Thursday, October 30, 2008

HYIP programs--High Risk /High Return (maybe)

Particularly when it comes to high profit programs, it is necessary to make sure never to invest money you cannot afford to lose.

The only way to proceed is to get your invested funds out as rapidly as possible and then to regularly remove half of the profits you are making. That way, no matter what happens after that, you will have made money. As long as you profit in more programs than you lose in, or if you make more money in the programs where you make money than in the programs where you lose money, you will have succeeded.

With that in mind, lets look at what has been happening in some of the programs I have been trying out (yes, with money I have already said goodbye to, but hopefully only temporarily).

My Turn 4 Bux
I have been concerned for this program because it has been up and down and then up and then down again. They have certainly been experiencing some technical problems. The problem is that whether a program is a scam or just badly run, the result for the member ends up the same--you are at high risk of losing money.

They have had a tendency to keep putting withdraw requests back into the balance repeatedly, but on the other hand, people are getting paid. You just have to have perseverance. If you send a support ticket or an email, it seems to help.

For what it is worth, which may not be much since even well-intentioned but incompetently run programs are as dangerous as scams, I do think that this program is trying to be around for a while (they keep insisting that they are here for the long term).

My personal status is that I am in profit by over $250, which is nice.

Best advice with this program. Their Bonus program which has a minimum investment of $350 is the only program worth getting into. If you do, be prepared to have to keep putting your withdraw requests in again and do not be shy about emailing or submitting support tickets.


Premium Compounder

Twice in the past few days this program has sent out emails saying that they were swamped and were looking to add 3 support personnel. Anyone interested should email them. I thoroughly agree with them--they basically do not respond to support tickets or emails. In addition, when I try to call them all I get is voicemail. If we were giving out ratings for communication, they would be at the bottom of the list.

For what it is worth, they so seem to have offices as represented and have been operating privately for 10 years. Unfortunately, going from a successful small business to a successful large one is not automatic.

They did have an issue with Paypal, as have many programs, then allowed people who had purchased investments using Paypal to exchange their funds for E-gold on a 1:1 basis. Unfortunately, when I tried to cashout some funds to E-gold, the withdrawal did not occur. At least for now, I have not been able to request a cashout again since they have removed the E-gold cashout option.

They have at times been offering a bonus to people investing using Liberty Reserve, presumably because they keep running out of funds in that processor to use for cashouts. This might also indicate that you might have to wait for a cashout if you are investing using Liberty Reserve.

Anyone wanting to try this program (trying it with a spare $100 or so that you have sitting in Alertpay is probably not a bad idea), I would advise to ONLY invest using Alertpay. They do not always seem to have any other processor funds available.


Megalido
This program is basically paying 44% profit every 12 days and seems to be paying in general in 24 hours.

I would handle this program by investing funds then reinvesting the funds plus the profits after the investment cashes out. Then at the end of the second investment, take out the original investment and reinvest the profits only. From then on when each 12 day investment matures, I would reinvest all but 1/2 of the profits. In other words I would reinvest approximately 75% of the cashout.

One thing about this program is that you cannot reinvest without cashing out to your payment processor first. One of the things this program offers is an exchange of funds from one payment processor to another, but which exchanges are allowed varies from day to day and the amount you are allowed to transfer varies.


Instant 2 u

I have started testing this program and it appears to be fairly good. Basically it offers 40% profits every 10 days. If you are using Liberty Reserve the daily rebates are credited immediately to your processor account. If you are using Alertpay or Solid Trust Pay, it will only be credited to your account at the end of the 10 day investment.

I will keep you updated on this one since I have to see how they handle issues. Anyone interested in testing it with me here is the url: http://Instant2U.com/?ref=2936


Elisabeth
elisabethcole29@gmail.com
907-262-3711
Skype elisabeth.cole

Thursday, October 23, 2008

Low Risk Programs

It is important to keep your eyes on the goal--and the goal is the low and medium risk programs.

The goal for everyone has to be to place funds into the more stable, lower risk but also longer term program available. These are the programs which are most likely to still be around in one year, two years, five years in order to provide you with the income that you need to live on.

