{"id":6656,"date":"2019-05-11T05:09:09","date_gmt":"2019-05-11T05:09:09","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=6656"},"modified":"2019-05-11T05:09:09","modified_gmt":"2019-05-11T05:09:09","slug":"hyip-insights-25-how-an-hyip-works","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=6656","title":{"rendered":"HYIP Insights #25 &#8211; How an HYIP Works \u00a0\u00a0\u00a0\u00a0"},"content":{"rendered":"<p><strong>Introduction.<\/strong><\/p>\n<p>Did you ever wonder how an HYIP really works?\u00a0 As the experienced investor knows, most HYIPs are simply games (Please see <a href=\"http:\/\/emilynews.com\/blog\/?p=355\" target=\"_blank\" rel=\"noopener\"><em>HYIP Insights #4<\/em><\/a> for our thoughts on this).\u00a0 They survive for a while and then they fade into the sunset.\u00a0 Most are \u201cPonzi\u2019s\u201d named in honor of Charles Ponzi, a gentleman who, in the 1920\u2019s, offered people in the US huge returns on their investments with him.\u00a0 It turned out that he was using the deposits of recent investors to pay the returns due to older ones.\u00a0 That\u2019s how a \u201cPonzi Scheme\u201d works.\u00a0 Ultimately, it HAS TO fail.\u00a0 Most HYIPs are in this category and that\u2019s why we consider them to be games; your goal is to break even with them and maybe even come out ahead &#8212; ideally WAY ahead &#8212; before they ultimately close.\u00a0 Of course, we always hope for the true online investment company to come along that is able to offer high returns based on income from a legitimate business.\u00a0 Sadly, such companies are few and far between\u2026<\/p>\n<p>The best point of view IS to treat all this as a game.\u00a0 And, if you want to win at a game, you should understand how it works.\u00a0 One way to get this understanding is to look at a specific numerical example.<\/p>\n<p>Let\u2019s talk about an investment plan that pays you 3% interest per day for 60 days.\u00a0 If you divide 100% by 3%, you find that such a plan would break even in 34 days.\u00a0 In our reviews of investment plans, we also determine average daily net interest, or DNI.\u00a0 For this plan, the total gross interest is 3% times 60 days or 180%.\u00a0 Assuming that this includes a person\u2019s investment, the total net interest would be 80%.\u00a0 Finally, dividing this by the 60-day length of the plan, you get a DNI of 1.33%.\u00a0 In our reviews, we would typically suggest that such a program might be able to sustain net interest payments at this level.\u00a0 This would be one of the BETTER investment plans that we encounter.\u00a0 But, is it really a sustainable investment plan?\u00a0 How do the actual numbers work out?\u00a0 What will happen if this program is, indeed, a Ponzi with absolutely no outside source of revenue?<\/p>\n<p>There are obviously an infinite number of scenarios that could take place for an investment plan such as this.\u00a0 Different investors will deposit different amounts of money into the plan and investors will enter the plan at different periods of time. \u00a0\u00a0The case that we will consider here is very simple to understand.\u00a0 We will assume that one new investor signs up for the program every day and that he invests $100.\u00a0 Then we will imagine that we are the Admin of the program and will take a look at how much money is in the balance of our bank account at the end of each day.\u00a0 My hope is that this will point out a few important characteristics of how the typical Ponzi-based HYIP works.\u00a0 This, in turn, might enable you to play our game a bit smarter that you have been playing it in the past.<\/p>\n<p><strong>The Numbers.<\/strong><\/p>\n<p>Following is a chart that gives a day by day analysis of this imaginary record of the program Admin.\u00a0 The first column is the number of the day.\u00a0 I\u2019ve let the analysis go on for 75 days.\u00a0 The second column is the total number of investors in the plan.\u00a0 You can see that every day, the number of investors increases by one until Day 60.\u00a0 That\u2019s when the term of the investment plan ends (for the first investor).\u00a0 So, every day after that, while there is still a new person signing up for the plan, but there is also a person leaving the plan.\u00a0 Thus, the number of investors in the plan remains the same after that.\u00a0 Sixty.<\/p>\n<p>Now, let\u2019s look at the third column, the \u201c$ IN\u201d column.\u00a0 This is the money that investors put into the plan.\u00a0 This is very easy to understand since every day a new person signs up and invests $100.\u00a0 So, the bank account gains $100 every day.\u00a0 Next, look at the \u201c$ OUT\u201d column.\u00a0 This is the money that the plan pays out to its investors.\u00a0 Every day our company must pay 3% (or $3) to each of its investors.\u00a0 So, at the end of Day 1, $3 is paid to the first investor.\u00a0 Likewise, at the end of Day 2, $3 must be paid to each of the two investors &#8212; a total of $6.\u00a0 Similarly, on Day 3, $9 would be paid out, and so on.\u00a0 Always $3 per day per investor.\u00a0 So, as time goes on, the amount in the \u201c$ OUT\u201d column increases until Day 60 when the number of investors is constant.\u00a0 From Day 60 on, the amount paid out remains constant at $180.<\/p>\n<p>The important column is the \u201cBALANCE\u201d column.\u00a0 This is the amount of money in the Admin\u2019s bank account at the end of every day.