This is the third part of a series of reviews in which we are summarizing what was presented in older HYIP Insights articles.  The intent of the articles that you read in HYIP Insights is to give you information that will enable you to better understand how the HYIP “Game” works.  And, this, in turn, we hope will make you a more successful investor.  We believe that the information we provide in the HYIP Insights articles is timeless; it is as relevant now as the day it was written.  This is the reason we are writing this series of reviews.  We hope that they will remind you of what we had to say in the original articles and that you will read them again.

HYIP Insights #10 — Let’s be Polite!  No More Scams!  This article by us was an attempt to “elevate” the HYIP business a little bit.  It was and still is popular to refer to an HYIP that closes its doors as a “scam.”  Perhaps that’s part of the way this business works, but we at EmilyNews don’t like it.  First of all, there might occasionally be an honest HYIP that comes along and, like many real-life brick and mortar businesses, simply doesn’t survive.  The guy running it may actually lose as much or more money than the investors.  Is it right to refer to his business as a scam?  Of course, most HYIPs ARE scams and we know this from the beginning.  Does it make sense to treat them as legitimate until the day they close and then suddenly decide then and there that they are scams?  Not really.  So, we have opted to stop using this rather strong word to refer to the businesses that we write this blog about.  So, on EmilyNews, there are no more scams, only businesses that close up shop.  This said, there is one type of HYIP that DOES bother us a bit.  This is the one that goes to great lengths to tell people over and over again what a great company they are.  After a while this gets stale.  We still don’t use the word “scam” to describe these guys.  But, we certainly don’t like them.  And, they close up shop just like almost everyone else…

HYIP Insights #11 — Is Compounding a Miracle or a Monster?  This was a very long three-part article.  In fact, it took me a while to read through it all!  In this article I gave a number of illustrations to show how amazingly profitable compounding of your earnings can be.  This is the “miracle.”  On the other hand, I warned that compounding is a very risky business.  That’s the “monster!”  I also worked through a number of examples of “partial” compounding, a compromise procedure where, rather than reinvest ALL of your earnings, you only reinvest a part of them.  If you feel an irresistible urge to compound, that’s probably the way to go.  In addition, I talked about doing compounding on your own — in case the program you are interested in doesn’t offer that feature.  You can always do this, although it’s not automatic and there will be slight time lags while making the reinvestments.  Finally, the article included a bunch of spreadsheet printouts so that you can see in detail how your principal and earnings can grow with compounding.  If you have a program that you are in love with and are thinking of compounding your earnings by reinvesting in it, you might want to read through this article.  It could give you some “insights.”

HYIP Insights #12 — An Investment Formula.  If you thought the previous article was a long one, this one is even more extreme.  I recall writing it and I kept thinking of additional ideas that seemed important.  By the time I was done, the article was FOUR parts long!  I believe that this was the article where I introduced the concept of “daily net interest” or DNI.  If you’re a regular follower of EmilyNews, you know by now that DNI is the best measure of the profitability of an investment plan because it is a single quantity that includes the effects of BOTH the interest offered and the length of the plan.  In the article, I referred to numerous programs that were active at the time and determined the DNI for each of them.    I also suggested dividing investment plans into low, medium, and high interest plans depending on their values for DNI.  Here’s what we suggested:

DNI less than 1%.  Low interest program
DNI between 1% and 2%.  Medium interest program
DNI greater than 2%.  High interest program

In the case of high interest plans which are the least likely to survive in the long term, we recommended getting involved with the program as soon as possible after it opens and then leaving the program as soon as the investment plan you are using ends.  We advised NOT investing in such a plan a second time.  Resist the temptation.  In the case of low interest programs where you are hoping for long term survival of the program in order that you will come out ahead, we recommended taking a thorough look at what the website has to say about the program (its “legend”) in an effort to get a feel for the probability of long term survival of the program.  For high interest programs, this isn’t really important as you expect the program to close quickly.  You just want to “get in and get out” as quickly as you can.  For Medium interest programs, anything can happen and you have to treat them on a case by case basis.  And, how you treat them might depend a lot on your personal investment strategy.  The cautious investor might treat them like a high interest program while the more adventuresome investor might treat them like a low interest program.

There is a lot more detail about all this in the set of four articles.  They would probably be well-worth a second look if you would like greater “insights.”


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