The role of the higher risk programs is to provide you with quick cash to put into the safer programs and also to provide emergency funds. Never forget to get your money out of them as fast as possible and keep taking profits out. These programs appear and just as mysteriously vanish with no notice, taking with them any money that you have left there. As long as you have already taken out your seed money and at least some of the profits, you have nothing to complain about--so do not whine when they vanish with some of your profits.

I think that I should put the last paragraph in flashing lights so that nobody ever forgets it.

The core of any portfolio needs to be the diversified low risk programs.

Monday, October 20, 2008

Keep Your Eye on the Goal--Low Risk Programs

The goal for everyone has to be to amass funds in order to place them into the more stable, lower risk but also longer term program available. These are the programs which are most likely to still be around in one year, two years, five years in order to provide you with the income that you need to live on.
The role of the higher risk programs is to provide you with quick cash to put into the safer programs and also to provide emergency funds. Never forget to get your money out of them as fast as possible and keep taking profits out. These programs appear and just as mysteriously vanish with no notice, taking with them any money that you have left there. As long as you have already taken out your seed money and at least some of the profits, you have nothing to complain about--so do not whine when they vanish with some of your profits.

I think that I should put the last paragraph in flashing lights so that nobody ever forgets it.

The core of any portfolio needs to be the diversified low risk programs. At present I have just 3 programs which have earned that classification and I will discuss one of them in each of the next blogs.

The first one is MrsVIP/Vlane.
This program has been around for around 2 years and during that time has experienced some changes, which improved the program. It is very well run by very competent admin who are very attuned to the economic and political situation.

Payments are and always have been in full and on time, cashing out only occurs on the 1st of each month and payment occurs within 5 business days (often less).
It is one of the few major programs which is run entirely in Euros, which is good since that alone further diversifies the portfolio.
It is offshore and has multiple sources of income, which makes the program more stable and more likely to survive.

It has a matrix aspect to it as well as a website rating aspect. This also means that it makes it possible for us to use it to promote our websites and programs. Our obligation is to download an Alexa bar and to view and rate sites 5 days per week for about 15 minutes.

There are some monthly costs but most people can expect to make approximately 20% net profit on the ad packs purchased. There are different plans with different monthly costs which relate primarily to the % profit which can be earned from the ad packs.
Funding is basically through STP and by bank wire.

The program has been closed to new membership in the past and this will most likely occur again. It is very important for a program's monthly cashouts not exceed its income and this program is very careful to control its growth to prevent that from occurring.

The program is a bit complex and there is a teleseminar which can be listened to in order to understand just how it works: http://instantTeleseminar.com/?eventid=3702351

It remains that the only downsides to this program is that as a result of only accepting Euros, the only payment processors are Solid Trust Pay and Hatfield-Oak, and also that at times the website is down (and all websites seem to experience these sorts of problems). When the website is down, we are kept full informed by admin and can also have contact with admin and get help when needed through the GMS cafe which is the private forum.

This is a program that has earned a clear thumbs up on all counts.


Anyone interested in this program who has questions about it or who would just like more information, is welcome to email me at: elisabethcole29@gmail.com




No Post today on account of a Hacker

Excuse me if I do not post today.

Some joker got access to one of my email accounts that I rarely use and sent emails out to my entire contact list with a hard luck story and a request for money. If someone is going to be dishonest they need to do it much more intelligently--this Einstein did not provide how or where to send the funds requested. This person may be a computer genius but he (or she) cannot spell and has no concept of grammar--and that is coming from a person who never studied english grammar, only french grammar. It is vaguely insulting that some people actually believed that I had sent that email.

Just to complicate my day, I could not access the account because my password had been changed so that I could not get into my email account.

The result is that it took me much of the afternoon and then most of the evening to get into the email account, change the password and then to undo the mess and repair the damage, not to mention answer innumerable calls from worried people.

Saturday, October 18, 2008

It is NOT What You Make That Counts

It is what you take out of the program and put in your pocket that counts.

Money that is on a computer window, and therefore in cyberspace basically, is potential profit, but that is all it is. You can have made a wonderful profit, and then the program ceases to exist or the owner does an Enron--and you are left with nothing.

That can happen both on and off line. Remember Enron and Worldcon and others.