\u00a0 It\u2019s easy to see where these numbers come from.\u00a0 At the end of Day 1, you must subtract $3 from the $100 deposit to get a balance of $97.\u00a0 This is the starting point for Day 2.\u00a0 For Day 2, you add another $100 but you must subtract $6 (the amount in the \u201c$ OUT\u201d column) to get a new balance of $191.\u00a0 The balance continues to increase as the days go by.\u00a0 However, you will notice that it increases more slowly as time goes on due to the fact that the amount of money being paid out is increasing.\u00a0 The balance reaches a maximum after around 34 days.\u00a0 This is when the first investor will break even.\u00a0 After that, the program starts to lose money because it is paying out more than it is taking in.\u00a0 And, this gets worse every day as more and more investors break even and start to make \u201cpure profit.\u201d\u00a0 Even after 60 days when investors will be leaving the program, the program will still have to pay out more than it takes in.\u00a0 So, the balance will continue to decrease until it finally goes to zero.<\/p>\n<p>Well, if this were a real-life scenario, the Admin would close the program long before the balance goes to zero.\u00a0 Perhaps he might have closed it near the 34-day mark when he saw that the balance is starting to decrease\u2026<\/p>\n<p>OK, this is a very very simplified example.\u00a0 In reality, both the size of deposits and frequency of deposits will vary.\u00a0 But, still, there are a number of things that can be learned from this:<\/p>\n<ol>\n<li>If an HYIP has no outside source of income, it will definitely close.<\/li>\n<li>It is wise to invest with an HYIP as soon as possible after it opens.<\/li>\n<li>The longer you stay with an HYIP, the higher the risk of it closing becomes. So, you should probably NOT REinvest in an HYIP.<\/li>\n<li>Programs with break-even points that are relatively short are probably best. A month or so might be a reasonable limit.<\/li>\n<\/ol>\n<p>All of these factors are discussed in <em>HYIP Insights #21<\/em> (you can read it <a href=\"http:\/\/emilynews.com\/blog\/?p=3709\" target=\"_blank\" rel=\"noopener\">here<\/a>).\u00a0 Now you can see some numbers in support of our recommendations in that article.<\/p>\n<p>I hope this information is helpful.<\/p>\n<p>************************************<\/p>\n<table width=\"289\">\n<tbody>\n<tr>\n<td colspan=\"3\" width=\"173\"><strong><u>HOW AN HYIP WORKS<\/u><\/strong><\/td>\n<td width=\"55\"><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" width=\"129\"><strong>Case #1\u00a0 <\/strong><\/td>\n<td width=\"44\"><\/td>\n<td width=\"55\"><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"4\" width=\"228\"><strong>One New Investor Every Day<\/strong><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"4\" width=\"228\"><strong>Investment Amount = $100<\/strong><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td width=\"38\"><\/td>\n<td width=\"91\"><\/td>\n<td width=\"44\"><\/td>\n<td width=\"55\"><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"4\" width=\"228\"><strong>Program Pays 3%\/day for 60 Days<\/strong><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\" width=\"173\"><strong>Break even in 34 days<\/strong><\/td>\n<td width=\"55\"><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" width=\"129\"><strong>DNI = 1.33%<\/strong><\/td>\n<td width=\"44\"><\/td>\n<td width=\"55\"><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td width=\"38\"><\/td>\n<td width=\"91\"><\/td>\n<td width=\"44\"><\/td>\n<td width=\"55\"><\/td>\n<td width=\"61\"><\/td>\n<\/tr>\n<tr>\n<td width=\"38\"><strong>Day<\/strong><\/td>\n<td width=\"91\"><strong># Investors<\/strong><\/td>\n<td width=\"44\"><strong>$ IN<\/strong><\/td>\n<td width=\"55\"><strong>$ OUT<\/strong><\/td>\n<td width=\"61\"><strong>BALANCE<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"38\">1<\/td>\n<td width=\"91\">1<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$3<\/td>\n<td width=\"61\">$97<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">2<\/td>\n<td width=\"91\">2<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$6<\/td>\n<td width=\"61\">$99<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">3<\/td>\n<td width=\"91\">3<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$9<\/td>\n<td width=\"61\">$190<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">4<\/td>\n<td width=\"91\">4<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$12<\/td>\n<td width=\"61\">$278<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">5<\/td>\n<td width=\"91\">5<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$15<\/td>\n<td width=\"61\">$363<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">6<\/td>\n<td width=\"91\">6<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$18<\/td>\n<td width=\"61\">$445<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">7<\/td>\n<td width=\"91\">7<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$21<\/td>\n<td width=\"61\">$524<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">8<\/td>\n<td width=\"91\">8<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$24<\/td>\n<td width=\"61\">$600<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">9<\/td>\n<td width=\"91\">9<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$27<\/td>\n<td