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Posted by: forwardone

HYIPMailer.com - HYIP Newsletter #119 - 4/17/05

http://HYIPMailer.com Newsletter #119

NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - "Planning" To Make a Decision - Investing or in Everyday life.
III - Some Interesting Forum Discussions

I - HYIP NEWS/NOTICES UPDATE

* The State of Texas has Issued a cease and Desist order against PureInvestor
Pips. All dealings with Pips in the state of Texas must be haulted. More info
can be found at:
http://www.talkgold.com/forum/showt...95&page=1&pp=10

* C.A.N. Community Action Network has reportedly threatened to take to court
anyone talking negatively about them. They even threatened to "Get" the owners
of Talkgold if they continue to allow people to post negative comments about
their program. Looks like CAN is a Scam.

* There are reports that the Asot Team, a supposed anti scam site actually runsa scam themselves. The site that they reportedly run is Invex.org. Alot of their scripts are almost the same as the coding on Asot. This is just
speculation but some interesting speculation at that. Meanwhile the Asot
website is down for redesigning.

* Golden Profit Box has stopped paying out. Even though you can withdraw from
the site the withdraws do not reach members egold accounts. We're not sure
what's going on with this program.

* Big Invest, a program which only started a month ago, has already stopped
paying out. There has been no word from the admin.

* FXTG has stopped paying out. For a program which offered just 0.5% per day,
they either made some terrible trades or were simply a scam from the very start.
We are leaning towards the latter. The program was under 1 month old.

* Trade Invest has recently upped their minimum to $50. There is also some
confusion about whether the program is paying or not. There are some negative
votes at rating sites for them but we are pretty certain they are still paying
on schedule.

* Other programs which have stopped paying are: 150percent.com, Diamond HYIP
and King of HYIP.
-------------------------------------------------

II - "PLANNING TO MAKE A DECISION - INVESTING OR IN EVERYDAY LIFE

Author John Robertson

The longer I've been around companies the more I believe the words "Planning"
and "Decision" are seldom used in the same sentence! And the business fallout
because of poor planning when making decisions is staggering.

The effects of a decision gone bad tend to linger around for months or even
years. It is a fact that most businesses fail not because they did not make
decisions but because they did not make good decisions.

With so much riding on your ability to make the right decisions it is prudent to
brush up on the technique of decision making and the process involved in
planning to make them.

Planning allows a decision to be made on your terms and in a much more
comfortable and intelligent way. It allows you the time to consider several
options without the last minute rush.

There are four benefits to decision-making planning:

1. PLANNING ALLOWS YOU TO SET THE GOALS YOU WANT. That means you are not so much
focused on the external events that don't relate to what you are trying to
accomplish. Many decisions are incorrectly made based on things that steer one's
life rather than becoming proactive decision-makers.

2. PLANNING PROVIDES A WAY TO MEASURE SUCCESS. The plan of action is your mirror
to measure how close (or far) you are from accomplishing your goal. This measure
is important because it can show you immediately when you are off course and
need to make adjustments and corrections.

3. PLANNING CHANGES THE "DO" TO THE "GET". Planning converts ideas, values and
activities into action. Planning is not the end result; it is the tool to
convert the idea into a specific action or actions. Planning helps you convert
your company's goals into your individual goals and helps you get results.
Remember most companies pay you for action NOT activity. It's not the "do" it is
the "get" that makes the difference. A good plan is to keep what you are trying
to accomplish in the focus at all times. Ask yourself is what you are "doing"
now, "getting" the results you are responsible for?

4. PLANNING HELPS ALLOCATE YOUR RESOURCES IN AN EFFICIENT MANNER. Few companies
have unlimited resources. A good plan helps you maximize the resources you have.
Remember that dollars are not your only resource. Recourse that you will need to
manage includes people, tools, assets and company propriety information. By
consulting you plan often, you can see concerns before they become problems and
you can shift available resources to cover the unexpected issues.

Planning to make a decision is a perfect example of the Pareto principle - the
idea that by doing 20% of work you can generate 80% of the advantage of doing
the entire job. Pareto analysis is a formal technique for finding the changes
that will give the biggest benefits. It is useful where many possible courses of
action are competing for your attention.

Perhaps by spending the 20% of your time thoroughly planning you next decision
can save you 80% of your time. Why not give it a try?

There are several methods you can use for planning. Words such as Strategic,
Tactical, and Operational may come to mind. However, these are specific planning
procedures. Each has their place in business

(C) 2003 TrainingConnections.ORG All Rights Reserved

-------------------------------------------------

III - SOME INTERESTING FORUM DISCUSSIONS

* Poll: How much do You Have Invested in HYIPS
http://www.talkgold.com/forum/r18587-.html

* Insuring HYIPs
http://www.web-life.org/vb/t455-.html



Posted by: sunnydiv

why u didnt include the paid advertising

i mean, i u posted the newsletter

the sponsors should also get posted

right ?



Posted by: forwardone

We have agreed with the owner of HYIPMailer to edit the Newsletter as we see fit. The Newsletter is sent by email to a large subscription list, where adverts by sponsors will naturally be viewed. The purpose of including the HYIPMailer in our forum is to let members know what`s going on in the HYIP arena which this Newsletter does very well.

We don`t however, feel that it would be right to include any advertising in this part of the forum. As you are probably aware though, we do have a folder where free advertising can be done, and of course we also have paid folders in which Program Admins may promote themselves as much as they want. This is in addition to banner advertising as well as text Ads.

Thanks for your question.

Geoff



Posted by: forwardone

Quote:
HYIPMailer.com - HYIP Newsletter #120 - 4/25/05
-----------------------------------------------

http://HYIPMailer.com Newsletter #120
NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - Famous Business Strategies

I - HYIP NEWS/NOTICES UPDATE

* Pips, continues to have withdraw issues. Currently they claim to be almost 4
months backlogged, however they have also just warned that another bank has
dropped them. This combined with numerous articles in local newspapers claiming
PIPs is a scam, has brought a lot of negative attention to the program. I guess
we all just have to wait and see what happens with one of the largest HYIPs
ever.

* IT4US has issued a statement saying they will be issuing their own smart
cards in order to by-pass e-currencies. The smart card will be a debit card for
its investors.

