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HYIP - Foreword

Many Internet users have heard numerous stories that there is no honest business in the web and only inexperienced investors believe offers promising increase of their capitals via Internet. There are obvious reasons for such an opinion: the rumors are spread by people who don't know what they are talking about. Actually many ordinary people who don't bother of getting to know the detail of high yield investing in Internet are caught by fraudsters, lose their savings and begin to mistrust all forms of e-commerce e-currency.

It is very hard to independently study all aspects of high yield investing. To act by guess trusting only your intuition is not the best thing to do for the prospective investor. There are a lot of dishonest dealers and fraudsters ready to commit a crime in order to increase their incomes. But it does not only relevant to e-business but in real life there are enough dealers like that as well. One cannot state that all electronic investment projects that promise high incomes are false or are some kind of pyramids. It is untrue as well as the statement that all banks and joint stock companies are created with a view to steal money from investors.

There are offenders in different business spheres. However, the fact that they exist is not the reason to put this economic phenomenon into a black list. Actually some high yield investment programs members lose their money; however, many increase them in five, ten, twenty and more times. And it is not due to some coincidence or luck. There is number of rules and peculiarities by studying which the investor guarantees at least his/her loss-free participation in programs like this. Before you invest into high-yield project, you should carefully study all materials there are. Many people have made a fortune by participating in HYIP. Over many years of their successful participation in this sphere of business they have studied in detail all secrets and peculiarities for successful investing. Surely, such information is not secret and every prospective investor has a chance to study it.

This brochure contains information about high yield income programs that was collected by program members over the years of their participation. Experienced managers, known bankers and major businessman descent participation in programs like that. But in the contrast to ordinary people they try first of all study of aspects of the activity, learn and understand the details. This brochure is a result of serious research work, the result of symbiosis of theory and practice.

Once you read the brochure you'll realize how to chose HYIP, how to effectively invest money into it, how to keep your capitals safe and how to distinguish offenders from honest businessmen.

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There are offenders in different business spheres. However, the fact that they exist is not the reason to put this economic phenomenon into a black list. Actually some high yield investment programs members lose their money; however, many increase them in five, ten, twenty and more times. And it is not due to some coincidence or luck. There is number of rules.



Welcome to HarperEarn.com

We at HarperEarn.com. are proud to share with you the launching of our project - .HarperEarn.com. With HarperEarn.com. we will try to help many people that are willing to invest in the Forex Market but they have neither the necessary experience nor the time to do it successfully.

Do you want to become rich? We have nothing against it, and we'll be pleased to help you with that. For the information of those who do not know it yet, Forex (FOReign EXchange market) is an international exchange market, where money is sold and bought freely. Speculations on the Forex exchange market give the biggest profit of all legal types of transactions!

We certainly DO have a mission and one that we are sure will interest you. Our mission is to reveal the real truths to those from all backgrounds of life. We strive to show them how to break free from the shackles of social and economic slavery inherent in a system that is deliberately manipulating its people into a straitjacket of mediocrity and often poverty, by robbing them of their individual freedoms, privacy, rights and wealth.

Our mission is to give access to services that most have no knowledge of, but when accessed and appreciated to the full, can profoundly change lives for the better. We strive to facilitate the process of being privy to a very high level of secret and guarded information, wealth building strategies and opportunities that are accessed through membership. Bankers and Governments, jealously guard all this information, and the processes, for their own selfish benefit. We show how to step into the Offshore Arena with success and reclaim freedom, rights, privacy and prosperity. In line with this we give access to a simple turnkey business opportunity, which has incredible potential for enormous earnings in multiple ways through free-enterprise business.

Our mission is to show the way out of a life of "Just Over Broke" and direct those affected towards freedom, success, privacy, and financial prosperity. We drive to the goal of development of an individual's fullest potential, in order to best achieve all personal financial goals and dreams.

We strongly believe that these benefits and more come from membership in Perasim Inc Inc, and that those who are ready to take the steps necessary to utilize all that is made available for access, can improve their life just like so many others have done.

We wish members complete freedom, success and prosperity in every area of their lives and hope very much that they derive the benefits of such a freedom just as we ourselves have been so blessed to experience.

We have created HarperEarn.com to provide a different investment perspective unlike other HYIPs. We are a confident professional team, so we can and we will provide investors with an excellent service.


A High Yield Investment Program, or HYIP, is a often type of pyramid scheme normally offered via the Internet. HYIPs typically accept deposits as low as $1 while promising astoundingly high returns.

Online HYIP schemes rarely last for the long term. Overwhelming number of cases suggest that HYIPs are Ponzi schemes, in which new investors provide the cash to pay a profit to existing investors, which they typically then withdraw.[citation needed] This approach allows the scam to continue as long as new investors are found and/or old investors leave their money in the scheme, known as compounding (because even higher profits are promised).

The introduction of e-currencies has made it possible for HYIPs to operate on the internet and cross international boundaries, and to accept large numbers of small investments. HYIPs usually accept deposits by either e-currency, like e-gold, e-bullion and INTGold, or use specialist third party payment processors like AlertPay, SolidTrustPay, CEPTrust, TriStarMoneyChangers and StormPay. HYIPs typically offer a significant incentive commission (for example, 9% of invested funds) for members to attract and refer new investors.