width=\"61\">$673<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">10<\/td>\n<td width=\"91\">10<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$30<\/td>\n<td width=\"61\">$743<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">11<\/td>\n<td width=\"91\">11<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$33<\/td>\n<td width=\"61\">$810<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">12<\/td>\n<td width=\"91\">12<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$36<\/td>\n<td width=\"61\">$874<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">13<\/td>\n<td width=\"91\">13<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$39<\/td>\n<td width=\"61\">$935<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">14<\/td>\n<td width=\"91\">14<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$42<\/td>\n<td width=\"61\">$993<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">15<\/td>\n<td width=\"91\">15<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$45<\/td>\n<td width=\"61\">$1,048<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">16<\/td>\n<td width=\"91\">16<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$48<\/td>\n<td width=\"61\">$1,100<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">17<\/td>\n<td width=\"91\">17<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$51<\/td>\n<td width=\"61\">$1,149<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">18<\/td>\n<td width=\"91\">18<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$54<\/td>\n<td width=\"61\">$1,195<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">19<\/td>\n<td width=\"91\">19<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$57<\/td>\n<td width=\"61\">$1,238<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">20<\/td>\n<td width=\"91\">20<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$60<\/td>\n<td width=\"61\">$1,278<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">21<\/td>\n<td width=\"91\">21<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$63<\/td>\n<td width=\"61\">$1,315<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">22<\/td>\n<td width=\"91\">22<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$66<\/td>\n<td width=\"61\">$1,349<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">23<\/td>\n<td width=\"91\">23<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$69<\/td>\n<td width=\"61\">$1,380<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">24<\/td>\n<td width=\"91\">24<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$72<\/td>\n<td width=\"61\">$1,408<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">25<\/td>\n<td width=\"91\">25<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$75<\/td>\n<td width=\"61\">$1,433<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">26<\/td>\n<td width=\"91\">26<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$78<\/td>\n<td width=\"61\">$1,455<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">27<\/td>\n<td width=\"91\">27<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$81<\/td>\n<td width=\"61\">$1,474<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">28<\/td>\n<td width=\"91\">28<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$84<\/td>\n<td width=\"61\">$1,490<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">29<\/td>\n<td width=\"91\">29<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$87<\/td>\n<td width=\"61\">$1,503<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">30<\/td>\n<td width=\"91\">30<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$90<\/td>\n<td width=\"61\">$1,513<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">31<\/td>\n<td width=\"91\">31<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$93<\/td>\n<td width=\"61\">$1,520<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">32<\/td>\n<td width=\"91\">32<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$96<\/td>\n<td width=\"61\">$1,524<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">33<\/td>\n<td width=\"91\">33<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$99<\/td>\n<td width=\"61\">$1,525<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">34<\/td>\n<td width=\"91\">34<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$102<\/td>\n<td width=\"61\">$1,523<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">35<\/td>\n<td width=\"91\">35<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$105<\/td>\n<td width=\"61\">$1,518<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">36<\/td>\n<td width=\"91\">36<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$108<\/td>\n<td width=\"61\">$1,510<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">37<\/td>\n<td width=\"91\">37<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$111<\/td>\n<td width=\"61\">$1,499<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">38<\/td>\n<td width=\"91\">38<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$114<\/td>\n<td width=\"61\">$1,485<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">39<\/td>\n<td width=\"91\">39<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$117<\/td>\n<td width=\"61\">$1,468<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">40<\/td>\n<td width=\"91\">40<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$120<\/td>\n<td width=\"61\">$1,448<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">41<\/td>\n<td