* Trade invest, a program which started in Late November 2004, has finally
stopepd paying out. This program offered 5% interest per day for 30 days. It's
very likely it was just a ponzi that had a long reign. Looks like they are gone
for good.

* Well-Lab, a program that lasted about 2 months paying 1.2% per day has
recently had its site go down. This combined with no update from the admin,
makes us believe the program is gone for good.

* Two Programs, Gold Solution and Gold Finance Group, both closed this week.
It is beleived that they are both run by the same individual. They bth began in
early March and paid between 12-22% per day. Looks like just two more ponzi's
that ran out of new spends.

* FX Capital has also been reported as not paying. They offered 3% daily and
began in late March. there has been no word from the admins.

* It looks as though 4Daily has also gone the way of scam. This program
offered to double your money in about 2 months. Looks like they are gone for
good.

* Globes4U has increased it's payout percentage from 5% to 7.5%.

* Other Programs that have recently closed are: MerFund, Aruba Investment, FX
Trader Site, and Big Capital.

-------------------------------------------------

II - FAMOUS BUSINESS STRATEGIES

We thought that this was an interesting article discussing the business
strategies of some of the wealthier people in the wrold. With PIPs and Bryan
Marsden in the middle of some problems, We thought that this article could act
as a guide to the differences between Bryan and these Famous wealthy
individuals.

Author Laura Ciocan

Identifying the best strategy for your business is the key to all success.

It should give you the lift that makes a difference. The art for your strategy
success is planning.

settling a vision for your business
defining a mission
setting out objectives
establishing values, goals and programs.
Vision

It is all there, it is all important, but first there is the vision.

So, is vision a spark, is it a moment? How much is inspiration and how much hard
work? Is it 99% perspiration and only 1% inspiration? Can we all be geniuses?

According to Edison's theory I would say yes, if we are committed to hard
working, as it is primarily the hard work that makes a genius. Inspiration comes
on the way, when involved in as much action as you can handle. Contrary to the
conceptual meaning, inspiration seems to be driven by propitious conditions - in
this case, by work.

Hard work

So, what really happens behind the fairy-tale success stories is usually not
what some would expect - a brilliant, extraordinary, never heard of discovery
that changed the world, but, disappointingly enough, plain hard work. What these
people have is what I would call "industry intelligence". How is it acquired?
Working of course. That is, sharply aware of their industry environment,
learning all the rules and deeply involved in their own businesses, success
people have at some point of activity a vision for their business that proves to
be a winner - the revelation naturally produced as a result of their work
commitment.

Let's take the example of three American legends: Sam Walton, Warren Buffet and
Bill Gates. What do they have in common? The winning vision, the winning
strategy.

Sam Walton

In the case of Sam Walton, no new, innovative business models were launched. He
followed the existing low-price retailing pattern but the competitive successful
strategic approach was that instead of focusing on large cities he took his
business to small towns becoming the low-price leader in rural towns.

Warren Buffet

Warren Buffett's success resides in his different approach to value investing.
While usually investors look for stocks they believe undervalued by the market,
Buffett does not take into consideration the stock market aspects, such as for
instance the supply and demand ratio. He analyzes the stocks on the basis of
their potential as companies. He is interested in long-term results, such as
ownership in companies with capacity of generating money, namely, companies with
a strong name, great historical results, strong management and industry
expertise.

Bill Gates

Neither is the case of Bill Gates to have made extraordinary innovations. Rather
than innovation, he had the ability to put together other people's ideas, thus
producing big hits and making a profit. He did that first when adjusting BASIC
programming language for the Altair 8800 (first PC) - neither of which was his
original creation. Then, the same happened with DOS, which Microsoft bought (the
original version was QDOS) and adjusted.

Business strategies implementation

Then, action comes. As the saying goes, planning without action is futile,
action without planning is fatal. It takes guts to act boldly and take whatever
risks are necessary to put your vision into practice. It takes a great deal of
tenacity to surpass obstacles and get over unfortunate happenings on the way.
So, how did they implement their planned strategies? What was the outcome, what
principles resulted for them to base their businesses on?

Warren Buffet

For the implementation of his strategy, Buffett has drawn his company choice
principles, involving a great deal of analysis of business, management,
financial aspects and a great deal of patience, waiting for the right price once
the possible investment has been identified.

On businesses

simple and understandable
consistent operating history
favorable long-term prospects
On management

rationality in treatment of retained earnings and investment of company profits
disclosure of all aspects of company performances
capacity of thinking independently of other managers' way of thinking.
On financials

look for return on equity, not earnings per share
analysis of free cash flow growth
unique niche companies with high profit margins
look for companies with at least one dollar of market value for every dollar
retained
On stock valuation

reasonable price for the company
stock valuation analysis followed by analysis of a possible significant
discount, case in which it will be purchased.
Success depends on the investor's dedication to learn and follow the principles.

Sam Walton

He gives his ten rules for success in the book "Made in America, My Story":

commitment to business
profit sharing with partners
partners' motivation, competition encouragement
total communication with partners, trigerring their commitment
giving appreciation to what your partners do for the business
keeping spirits up in celebrating success but also in treating failures with a
touch of humor
listening to everyone in the company, encouraging their talking
a sustained exceptional relationship with the customer - exceeding his
expectations, showing appreciation, apologizing for mistakes
finding a competitive advantage in controlling expenses
originality, doing things differently there is a good chance to find unexplored
niches.
Bill Gates

Microsoft's corporate mission "A computer on every desk and in every home"
shortly became a reality. Offering an easily accessible operating system for
computers, perceiving the importance of customizing their product to the
ordinary client and not only to computer engineers and thus addressing masses,
Bill Gates succeeded in putting together and promoting towards a tremendous
popularity (and profit accordingly) the world's dominant operating system.

What these people have in common is nevertheless an extraordinary ingenuity:
they innovated their industry domain, building their own strategy tailored for
their own business particularities and went further to its implementation.


About The Author

Laura Ciocan writes for http://www.businessplanning.ws where you can find more
information about what is a business plan

Please feel free to use this article in your Newsletter or on your website. If
you use this article, please include the resource box and send a brief message
to let me know where it appeared. Contact: lauracio@gmail.com.

-------------------------------------------------
Please note this newsletter is edited in part and we only reproduce an extract of the full text. This is done with permission of the HYIP Mailer Admin.

