you have got a better chance to have a lucrative sum. Your profit increases day by day with the existence of the program. Don't be in a misconception that a program is more stable if it is paying monthly. Many programs which payout monthly gets doomed within a couple of months and there are archetype programs which makes handful of clams within short durations, to be precise, in few weeks. As far as the influx of new funds is there, the interest is being paid. When it becomes extinct, the program closes and your interests as well.

Program Duration
There is a formula that helps to determine the approximate lifetime of a program.
Lifetime of a Program= [(SD + SH + KR) * (NO + NF + WD + GAR) * (NKI + SKW + SKR) *365] / [((KI / SV) * (KO + RT + 1) * (KS + STR)*100000)]
Where
- SD -- approximate cost of design;
- SH -- cost of hosting;
- KR -- advertisement expenses;
- NKI -- presence of contact information;
- SKW -- compliance of the indicated contact information with the information given by ‘whois’ service;
- SKR -- compliance of the indicated contact information with the real addresses and phone numbers;
- NF -- presence of forum, quality of its development;
- KO -- number of mistakes in web-sites content;
- RT -- deviations in text (if the content is stolen with different sites or written without giving any consideration, the text will have incompliance);
- KI -- dynamics of growth of investors number during the first week of projects existence;
- SV -- sums of investments;
- WD -- information on business activity the program gets incomes from; subjective evaluation of data adequacy;
- GAR -- presence of guarantees;
- KS -- number of persons engaged in projects maintenance and support;
- STR -- place of projects accommodation;
- NO -- presence of office.

Program duration or age is also a factor that one needs to focus on in order to make the investments fruitful. The situation gets more complicated because even the trustworthy projects fail sometimes. It happens, for example, when program leaders did not manage to promote their program right or played fair on the currency market risking all their funds.

Profit Rates
Investor will incur a huge loss if they are too greedy. Even if you regularly get the program's earnings during several months it is not the reason to mortgage your property or take a credit under unbearable interest. You may find yourself with nothing if you spend your money recklessly. A program which does well today might get closed tomorrow. The well doing of a program is always uncertain. Also, it is a common opinion that, any program which offers above 2% a day would vanish within a matter of days.

One more point worth taking into account is the interest rate being either fixed or variable. Through many years of study, it has been made clear that, programs offering variable interests are more likely to be involved in some actual trading than the ones with fixed interest rates.

Type of Account
Some program facilitates their clients by providing internal accounts. The client needs to submit a withdrawal request in order to get the money transferred to their e-currency account. Normally the case is different. The amount will be sent to the account directly without any internal accounts. The later one is better to choose because, you can identify whether the program actually pays or reports some bogus interests in your internal accounts.

Investment Demarcations
The most popular forms of fraudulence is Ponzi. It's a classical financial pyramid where the profit is generated mainly by attracting investments from new participants. Majority of programs have their minimum investment value as low as $1. Before investing, you must be aware of these kinds of programs which are available in abundance. You should use your sub conscious mind in order to think what such a program can do with such a minuscule investment from investors like you, regardless of number of people. Up to some moment it looks stable as the payments are provided with real money invested into the program by new members. However, the impression is false. At some point there comes the stagnation and new members stop joining the project and the pyramid breaks down. Programs involved in some real business do not accept deposits less than $50 (minimum). It is not that, investors should only invest in programs which requires huge some investments. But, moderate amount, say $100 per program will do.
Precautionary Measures
The following tips will help anyone who needs to invest safely and get an acceptable interest.
- Never invest more than you can afford to loose.
- Don't allow greediness to blind you.
- Check the originality of the program by visiting the site. Be more cautious if the site is free listed and/or copied from other sites.
- Before investing ensure that the program pays directly to your account, because, the programs which maintain internal accounts might report bogus details of your account in their site.
- Never trust HYIP that put fake info in ‘whois’ database. Invest in those who had passes the DD (Due Diligence) process.

Always have in mind that a program would be a potential scam unless or otherwise, you have a positive reason to support it. Be cautious in such a way that, you get profits from HYIP or else, HYIP will profit from you. Analysis of various risks involved before investing will definitely yield fruitful results.

Successful HYIP Investing

Five Tips For Successful HYIP Investing

HYIPs are quite a challenging investment and if you truly desire to profit it from them you must be able to weed out the bad programms and only invest in the select few that have the best chance for success. Through my years of experience investing in HYIPs myself, I bring to you the following five tips that I always look for before investing:

1. Advertising.

This is one of the most important factors. Any HYIP that advertises will get a lot more members and more money flowing in than a HYIP who just has a thread on a couple forums. Because of this there are also a wider range of people promoting it and telling others bringing in even more people and investments. And as you should know new members and new investments are the cornerstone to a longer lasting HYIP. Advertising is probably the one factor that can make the biggest difference in the success of a HYIP.

2. Reputation.

Before investing in any HYIP it is vitally important to check out the reputation of it and read what other people are saying. By checking the reputation you can protect yourself from joining a HYIP that's not paying or that has poor customer support or that is inevitably going to fail very fast due to people posting bad experiences.
It's also possible that someone has a good idea who the HYIP admin is and depending on what they have to say about this admin they can increase the number of people who join or completely halt the increase of new members. If the HYIP doesn't have much of a reputation yet because it's too early, you could wait until you hear more about it or simply join based off of the other 4 major factors.