I have divided programs up into low, medium and high risk programs. There is a real reason for this. The level of risk in a program such colour your way of looking at and thinking about the program and should absolutely determine how you will treat the funds you have invested in it.

High Risk Programs
High risk programs are usually the highest profit programs, usually with short investment periods of usually 10 to 15 days. There is nothing wrong with using them to build capital in a hurry.
These programs are fun, you watch your money grow every day. As long as the program is basically new (definitely less than 6 months old, although fresher is better with these) and as long as you remember to get your seed money out quickly, they are a good way to generate enough capital to allow you to invest in low risk, longer term programs. In addition to that you need to remember to take a portion of the profits out frequently.
The enemy here is greed. As you watch your profits grow day by day the risk is to leave your seed money, or your profits in, since the more money you have in the more money you will make. DO NOT DO IT. That is the best way to end up losing your money.
You may make less but as long as you are taking money out, then you are making money. If you leave it in and end up losing it, then......

Low Risk Programs

Your goal should be to put your fund into low risk programs, or taking the funds out entirely and putting them into something else which is low risk--like silver and gold.
These programs are invariably well run, are involved in activities which are not likely to be affected by economic downturns to a significant degree, and have been stable over a period of time.
At this point in time, there are 3 programs that I have found and that I am involved in, which are truly low risk:

MrsVIP/Vlane
Guardian Equity Group
RIOY/TriVita/Liberty Health Net

I will discuss each of these programs, beginning with the low risk programs.

Friday, October 17, 2008

Reducing Risk while Maximizing Profits

In general, the higher the risk the higher the potential profits.

Therefore in a portfolio it is necessary to balance low, medium and high risk programs. Generally the best approach is to use the high risk programs which need to be considered short term, but also high profit to rapidly build the funds needed to invest in the safer and longer term programs.

The four most important things to remember when investing in high risk programs are:
1. never invest money that you cannot afford to lose.
2. get into the programs as early as possible. Some may only last days or weeks, although the average is around 4 to 6 months for the better run programs.
3. get your investment out as soon as possible.
4. keep taking half or more of the profits out on a regular basis (as soon as the program allows)

This has always been true, but is more of a problem in the current economic situation: nothing is entirely safe either on or off line. When the analysts are predicting that 1/3 to 1/2 of all businesses and industry will close within the next 1 to 2 years, then we need to assume that the statistics online will be no better.

Thus we need to diversify into multiple programs with different admins, located in different countries, and ideally involved in different types of activities.

It is fine to strive to make money, but in order to increase the likelihood of success we need to exercise as much care as possible and keep in mind that high risk programs should always represent less than half the programs in the portfolio and less than 1/4 of the available funds should be invested in them at any time.

These rules reduce the risk as much as possible. It leaves your money at risk for the shortest period of time, while at the same time making is possible to rapidly acquire funds to be place in medium and low risk programs.

Thursday, October 16, 2008

Why Passive Programs?

I found myself living at an age where I am too old to start something new, at least in the conventional sense, and living in an area where there is not much in the way of employment anyway. On the other hand, I also found myself with no income and no family within 8000 miles.

Despite being technologically challenged it became imperative to figure out how to use the internet to create the income I needed, and without too much work.

I find the idea of "selling" absolutely unacceptable. Even to consider trying to get someone to buy something that they neither want nor need just did not work for me. That left few options--basically finding an incredible product (yes, I did find one) or find ways to develop an income without having to sell. I really like the second option best. It is certainly easiest.

The other reason for using passive programs is that they work for everyone. You do not need to be intelligent or a good salesperson. You do not need to have a great deal of time or know much about computers. They level the playing field so that everyone can succeed. This does not mean that you will not make more money faster if you promote and get referrals, but you can still make an exceptional income even without that.

I finally did find some acceptable programs. Then I developed my own rating system which I could use to guide how I would handle the programs.

There are low risk programs which are likely to be long term: VrsVIP/Vlane being one of the best.


There are also high risk programs which offer incredible profits but are likely to be short-lived: My Turn 4 Bux, Premium Compounder and Megalido.

I will discuss the programs and discuss approaches to minimizing risk in the high risk programs. The specific strategies vary from program to program.

If the referrals do not benefit from joining the programs, then it does neither me nor them any good.