Geoff



Posted by: forwardone

HYIPMailer.com - HYIP Newsletter #122 - 5/09/05
-------------------------------------------------
http://HYIPMailer.com Newsletter #122
NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - Going Against the Conventional Investment Wisdom
III - Some Interesting Forum Discussions

-------------------------------------------------

I - HYIP NEWS/NOTICES UPDATE

* Pips delays continue. Some members are waiting close to 5 months for their
withdraws. Despite this, Bryan continues to post positive messages saying
things will improve. It's still a wait and see situation.

* The Program Forpay has had a balance limit imposed on its egold account.
Therefore noone can spend into the program. We have not heard anything from the
admin of this program.

* Asot.biz is still down for maintenance. Looks like these guys who were
supposed to be protecting people from scams may have actually been running their
own scams, and recommending them to the public in confindence.

* Uniform Fund has stopped paying out. Withdrawals at their site are no longer
being honored. This program lasted just under 2 months. Looks like another
scam.

* Data Base Gold, a program that offered 1.5% daily and started about 1 month
ago, has stopped paying out. There has been no word from the admin.

* Cera Fund, a sure fire Ponzi scheme has stopped paying. They offer 10% per
day and only lasted about 10 days. Not many people, if any even made their
money back.

* 30 Gold, another program that looks like a pure ponzi also collapsed this
week. They offered 15% per day and paid for just 2 weeks. Many people reported
only being paid every other day instead of on a daily basis like they claimed.

* Other programs which has stopped paying out are: Sun and Pine, Liagold,
AUMax, and GoldWare.
-------------------------------------------------

II - GOING AGAINST THE CONVENTIONAL INVESTMENT WISDOM
Author Terry Mitchell

Most financial advisors put a great deal of emphasis on diversification. While
this is probably appropriate for most people, I personally don’t buy it. The
idea is that it limits risk. While it does indeed limit risk, for me it also
limits my upside potential way too much. Therefore, I basically disregard the
whole concept. Most advisors will encourage investing for the long term. This
strategy is generally successful in building wealth, but unfortunately for me,
it wouldn’t until after I’m old or dead. I invest for the short and intermediate
terms.

I also do not buy or trade individual stocks. Instead, I buy and trade no-load
mutual funds, including index funds. Even with the use of a deep-discount
broker, commissions from trading individual stocks will add up and cut into my
profits. True no-load mutual funds don’t cost me anything to buy or sell.
Besides, owning shares in a mutual fund is like owning shares of a lot of
different stocks at one time without having to actually buy any of those stocks.
Instead of buying individual stocks, I am buying classes or groups of stocks. I
also don’t have to worry about which stocks to buy or sell, as that job is being
taken care of by the fund managers.

Now, let’s talk about some guidelines I use specifically for my conservative
strategy. I only buy funds that have earned a "Five-Star" rating from
Morningstar (www.morningstar.com). They must also have a Morningstar risk rating
of "low", "below average", or "average." In addition, they must have a
Morningstar return rating of "above average" or "high." Also, they must be
long-term winners, i.e., near the top of their categories in five-year and/or
ten-year performance. I also require them to be "Lipper Leaders", as deemed by
Lipper (www.lipperleaders.com), in the categories of "Returns", "Capital
Preservation", and "Consistency."

In my mind, consistency is just as important as high overall return and capital
preservation. An inconsistent or volatile fund can cause problems for short and
intermediate term investors, even if its longer term performance is excellent.
Here’s the problem: Let’s say a fund that I invested in went down 50% in the
first year I owned it. It would have to go up a whopping 100% the next year for
me to break even after two years. However, let’s say it went down 25% after the
first year. In that case, the fund would only have to go up 33% in the second
year for me to break even. A 20% drop in the first year would need only a 25%
increase in the second year to break even; a 15% drop would need only an 18%
increase; a 10% drop would require only an 11% increase; and so on. Therefore, I
stick with funds that have never gone down more than 10-20% in any one year. I
prefer funds that have never had a losing year, but those are very hard to find.

What about my more aggressive strategy? This is the one that I’m using more and
more often and is becoming more profitable, although I probably couldn’t quit my
job and make a living off of it just yet. Is it going to make me rich? Probably
not. However, I hope it will eventually put me in a financial position to retire
early. This strategy involves actively trading various no-load market index
funds. The experts say you can’t successfully time the market. I believe this is
true when using the strictest definition of the term, “market timing.”

However, I have been able to trade successfully with the short-term momentum
already established by the market. Why no-load market index funds instead of
individual stocks or Exchange Traded Funds (ETFs) that mirror various market
indexes? Because no-load market index funds allow leveraging and short selling
without the need for a margin account. Also, some of these funds allow
twice-daily trading (which is important for exiting early on bad days). In
addition, the fund company I use doesn’t charge redemption fees for actively
trading its funds. Most fund companies, even those that specialize in no-load
funds, charge these fees.

Like I said at the beginning, I’m not going into great detail, especially about
my more aggressive strategy. However, I should define some terms so all of this
will make more sense to those who are novices in the world of investments.

What is leveraging? Leveraging, in this context, is the ability to buy shares of
a stock or mutual fund and realize a multiple of its gain or loss during the
time you hold it. For example, if you buy a fund leveraged at 2 times a given
stock index and that fund goes up 20%, you realize a 40% gain. However, if it
goes down 20%, you incur a 40% loss. With individual stocks or ETFs, you need a
margin account to do this. With a margin account, your broker is loaning you
money on “margin” at a rather high rate of interest to cover the leveraged (or
extra) amount. Obviously, this could be very risky and costly. However, there
are some funds that have this leveraging built in at no cost to you. These funds
automatically give you one-and-a-half or two times the gain or loss of a given
stock index.

What is short selling? Short selling is when you sell a stock (that you don’t
already own) immediately at its current market price while agreeing to buy it at
whatever the market price will be at a fixed point in the near future. In other
words, you are betting that the stock will be going down, so you can buy it for
less than you sold it for. Have you ever heard anyone say “don’t sell me short”?
Well, this is where that term came from. Selling someone short is tantamount to
treating them like a bad stock that you believe is going down. Yes, it’s
backwards of the normal process of buying and selling stocks. As with
leveraging, you need a margin account to do this for individual stocks or ETFs.
Your broker loans you money on “margin” (actually buying the stock temporarily),
so you can sell a stock that you don’t own yet.