3. Earnings Gap Between Plans.

I've seen plenty of HYIPs that look great right from the start but after more closely reviewing their plans I see that it can really make them far too risky.
Multiple plans are common among HYIPs and they typically involve giving higher earning percentages to the larger investors. This is very common and in fact can be helpful for a HYIP, but watch out to make sure the higher plans don't pay out too much more than the lowest plan. This will keep you from getting into a HYIP that gets totally decimated when the couple largest investors decide to take out all their money.

4. Age of the HYIP.

You must look at the age of a HYIP before investing. So many people out there will look to see what program is having the most success and then invest in it only to have it close down within the next couple days. If the HYIP is too many days old your risk can greatly increase. It is best to try to enter very high paying HYIPs within the first couple days and for the lower paying HYIPs within the first handful of days. I'm avoiding specificity due to the fact that this completely depends on the type of HYIP. The point is that it is a good idea to get into a HYIP as early as you feel comfortable getting in at. If you're happy with all the other factors and it looks promising get in then or don't get in at all.

5. HYIP Monitors.

Basing your judgement off of HYIP monitors alone is a very bad idea but if you combine it with the other factors mentioned here it can help increase your odds of success.
If a HYIP is subscribed to at least a few monitors then it is a good sign, if it is subscribed to a lot of Monitors or has paid for premium listings on a monitor then it is a better sign. Conversely, if it is not subscribed to any monitors then you should be a little more wary. Truthfully this factor doesn't weigh too heavily on my investment decisions but it can help push me one way or the other when I'm on the fence.

Summary

Using these five tips you will be able to choose HYIPs that are more likely to succeed and hopefully will become a more successful HYIP investor.
Remember that these five tips don't specifically apply to every type of HYIP but should still give you a good idea of what you may want to look into for any program that you join.

Kisah Suami Isteri

KISAH SUAMI ISTERI

Sebuah karya yang sesuai untuk semua. Bagi yang bujang, boleh mengambil iktibar, bagi yang belum dan bakal berkeluarga, boleh belajar, bagi yang berkeluarga, perlu mengajar. Moga warkah ini mempunyai sedikit ilmu untuk pedoman.

Untuk suami, renungkanlah …………….

Pernikahan atau perkahwinan menyingkap tabir rahsia. Isteri yang kamu nikahi tidaklah semulia Khadijah, tidaklah setaqwa Aisyah, pun tidak setabah Fatimah. Justeru isterimu hanyalah wanita akhir zaman yang punya cita-cita menjadi solehah. Pernikahan atau perkahwinan mengajar kita kewajiban bersama. Isteri menjadi tanah, kamu langit penaungnya. Isteri ladang tanaman, kamu pemagarnya. Isteri kiasan ternakan, kamu gembalanya. Isteri adalah murid, kamu mursyidnya. Isteri bagaikan anak kecil, kamu tempat bermanjanya. Saat isteri menjadi madu kamu teguklah sepuasnya, seketika isteri menjadi racun kamulah penawar bisanya, seandainya isteri tulang yang bengkok berhatilah meluruskannya. Pernikahan atau perkawinan menginsafkan. Kita perlukan iman dan taqwa untuk belajar meniti sabar dan redha Allah SWT kerana memiliki
isteri yang tak sehebat mana. Justeru kamu akan tersentak dari alpa. Kamu bukanlah Rasulullah SAW, pun bukanlah Sayyidina Ali Karamallahhuwajhah. Cuma suami akhir zaman yang berusaha menjadi soleh. Amin
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Untuk isteri, renungkanlah ……..............

Pernikahan atau perkahwinan membuka tabir rahsia. Suami yang menikahi kamu tidaklah semulia Muhammad SAW, tidaklah setaqwa Ibrahim. Pun tidak setabah Ayub atau pun segagah Musa, apalagi setampan Yusuf. Justeru suamimu hanyalah lelaki akhir zaman yang punya cita cita membangun keturunan yang soleh.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Untuk Suami dan Isteri, renungkanlah …………………

Pernikahan atau perkahwinan mengajar kita kewajiban bersama. Suami menjadi pelindung kamu penghuninya. Suami adalah nahkoda kapal kamu pengemudinya. Suami bagaikan pelakon yang nakal, kamu adalah penonton kenakalannya. Saat suami menjadi raja kamu nikmati anggur singgahsananya. Seketika suami menjadi bisa, kamulah penawar ubatnya. Seandainya suami bengis lagi lancang, sabarlah memperingatkannya. Pernikahan ataupun perkahwinan mengajar kita perlunya iman dan taqwa untuk belajar meniti sabar dan redha Allah SWT kerana memiliki suami yang tak segagah mana. Justeru kamu akan tersentak dari alpa. Kamu bukanlah Khadijah yang begitu sempurna di dalam menjaganya. Pun bukanlah Hajar yang begitu setia dalam sengsara. Cuma wanita akhir zaman yang berusaha menjadi solehah. Amin.


Justeru itu wahai para suami dan isteri. jangan menuntut terlalu tinggi seandainya diri sendiri jelas tidak berupaya. Mengapa mendambakan isteri sehebat Khadijah andai diri tidak semulia Rasulullah? Mengapa mengharapkan suami setampan Yusof seandainya kasih tak setulus Zulaikha? Tidak perlu mencari isteri secantik Balqis andai diri tidak sehebat Sulaiman, DAN tidak perlu mencari suami seteguh Ibrahim, andai diri tidak sekuat Hajar dan Sarah.

Hello! This is ME. Enjoy your stay.