Most HYIPs disclose little or no detail about the underlying management, location, or other aspects of how money is to be invested (often because money is not actually invested), and relatively little information (other than asserting that they do various types of trading on various stock and other exchanges) on how they actually generate the returns they purport. They are sometimes presented with some form of an emotional appeal, appeals for faith, and promises that they will help investors achieve financial freedom.

Arguably, the largest HYIP scam that has existed on the internet was PIPS (People in Profit System or Pure Investors)[1][2]. The investment scheme was started by Bryan Marsden in early 2004, (according to the Wayback Machine record of http://pureinvestor.com) and spanned more than 20 countries. PIPS was investigated by Bank Negara Malaysia in 2005 which resulted in Marsden and his wife being charged in a Malaysian court with 97 counts of money laundering involving more than RM77 million - US$20 million - (copy of New Straits Times article dated 11 Oct 2006). Even after these charges were brought forth many of Marsden's followers/investors continued to support him and believe they would see their money some day. This behavior and denial could be seen and still is seen on hyip forums such as Talkgold Forum and others.

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[edit] Interest rates

HYIPs typically claim to offer interest rates of 1% or more per day on invested funds; some claim to offer much higher daily rates exceeding 200% a day. Allegedly, the highest-return HYIP on record has offered 1,100% ROI in one day. Claims of astronomical returns without large capital outlay or background information are indicative of a Ponzi-structured HYIP program.

As a comparison with a typical 1% per day claim, Warren Buffett, one of the world's most successful investors, made around 30% per year during his most successful period; that is on average, less than 0.1% per day. As the claimed returns of 1% per day are extremely unlikely to be produced legitimately, all HYIPs are therefore likely to be Ponzi schemes, and so most investors will in due course lose their money.

[edit] HYIP games

As a result of online forums and monitoring sites which have made HYIP investors more aware of their nature, a different sort of "honest" HYIP began springing up in the early months of 2006. Basically, the HYIP owner calls his or her program a "ponzi-structured game" where one should "not invest money one cannot afford to lose", and where there is "never a guarantee of earnings or refunds". They promise to pay out up to (for example) 95% of deposits, the rest going to hosting or other fees and the owner's profit.

In such "games", the first participants ("investors") may make a good profit and are encouraged to refer other people to the program because of referral commission, the fact that they have already made back their principal and are playing with profit, and that the more people who deposit money, the more money can be paid out to participants. In theory, strategies can be developed to maximize profit using these games (but, of course, since this is a zero-sum game, such strategies work by taking advantage of ignorance or errors by others). Some forum users may gain a reputation whereby others will trust their word that they have been able to withdraw their profits, encouraging others to invest in the hopes that more will invest after them and that they can therefore make a profit. As these games are by definition Ponzi schemes, it is inevitable that the vast majority of investors who are not at the top of the pyramid will lose their money.

These "games" might be considered as lotteries. However, the odds of winning cannot be determined, as one cannot know whether one is playing early enough to win money (that is, whether a sufficient number of new participants will follow). Thus, these activities are unlike a lottery or other forms of gambling, where a player has an equal chance of winning no matter when a ticket is bought, or where the odds of the game are known.

[edit] HYIP monitors

HYIP monitors, or HYIP listing/rating sites, are websites that list and/or promote HYIPs for referral commissions. The monitor charges each HYIP a listing fee which is usually then invested into that program, although there exist free listings and occasionally monitors which invest their own money. The monitor then labels the HYIP as "Paying" or "Not paying/Scam" depending on whether interest is received within the terms specified by the program. Monitors also allow other HYIP investors to rate and comment on the programs, based on factors such as promptness of payouts and responsiveness of the HYIP administrator. Programs with higher ratings achieve higher rankings on the monitor sites, which coupled with a "Paying" status may entice more investors who rely on the monitor.

In most cases, HYIPs only pay monitor sites to keep their "Paying" status visible, but do not pay other investors. As HYIP monitors are not affiliated with the HYIPs themselves, they are unable to prevent investors from being scammed; they neither help to recover lost funds nor track down the scammers. Promoting or perpetuating Ponzi schemes is a criminal offense punishable by jail terms or fines in most countries. That the monitor sites place disclaimers saying that they "do not promote the programs advertised on their website" does not absolve them from criminal liability.

In order to generate a "paying" status early (so that future visitors will see it) and maintain it for the longest possible time, newly opened HYIPs list their site quickly as well as constantly pay monitors their interest on time. Added to the fact that many monitors invest the listing "fee", and that a commission is received on each deposit made by people who visit the HYIP via the monitor, they are the most likely to profit when a program runs out of funds.

HYIP owners can manipulate monitors and forums, by paying people to comment positively or by using a range of IP addresses or proxy servers in different locations so that "paying" votes appear to come from around the world. This allows the HYIP to rise up the rankings more quickly than others, giving investors a false sense of security. Additionally, even if they know it will scam in the future, some investors will also rate new HYIPs positively until the HYIP stops paying, because they want more people to invest after them in the hopes that the program will last longer. Future scammers can also build up a good reputation on forums for a large payoff once most forum members trust them.

[edit] HYIPs indicted or under investigation

The following is a list of HYIP scams that are currently under investigation or have been successfully indicted in a court of law.

[edit] See also

[edit] External links

Retrieved from "http://en.wikipedia.org/wiki/High_Yield_Investment_Program"

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