width=\"91\">41<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$123<\/td>\n<td width=\"61\">$1,425<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">42<\/td>\n<td width=\"91\">42<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$126<\/td>\n<td width=\"61\">$1,399<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">43<\/td>\n<td width=\"91\">43<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$129<\/td>\n<td width=\"61\">$1,370<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">44<\/td>\n<td width=\"91\">44<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$132<\/td>\n<td width=\"61\">$1,338<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">45<\/td>\n<td width=\"91\">45<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$135<\/td>\n<td width=\"61\">$1,303<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">46<\/td>\n<td width=\"91\">46<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$138<\/td>\n<td width=\"61\">$1,265<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">47<\/td>\n<td width=\"91\">47<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$141<\/td>\n<td width=\"61\">$1,224<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">48<\/td>\n<td width=\"91\">48<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$144<\/td>\n<td width=\"61\">$1,180<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">49<\/td>\n<td width=\"91\">49<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$147<\/td>\n<td width=\"61\">$1,133<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">50<\/td>\n<td width=\"91\">50<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$150<\/td>\n<td width=\"61\">$1,083<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">51<\/td>\n<td width=\"91\">51<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$153<\/td>\n<td width=\"61\">$1,030<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">52<\/td>\n<td width=\"91\">52<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$156<\/td>\n<td width=\"61\">$974<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">53<\/td>\n<td width=\"91\">53<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$159<\/td>\n<td width=\"61\">$915<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">54<\/td>\n<td width=\"91\">54<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$162<\/td>\n<td width=\"61\">$853<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">55<\/td>\n<td width=\"91\">55<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$165<\/td>\n<td width=\"61\">$788<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">56<\/td>\n<td width=\"91\">56<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$168<\/td>\n<td width=\"61\">$720<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">57<\/td>\n<td width=\"91\">57<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$171<\/td>\n<td width=\"61\">$649<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">58<\/td>\n<td width=\"91\">58<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$174<\/td>\n<td width=\"61\">$575<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">59<\/td>\n<td width=\"91\">59<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$177<\/td>\n<td width=\"61\">$498<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">60<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">$418<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">61<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">$338<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">62<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">$258<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">63<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">$178<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">64<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">$98<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">65<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">$18<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">66<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$62<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">67<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$142<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">68<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$222<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">69<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$302<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">70<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$382<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">71<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$462<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">72<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$542<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">73<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$622<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">74<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$702<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">75<\/td>\n<td width=\"91\">60<\/td>\n<td width=\"44\">$100<\/td>\n<td width=\"55\">$180<\/td>\n<td width=\"61\">-$782<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>*********************************<\/p>\n<p>If one of the paying programs on our Monitor appeals to you, please support <em>EmilyNews<\/em> by registering for it on our website. Thanks very very much!