Once again, however, the funds I use have this short selling mechanism already
built in to them at no cost to you. For example, you can buy a fund that gives
you the inverse performance of the Nasdaq-100 Index. When that index goes up
10%, the fund goes down 10%; conversely, when that index goes down 10%, the fund
goes up 10%. There are even funds with leveraging and short selling built in to
them, at no cost to you! For example, there is an available fund that goes up
20% when the Nasdaq-100 Index goes down 10%. Of course, that same fund goes down
20% when then the Nasdaq-100 Index goes up 10%. As you can probably imagine,
these funds can be powerful tools for profit-making for those who know how to
use them, but can be highly dangerous for those who do not.

For more information about any or all of these concepts and to find out what
kind of investment is right for you, contact your financial advisor and/or do
your own research. Hopefully, I have provided some food for thought as well as
several resources that might be helpful to you when doing your own research.
About The Author

Terry Mitchell is a software engineer, freelance writer, and trivia buff from
Hopewell, VA. He also serves as a political columnist for American Daily and
operates his own website - http://www.commenterry.com - on which he posts
commentaries on various subjects such as politics, technology, religion, health
and well-being, personal finance, and sports. His commentaries offer a unique
point of view that is not often found in mainstream media.

terrymitchell@verizon.net

-------------------------------------------------

III - SOME INTERESTING FORUM DISCUSSIONS

* Ineffectiveness of HYIP Rating sites
http://www.talkgold.com/forum/r19997-.html

* Keys to success in HYIPs
http://www.web-life.org/vb/t3974-.html

* Getting your Seed Money Back: Poll
http://www.talkgold.com/forum/r18913-.html

------------------------------------------------



Posted by: forwardone

Quote:
HYIPMailer.com - HYIP Newsletter #123 - 5/16/05

-------------------------------------------------
http://HYIPMailer.com Newsletter #123
NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - Signs of a Ponzi


I - HYIP NEWS/NOTICES UPDATE

* Talkgold.com was recently hacked. The site was down for almost 24 hours on
saturday and sunday, and lost a couple days worth of posts. Things seem to be
back to normal now.

* Pips supposedly is paying Picpay Merchants on time now. Meaning that the
best way to deal with Picpays near worthlessness is to buy products from these
merchants.

* A new rating site called "WeWillRock" has been massively spamming HYIP
investors. They have also falsely stated that they teamed up with Talkgold.
This statement is absolutely false!

* Over the last day or so, a handful of long paying HYIPs seem to have gone
offline. We think this is probably due to DDOS attacks, meaning they will most
likely be back up shortly, if they haven't already came back. Some of the
programs included in this bunch are, OneInvest, Syncinvest, lend2earn, and Galeo
Investments. Stay tuned.

* SNC Investments has stopped paying out. This program launched back in early
March, and managed to pay 6% daily. Looks like they are done for good though.

* Mega Corporation has been reported as paying some members and not others. It
is reported that many rating sites are being paid by them, but many members are
not. This seems to be an ever increasing startegy by scammers in order to gain
confidence from the public.

* Gold-Capital seems to have stopped paying out. Money is being credited to
accounts, however the withdraw button does not work. This program has only been
around for 10 days. Looks like a scam from the start, or a major scripting
error.

* GoodBestWork, a program that offer 112% daily for 2 days has never paid a
sole. This was a scam from the very start.

* Other programs that have been reported as not paying are: HPC Invest,
ForPay, Delta Arrow, FM HYIP, and Titanium Gold.


II - SIGNS OF A PONZI

Over the last year or so we have learned some of the tell tale signs of a ponzi
scheme. These are signs that usually point to a program being a ponzi or
pyramid scheme:

#1 - Tie-in of an original e-currency.
This is when the program actually releases their own e-currency. They claim its
because they can have better control over withdrawals and be a safer, securer
payment processor. The real reason behind this tactic is usually to create
their own money. If an ecurrency keeps all the funds in the system, only
recirculating its own currency, then they don't ever have to worry about paying
out cash. They can actually make their own money. This means an extention of
the ponzi schemes lifespan.

#2 - Blame all problems on others. If payouts are late, blame a hacker, if the
site is down and causes payout delays, blame a DDOS attack, if governemnt
agencies shut them down or cause problems for them, blame the people who
reported them. If the program has a huge following, this tactic will usually
work, as the members seem to have a cult like following, using denial of losing
hundeds or thousands of dollars as a means to want to believe the admins words.

#3 - Slower and slower withdraw delays. Excuse after excuse, on top of excuse.
As more and more delays occur, less new spends come into the system, thus
creating even longer delays. By this time the ponzi is doomed for failure, and
the admin has resorted to making up more and more excuses for the long delays.

If you see one of these three characteristics in a program, we recommend you
stay away.


----------------------------------

Please note this newsletter is edited in part and we only reproduce an extract of the full text. This is done with permission of the HYIP Mailer Admin.

Geoff



Posted by: forwardone

Quote:
HYIPMailer.com - HYIP Newsletter #124 - 5/23/05

-------------------------------------------------
http://HYIPMailer.com Newsletter #124
NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - HYIPs are not the only Internet scams around

-------------------------------------------------

I - HYIP NEWS/NOTICES UPDATE

* Talkgold has just launched their international HYIP Folders. They currently
have folders for Chinese, Russion, and Polish languages. They are still looking
for someone to moderate the Polish forum.

* Major ddos attacks continue to plague the HYIP arena. Many well known, long
paying programs have been affected. Prime-fund, Syncinvest, and many others
have all been under or are still under attack. According to KatzGlobal, the
attacks have hit 10 servers and over 1000 sites.

* GoldClubs.org has been hacked. It seems as though the hacker is trying to
steal the script and resell it. He has been threatening numerous other rating
site admins, trying to bribe them for cash.

* Pips and Picpay continue have major issues. Withdraws for members are still
behind almost 5 months, and now Merchant withdraws are starting to back up.
Bryan claims everything is on track for withdraws to speed up, however we will
believe it when we see it.

* 4x-Club has had a change in management. Charles Handon has handed over admin
duties to Peter Furnell. They have also recently removed their forum from
Talkgold.

* Cash Investment, a program which offered 10% per month, has stopped paying
out. They started in February and were recorded as paying for 2 months. Looks
like they are gone for good.

* Win4HYIP has also stopped paying out. This program started about 10 weeks
ago and offer 5% per day. Through their lifespan they had several downtimes and
problems.

* SMI Invest has also stopped paying out members. It has been reported that
over the last 2 weeks they started to only pay the monitoring sites. Looks like
these scammers have run off.

* Synergy Gold has stopped paying. Many members reported errors on their site
saying that they were paid when in fact they were not. Looks like these may
have been admin created errors. Anyway, they program now looks like its gone
for good.

* Brian of talkgold has also reopened the HYIP Scam Directory. He wil
supposedly be gradually adding posts for each scam from the last year. Members
are free to reply to the posts and add additional information:
http://www.talkgold.com/forum/forumdisplay.php?f=96

* Other programs which have stopped paying out are: FXPartner, HYIP Profit,
Clear Phase, Profit Offshore, Lend 2 Earn, and Smiles Gold.

* If you are looking for DDOS protection for your site and can afford $50/month
for hosting, please contact us at hyipmailer@gmail.com.

-------------------------------------------------

II - HYIPS ARE NOT THE ONLY INTERNET SCAMS AROUND
Author Nick Chaney

There are a million scams lurking around on the internet. I sure hope you’ve
never been the victim of one, but chances are you’ve probably noticed a least
one scam. A lot of these scams can be luring and tempting and can easily be
detected…if you know what you’re looking for.

I’m very passionate about alarming people of various internet scams, in hopes
that they will save their money! For this reason I would like to take the time
and inform you of the scams I have almost fallen victim to.

I was in the comfort of my own home, searching around on the internet for
various wholesale information and companies. I received an email from a
“wholesaler” that claimed to have a small yet successful electronic business. At
a first glance this person seemed to be a legit supplier of very well priced
electronics. He provided me with an eBay ID, web address, and a few comforting
words.

The first part of the puzzle that didn’t fit came when I searched for his ID on
eBay. The ID showed up with a very large number of positive feedbacks, but none
of those feedbacks were as a seller. That seemed somewhat suspicious to me, I
contacted him and was told that they were looking for resellers of their
products for that reason they didn’t sell on eBay. I thought to myself, well, I
guess that is a decent explanation.

I asked many questions, many of which were answered. The only questions that he
“forgot”/avoided to answer were questions of personal information (phone #,
address, etc...).

I also was concerned because the seller was located overseas and there is not a
lot of recourse in case a problem a rised. I let him know and he directed me to
an escrow service. He reassured me that by using escrow neither parties would be
able to scam one another. He directed me to
http://www.global-parcel-service.org, at first glance this “company” looks to
run a legit business.

After I thought about it for awhile I realized how fishy a company with a
UPS-like logo that I’ve never heard of. I typed in a few variations of global
parcel service into the Google search engine and to my astonishment there were
very few results. The only results I received were message board posts of
http://www.global-parcel-service.org being a front for scams!

The moral of this story is to do your research!

-------------------------------------------------




Posted by: forwardone

**NEW: Advertise at http://www.HYIPMailer.com - Best Rates anywhere!

-------------------------------------------------
http://HYIPMailer.com Newsletter #125
NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - Your Worst Enemy To Successful Investing - The Media

-------------------------------------------------

I - HYIP NEWS/NOTICES UPDATE

* Major DDOS attacks have continued into this week. Most of them have stopped,
however certain programs are still being

attacked.

* If you are looking for DDOS protection for your site, please contact us at
hyipmailer@gmail.com.

* Popular HYIP, Reality Millions, plans to go private on June 25th, meaning
that they will no longer accept new members

from that date forth.

* Pips continues to issue excuse after excuse for delays. Delays are now just
over 5 months for withdraws. Bryan claims

that December 2004 withdraws should be completed on Tuesday May 31.

* Tatijano, and Kenya Adventure, both part of the Mycrosoft network of sites
seem to have stopped paying out. Kenya

Adventure has been offline, while Tatijano has simply stopped adding interest to
peoples accounts. We'll update you should

any more info become available.

* One Invest looks like it is gone for good. There were rumors that they were
under a DDOS attack, however this does not

appear to be the case.

* Private Funds Club Looks to be gone for good. Initially, the admin claimed
that they would be restructuring the

programs, however it looks like this program has simply been neglected.

* Hermann Invest looks to have stopped paying out. This program offered 3.5%
per day and launched back in the begining of

this month. There has been no word from the admin.

* A Rating site, GoldVote, has been accused of spamming hundreds of HYIP
investors/admins as well as stealing part of the

script and blackmailing the owner of Goldrater.com

* Other programs which has stopped paying out are: On Invest, BFX Invest,
Inter Funds, Exponent of Funds, Wealth

Generation Club, Edengold, and ali Invest


-------------------------------------------------

II - YOUR WORST ENEMY TO SUCCESSFUL INVESTING - THE MEDIO
Author Ulli G. Niemann

How do you make your investment decisions and where do you get your information?
If you're like most of the people I know,

you look to the experts.

That's fine, however it's important to be aware that for every expert, there's
an opinion and for every opinion there's an

expert. I have a friend who says that opinions are like noses: everyone has one
but you wouldn't live in anyone else's nose!

Around the first of the year, along with the New Year's resolutions, come the
New Year predictions for what will be hot and

what will not. As if that isn't enough to produce a massive case of information
indigestion, now we have the cable financial

shows with pretty much the opinion of the hour.

What this is producing is a frenzy of buy and sell activity for stocks in
general, and now for mutual funds as well. I don't

think this approach serves either the investors in particular or the funds in
general.

The big problem with this for mutual fund investors is that all the experts are
recommending different funds. It might be

one thing if experts had a solid basis for their perspective. If they did, then
you would think their recommendations would

line up and they'd all be touting the same thing.

But they don't and they aren't. Oh sure, each one of them can make a good case
for their pick. But so can the next "expert."

And usually both of them won't be right (if either of them is). So, where's the
value in this for you? Beats me.

Another problem with this approach is that many experts recommend different
funds at different times, and, in an effort to

be in the hot fund, investors keep moving from fund to fund.