<\/p>\n<p>*********************************<\/p>\n<p>Be the first to get most important HYIP news everyday!<br \/>\nSimply Follow <a href=\"https:\/\/www.facebook.com\/EmilyNewsOnline\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong style=\"text-decoration: underline;\">EN Facebook<\/strong><\/a>, <a href=\"https:\/\/telegram.me\/emilynews\" target=\"_blank\" rel=\"noopener noreferrer\"><strong style=\"color: #c03939; text-decoration: underline;\">EN Telegram<\/strong><\/a>, <a href=\"https:\/\/twitter.com\/EmilyHyipNews\" target=\"_blank\" rel=\"noopener noreferrer\"><strong style=\"text-decoration: underline;\">EN Twitter<\/strong><\/a><br \/>\nor Subscribe to <strong><a style=\"color: #c03939; text-decoration: underline;\" href=\"https:\/\/feedburner.google.com\/fb\/a\/mailverify?uri=Emilynews\" target=\"_blank\" rel=\"noopener noreferrer\">EN Feedburner<\/a><\/strong> and submit your email address!<\/p>\n<p>If you like this article, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction. Did you ever wonder how an HYIP really works?\u00a0 As the experienced investor knows, most HYIPs are simply games (Please see HYIP Insights #4 for our thoughts on this).\u00a0 They survive for a while &hellip; <a title=\"HYIP Insights #25 &#8211; How an HYIP Works \u00a0\u00a0\u00a0\u00a0\" class=\"exalt-read-more\" href=\"https:\/\/emilynews.com\/blog\/?p=6656\"><span class=\"screen-reader-text\">HYIP Insights #25 &#8211; How an HYIP Works \u00a0\u00a0\u00a0\u00a0<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":5043,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[116,53,2033],"class_list":["post-6656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hyip-insights","tag-emily-news-insights","tag-hyip-insights","tag-hyip-insights-24","exalt-entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HYIP Insights #25 - How an HYIP Works \u00a0\u00a0\u00a0\u00a0 - EmilyNews<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/emilynews.com\/blog\/?p=6656\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HYIP Insights #25 - How an HYIP Works \u00a0\u00a0\u00a0\u00a0 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"Introduction. Did you ever wonder how an HYIP really works?\u00a0 As the experienced investor knows, most HYIPs are simply games (Please see HYIP Insights #4 for our thoughts on this).\u00a0 They survive for a while &hellip; HYIP Insights #25 &#8211; How an HYIP Works \u00a0\u00a0\u00a0\u00a0Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emilynews.com\/blog\/?p=6656\" \/>\n<meta property=\"og:site_name\" content=\"EmilyNews\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-11T05:09:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/EN_BRAINS.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"200\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emilynews\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/EN_BRAINS.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emilynews\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=6656\",\"url\":\"https:\/\/emilynews.com\/blog\/?p=6656\",\"name\":\"HYIP Insights #25 - How an HYIP Works \u00a0\u00a0\u00a0\u00a0 - EmilyNews\",\"isPartOf\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=6656#primaryimage\"},\"image\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=6656#primaryimage\"},\"thumbnailUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/EN_BRAINS.jpg\",\"datePublished\":\"2019-05-11T05:09:09+00:00\",\"dateModified\":\"2019-05-11T05:09:09+00:00\",\"author\":{\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/d198218498e05856be72796eea940a33\"},\"breadcrumb\":{\"@id\":\"https:\/\/emilynews.com\/blog\/?p=6656#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/emilynews.com\/blog\/?p=6656\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=6656#primaryimage\",\"url\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/EN_BRAINS.jpg\",\"contentUrl\":\"https:\/\/emilynews.com\/blog\/wp-content\/uploads\/2018\/10\/EN_BRAINS.jpg\",\"width\":200,\"height\":200},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/emilynews.com\/blog\/?p=6656#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/emilynews.com\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"HYIP Insights #25 &#8211; How an HYIP Works \u00a0\u00a0\u00a0\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/emilynews.com\/blog\/#website\",\"url\":\"https:\/\/emilynews.com\/blog\/\",\"name\":\"EmilyNews\",\"description\":\"EmilyNews Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/emilynews.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/d198218498e05856be72796eea940a33\",\"name\":\"Emilynews\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/emilynews.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/080b41979dac9ab029c0867a1655bdaf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/080b41979dac9ab029c0867a1655bdaf?s=96&d=mm&r=g\",\"caption\":\"Emilynews\"},\"url\":\"https:\/\/emilynews.com\/blog\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"HYIP Insights #25 - How an HYIP Works \u00a0\u00a0\u00a0\u00a0 - EmilyNews","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/emilynews.com\/blog\/?p=6656","og_locale":"en_US","og_type":"article","og_title":"HYIP Insights #25 - How an HYIP Works \u00a0\u00a0\u00a0\u00a0 - EmilyNews","og_description":"Introduction. 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