In the same breath, the experts are telling us to invest for the long term.
Well, I can't figure out how to do both: be in

the latest hot fund, and hold what I've got for the long haul.

The downside of all of this for the funds is that sometimes a fund touted as the
hot one to be in attracts so much

investment attention (i.e., money) that it grows beyond its original intention.
At that point, it loses its direction and

the very thing that made it strong is sacrificed. And guess what happens to the
performance?

So, in the midst of all the hawking and hype for this fund or that, what's an
investor to do to make intelligent choices?

For myself and my clients I use a trend tracking methodology, which identifies
long-term trends in various markets. I

research funds for stability and reliability as well as current performance.
Then, when our trend indicator signals a Buy,

we select our mutual funds based on momentum figures for various time periods to
arrive at the most promising fund(s) to use

for this cycle.

This gives us a head start and sometimes, weeks after we've bought a fund, I see
it written up in financial papers as being

one of the best performers.

Does this approach always put us in the number one fund? Maybe not. But we are
almost always in funds that are doing very,

very well. And do we get in at the bottom and out at the very top? Again, maybe
not.

However, I can tell you that, using this methodology, my clients and I followed
the sell signal we got in October, 2000, and

were safely invested in solid money markets when the stock market crashed and
burned.

Is this approach for you? It depends on how much adrenaline rush you like when
you watch your investments. Personally, I

fulfill my thrill quotient with other things in life and enjoy sleeping at night
when it comes to my investments.


About The Author

Ulli Niemann is an investment advisor and has been writing about objective,
methodical approaches to investing for over 10

years. He eluded the bear market of 2000 and has helped hundreds of people make
better investment decisions. To find out

more about his approach and his FREE Newsletter, please visit:
http://www.successful-investment.com



Posted by: Hardlyworkin

I find these mailers very informative myself.



Posted by: forwardone

Quote:
HYIPMailer.com - HYIP Newsletter #126 - 6/17/05

http://HYIPMailer.com Newsletter #126
NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - The Importance of Background Verification
III - Some Interesting Forum Discussions

-------------------------------------------------

I - HYIP NEWS/NOTICES UPDATE

* http://www.rankhyips.com has just launched. Its a new type of HYIP rating
site, suppsodely cheat proof. Basically it is something like ministry of gold.
however it uses the database from talkgold.com. It then weights peoples rates
using a formula dervived from talkgold participation.

* Pips has taken a turn for the worse. In the last week, Picpay has been
locked to spending, Bryan has planned on taking the forum down, and the withdraw
situtaion has not improved. Things are looking pretty bad. Unless withdraws can
pick up very soon, it looks like pips is dead in the water.

* The DDOS attacks are still continuing to hamper the HYIP arena. Now, not
only are programs under attack but so are some HYIP forums and rating sites.
There has been some good news in that a few of the major programs which were
under attack are back up and running.

* Trust Proposal, a program which had been paying out for almost 8 months has
simply went offline without a warning. Things don't look very good for the
future of this program.

* Golden Reality has stopped paying out its members. This program lasted a
good 4 months, but has simply stopped paying without any admin notice.

* VIP Invest Has also stopped paying out. They offered a little over 1% return
a day, but has went offline. There has been no update from the admins.

* Other Programs which have stopped paying out are: Sinian LTD, Steady Stock
Corp, Einvest, sbesthyip, impex Investment, and Viko-HYIP.


-------------------------------------------------

II - THE IMPORTANCE OF BACKGROUND VERIFICATION

Article Summary: Today's society has created an environment that requires
business owners to be armed with numerous tools. Many employers currently spend
little time verifying the accuracy of employment applications and the cost of
not doing normal due diligence can be staggering.

Consider:

An HVAC company recently paid $750,000 to a customer who was raped by a service
technician. His employment application indicated no criminal convictions and the
employer did not perform a complete background check.

An employee who had previously been convicted of passing bad checks forged
signatures contracts. The court judged his employer negligent and awarded
$175,000.

After driving for a telephone company for only a week, an employee was involved
in a traffic accident. The jury learned that the company never saw the
employee's driver's record which had five tickets within 18 months. They awarded
the injured party $550,000.

Companies often don't adequately screen their new applicants. They should.
Crooks and cons can cost your company a fortune.

Even if it were as simple as making an informed choice between a great service
technician and one with an untrue work history, wouldn't a small investment be
worth it. In today's business environment of easy access to computer systems and
the proprietary information stored on them, even a temporary employee can wreak
havoc on a company in a very short amount of time.

Corporate management has enormous pressure to hold employees to the highest
ethical standards. Background checking cannot give employers everything they
want but, there are data bases and sources for many other kinds of information;
criminal data bases, sex-offender registries, workers compensation histories and
of course critical screening for drivers licenses, employment history and
educational history.

Bad hires can be devastating for a firm. Even a low level employee might mange
to embezzle a few thousand dollars or drive away customers or at the l east
consistently not show up for work costing you your hard earned customers
business.

While it might be impossible to safeguard a company against every potential act
of dishonesty, Hiring professionals can minimize the chances for unscrupulous
behavior by understanding who it is they are really hiring. This means
developing easy to institute background checking procedures that are utilized at
all levels of the organization.

About the author:

Stephen Spain, the COO of MECHdata that operates VERICRUIT, an online background
checking service, recommends every new hire be screened at a minimum for
driver's history, social security card verification and a local criminal history
check. It is important to know who you are really hiring and this verifies the
applicant is basically who they say they are. In this era of heightened concern
about terrorism, theft and the risks involved with negligent hiring your need to
be very careful about who is being brought into your business. Doing the proper
due diligence on an applicant is critical to making informed decisions and
building your firms business reputation.


About The Author

Stephen Spain is the COO of MEPatWORK.com, an industry job board for HVAC,
Mechanical, Electrical and Plumbing trades. Spain collaborates with a team of
experienced professionals to help job seekers and employers work together.

sspain@mepatwork.com

-------------------------------------------------

III - SOME INTERESTING FORUM DISCUSSIONS


* How is HYIP Pronounced?
http://talkgold.com/forum/r23602-.html

* Real Investment Programs?
http://talkgold.com/forum/r23541-.html

* Recommended HYIPS?
http://web-life.org/vb/t3089-.html

-----------------------------------





Posted by: forwardone

Here`s the latest HYIPMailer Newsletter, which I have to say contains a some good information. What`s happening in the HYIP World, which programs have closed, what`s going on in the forums, and usually there`s an interesting article written by someone on the `outside.`

Quote:
-------------------------------------------------
http://HYIPMailer.com Newsletter #127
NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - A Remedial Course in Investing

-------------------------------------------------

I - HYIP NEWS/NOTICES UPDATE

* http://www.rankhyips.com is out of its beta test. All features are now
working properly with some additional features to come. For those of you that
don't know, RankHYIPs is advertised as a cheat proof rating site that uses
complicated formulas and cheat proof techniques to give an accurate precise
rating.

* Pips Has Taken down its forum. There is no public communication between
members of pips besides at alternate forums like Talkgold.com and Web-Life.org.
Bryan will be giving news updates when members log into their accounts. Right
now things don't look all that good. By all means, DO NOT invest into this
program for now.

* Trust Proposal, a program that was well respected and had been paying out for
8 months straight has finally stopped paying out. The website is down and there
has been no word from the admin.

* DDOS attacks continue to affect the HYIP arena. They seem to have let up a
bit, but HYIPDiscussion has been have issues for the last 10 days. Rainier has
said that they are working on a solution and things should return to normal
shortly.

* E-Gold Traders Club has also stopped paying out its members. They offered
2.2% return a day, bit simply stopped paying out without a warning. Looks to be
done for good.

* Rich Dad, a program which offered 6% return daily has stpped paying out after
3 weeks.

* Pro-profits has been under a major DDoS attack, but have finally returned and
started to make payments again.

* http://www.Web-Life.org/vb has welcomed in 2 new moderators who have are well
respected and knowledgable in the HYIP arena. They have also added a few new
Unique HYIP discussion Folders.

* Other Programs which have stopped paying are: Stock Trader, Fantastical
Profits, HYIP Experience, Wilsons Investment, FINHYIP, HYIPBless, Pro Traders,
IT4Gold, Truman Investments, and United Pool


-------------------------------------------------

II - A REMEDIAL COURSE IN INVESTING
By Carol Clark

(ARA) - Was it really just a year ago that we were all running around trying to
prevent computers from coming to a grinding halt on the first of January, and
speculating about civil unrest and traffic jams around the globe?

Time flies, even if the ensuing year hasn't been much fun for investors. In
hindsight, I'd say the real Year 2000 Bug was the gut-wrenching flu that struck
the stock market, bringing a big dose of reality back into the picture.

For those of us who have participated in the investment arena for more than just
the past couple of years, 2000 will likely go down as "not unprecedented and
long overdue." For the investors who have come to the party more recently, it
was a brutal, eye-opening, and sobering experience. Buying every dip didn't
work. Dot-com IPOs didn't work. This year was truly a coming-of-age experience
for millions of "adolescent" investors.

Those willing to stay the course benefited from a number of important lessons.
In the style of that famous late-night talk-show host, here are the "Top 10
Things We Learned about Investing during the Year 2000."

Lesson Number 10: Yes, Virginia, There is a Wealth Effect.

I get frustrated when strategists point out that there's little correlation
between what the stock market does and how optimistic consumers feel. Virtually
everyone is involved in the market -- at least tangentially. And it's only
natural to think twice about every purchase you make when the value of your
investment portfolio is declining by double-digit amounts. Just ask the folks
whose loans are tied to severely under-water stock options: Negative debt
positions have a funny way of curbing spending.

Lesson Number 9: Rapidly Rising Markets Make Questionable Stocks Look Like Good
Investments.

This is similar to the fact that floodwaters make a lot of things float that
aren't actually boats. In a heady environment, the quest for the quick buck
rapidly overtakes common sense, and companies with questionable business plans
get funding (from venture capitalists) and attention (from analysts hoping for
investment-banking business). Just because someone is willing to fund it or
follow it doesn't make it a legitimate business plan or a viable long-term
investment.

Lesson Number 8: Dot-Coms as an Asset Class Crashed; Dot-Coms as Businesses
Didn't.

By some estimates, 95 percent of the pure Internet companies that went public in
the past couple of years eventually will fail. Many already have done so -- with
a lot less fanfare than when they were offered. Nonetheless, their very
existence scared the daylights out of many "old-line" businesses, which quickly
responded with their wherewithal, existing infrastructure, and newly energized
management. These "new Old Economy" players are now wiser, stronger, and more
nimble thanks to the brief threat from on-line competitors. I'm sure it's sweet
justice for them to have the employees who jumped shop for greener pastures come
running back -- even as the stocks of dot-com competitors fade faster than
Fourth of July fireworks.

Lesson Number 7: Investing isn't for Wimps.

Gambling (read "day trading, IPO flipping, buying on hot tips, et cetera") is
best done in casinos. Even though the economy, technology, and the world
political scene all change, certain basic rules don't. To be a lasting entity, a
company has to make a profit at some point. Another way to look at it is that in
an economy growing at 3 percent or even 7 percent, most companies can't grow at
30 percent or more for an extended period of time. Investing requires thought,
not hot tips. It requires thorough research, not direct-from-the-management PR.

Lesson Number 6: Leverage and Volatility are a lot More Fun on the Upside.

For five years prior to 2000, both the stock and bond markets basically went up,
as the best of investment environments -- improving productivity, declining
interest rates, stable political environment -- kept getting better.
"Volatility" was great, because it really only went up. While a lot of folks
suspected things were going too far in one direction, it was too exhilarating a
ride to disembark. The flip side of volatility became painfully obvious as 2000
dragged on, however, and many high fliers plummeted from triple digits to double
digits. . . and then on into single digits.

Lesson Number 5: "Asset Allocation" isn't such a Nasty Phrase After All.

Our reacquaintance with the dark side of volatility and leverage introduced many
all-equity cowboys and cowgirls to the concept that owning a few bonds, some
real estate, or (shock of all shocks) a higher cash position might not be such a
bad idea after all. A little stability in one's portfolio might, in fact, allow
a day or two of rest for the Tums bottle.

Lesson Number 4: Even if Your Statement Shows a Gain, the Money isn't Yours to
Keep.

This was perhaps one of the toughest lessons to learn, as we all became
mesmerized by our steadily rising brokerage account balances. Yet the reality of
investing is that until you convert some of the asset to cash, the gain is not
truly yours to keep. (And even the process of conversion means giving up some of
your gain to the IRS and inflation.) The bottom line is that whether you convert
assets or let them ride, the stock market doesn't "owe" you the 20 percent or 30
percent annual gains to which many of us became accustomed. The long-term
average is still closer to 8 percent or 10 percent.

Lesson Number 3: Time and Rest are the Best Cures for the Flu.

As painful as it was, we hope last year will prove to have been a beneficial
rest period in an overall upwardly biased market. It has been useful for
wringing out some of the speculative excesses spawned by hedge funds, venture
capitalists, day traders, newcomers, and leveraged participants. Last year
forced all players to re-examine their strategies and focus on thorough
analysis.

In the meantime, the economy has been healthy. Corporate America has become even
stronger and more competitive. And valuations have retreated to more comfortable
levels -- all of which leaves stocks well-positioned for the coming years.

Lesson Number 2: When the Going Gets Tough, the Tough Stay Put.

Despite the frustrating nature of 2000, it still wasn't worthwhile to jump in
and out of the market. Many studies (and even more war stories from market vets)
will attest to the fact that no one can successfully pick tops and bottoms. If
you want to fully participate when the market starts to move, you have to be in
place already. If your analysis has been patient and thorough, you will be
positioned in the companies that are likely to lift off first.

Lesson Number 1: Fear and Greed Still Rule the Roost.

Since the earliest days of American trading under the old buttonwood tree, these
two emotions have ruled investors' actions. That's true despite the attempts of
business-school professors to prove that some scientific system guide investors'
choices. It's been a long time since we've seen widespread fear, but it's
somewhat reassuring to know that the more things change, the more the basics of
investing stay the same.

Carol Clark is a principal with Lowry Hill, a comprehensive, private-wealth
management firm with $6.9 billion in assets and offices in Minneapolis, Naples,
Fla. and Scottsdale, Ariz. She can be reached at cclark@lowryhill.com.

Geoff



Posted by: Hardlyworkin

Thanks Geoff I get the same newsletter emailed to me as well and find it very informative. It's good that you are posting it here for other members who may not be subscribeing to see it.



Posted by: Luxor

I liked it better when the articles were written by the writers rather than taken from an outside source.



Posted by: tomreidy

Slightly off-topic I'm aware, but I was hoping someone could help direct to me. I have written to the authors/Web site of the above hyip navigator offering to no avail requesting past archive issues. If anyone knows how to get a handle on the situation for me, could you either reply here, or ask someone to send it directly to my e-mail at tjrluvshta@yahoo.com?

Many thanks,
Tom



Posted by: forwardone

Quote:
-------------------------------------------------
http://HYIPMailer.com Newsletter #129
NEWSLETTER INDEX - SECTIONS
I - HYIP News/Notices Update
II - The Tell Tale signs of a Solid HYIP
III - Some Interesting Forum Discussions


-------------------------------------------------

I - HYIP NEWS/NOTICES UPDATE

* http://www.RankHYIPs.com has added quite a few new features in order to block
as many cheaters as possible. This site is virtually the only Cheat Proof
Rating site online.

* Pips and Bryan Marsden continue to claim that things are moving along well.
It is quite obvious that this is not the truth. Until withdraws are totally
caught up, do not spend into this program. Another handfull of cease and desist
orders have been issued from various other US states.

* Global Financial Trust continues to have loading issues. The site has been
down for 3 days now, and we have not heard anything from the admin. Hopefully
it's a DDOS attack rather then a scam. They have been paying for over one year
now, so we will give them the benefit of the doubt

* Sonic Invest is still reporting DDOS attacks, as well as a subsequent
database problem.

* Golden Universe, a program which offered 5% return daily has stopped paying
out. Looks like this is just another scam.

* Jordan Trust Has stopped paying out as well. We have reports from their
hosting company that they have failed to renew their hosting, meaning that it
sure looks like this is a scam.

* RockcoHYIP has had their hosting suspended. Looks like this program which
launched only a week ago is already gone.

* Other Programs which have stopped paying out are: E-Gold Profit, Alpha Gold,
Golden Steps, SecureFX, and Stat Group.

-------------------------------------------------

II - THE TELL TALE SIGNS OF A SOLID HYIP

Over the last 30 months we have been able to study a vast amount of data from
literally thousands of HYIP's. Some programs last 2 days, while others last 2
years. If investors could figure out which programs would last 2 years rather
then 2 days, then there is a substantial amount of money to be made. Inspired by
a post at Talkgold.com, we have put together a list of just a handful of
characteristics which tend to be present in programs which last longer then 6
months.

#1 The presence of a unique concept or idea:
There are thousands of Programs which offer 1, 2, 3, 4, or 5 % per day forever.
These are a dime a dozen. However, its those admins which come up with a new
concept, or have a good background story behind their programs (whether honest
or not), which tend to run the longer lasting programs. Examples are: Studio
Traffic, Pips, NovaLights, and It4us.

#2 The presence of a unique script:
In all our studies it is very evident that those programs which have a unque
design and script, tend to last much longer then those programs which use the
cheap $70 scripts which all look the same. The reasoning behind this is that
The admins which use the unique scripts spend a ton of time developing them,
thus meaning they will not pull a quick runner. They are most likely in it for
the long haul.

#3 Good Domain name and paid hosting:
Programs which use free hosting accounts and free domains are usually the
programs which will close within a couple weeks. Having said this, this is not
as true as it used to be a year or so ago.

#4 Heavy Advertising:
Programs which advertise heavy and for long terms usually stick around quite a
while. If we all could know how long each program has pre-purchased their ads
for at various HYIP related sites, we'd all be rich

In conclusion, programs which follow 3-4 of the characteristics above can be
considered as good bets. Having said this, there are exceptions to the rule.

-------------------------------------------------

III - SOME INTERESTING FORUM DISCUSSIONS

* Average Lifespan of an HYIP?
http://talkgold.com/forum/r25758-.html

* Vote here for the best HYIP/Autosurf
http://talkgold.com/forum/r26448-.html

* Hackers, Hackers, Hackers
http://www.web-life.org/vb/t4559-.html

-------------------------------------------------






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