Fiscal Opportunities on the net - Rules I play by 
Read this section thoroughly - it represents 10+ years of "been there - done that" and here's how to play in this arena. If you get through this informational section and still want to invest in net stuff, here  is the stuff I invest in. I make my living entirely off of internet programs; in fact we live in Mexico now using an FM-3 permit which does not allow me to work in Mexico so I HAVE to make my living off of these programs. This site is a global sharing of information and strategies of those of us participating in different programs found on the net we use to increase our income. These are not MY programs but things others around the world have brought to my attention, that I have joined , and I make my income with . Be wary of big brother who claims that virtually all programs on the net are ponzi's and will bust you for promoting them if he so chooses. Been there and done that also. Big brother" calls it "illegally promoting ponzi and pyramid schemes" if we show you a program that has a referral fee associated with it.  Doesn't matter if  it is legit or not. However it is rare to find a program that does NOT have a referral fee associated with it. Programs that offer you a referral fee without you having to join them or pay a fee for that privilege cannot be considered illegal by big brother. Get more info on this issue here.  

Ironically some MLM's ARE registered with SEC and DO have referral fees associated with  them also, but then it is legal to promote these. Gifting Clubs, although having legal laws behind them, are for most part considered an illegal activity to promote by SEC and FED. You can join them, but you can get the ax and an expensive lawsuit for recruiting others. I no longer do gifting clubs, but primarily because gifting clubs hurt others downstream. You may win a round or two up front but SOMEONE downstream will pay for your increase. Just say NO to gifting clubs of any nature, kind, type, or sort. 

Intervention by governments have driven the upfront useful information of many of the HYIP investment programs further into the caves; because once they find them they freeze their bank accounts so they can't pay out; they intimidate their ISP's and webhosts so their websites get shutdown, they hire shills to stir up  trouble and complain in forums and have them send complaint letters to governmental offices  - all in hopes of making the opportunity then appear to be a scam and removing the opportunity from the peons to keep us broke.  This is our government at work. It is my opinion consumer fraud protection has little  to do with it anymore; although there is a great need for such considering the many programs that DO turn out to be scams on the net.  The real mission  however, appears to be  to keep the money away from the have nots. It's all part of the new "World Order" being put in place by the "Illuminati" and the first step is to break the people financially. In reality the net is doing a pretty good job of policing itself against scammers; many websites  and other  informative newslists are available which keep you abreast of which programs are probably scams. Go to here to see some of those sources. 

Posting disclaimer statements and warning pages on your websites and in your newsletters offers you NO protection against SEC's incarceration. And they will come after you if you have a website or just tell others via email or newlist newsletters. We are beyond what's right at this point in time; our governments have become bully's and waste our money on keeping information from us instead of helping us. 

If you enter into any of the programs  on the net, it is of your own choosing; realizing HYIP's is an arena of high risk for most of the programs found.   I do NOT offer investment advice. I only share with you what I do, which has come to me from others doing the same all around the world. I charge nothing for what I share with others, even if I have paid for that information from others. It would be presumptuous to assume ALL  programs and  opportunities are going to reward you with a return; some will  fail due to the nature and volatility of this arena. But, sow enough seeds and many will grow.  Protection lies in a simple strategy; go wide with little bits seeded in the best programs you choose to enter. NO BIG SPENDS in any one program! Our philosophy and  gameplan to create income in this internet arena is  simple and has been working in spite of the many program failures. Overall black ink is the mission here and is attainable IF you follow the rules laid down by the more seasoned. A good  gameplan is to develop a $2k to $4k /month income  by funding a total of 10 or more different programs paying out 5% to 15% a month each with a total of $30,000 to $40,000 invested over the course of several years. And weight your investments more towards programs that pay 6% to 8% to 10%/mo. We have discovered that the real stuff lies in the 6-12%/month programs; with some exceptions going to 20-25%. The 1.5%-5% daily pays are just pure ponzi's and will rob you blind. They are not real. DON'T play with them. Look in the rating forums and you will see hundreds of these there and none of them more than a month or two old and most of them LESS than a month old.  I prefer the  monthly pays. To expect a program with an annual payout promise to still be around at the end of that year is optimism. 

RULE #ONE!!! -  DON'T FUND NEWBIES except with a minimum to get your foot in the door if they are closing to new membership. Don't put your money in ANY program that  offers only an e-gold number to do a spend to and a yahoo, ziplip, hushmail, or hotmail address as the only means of communication with them. These programs IF they have a website will usually have a FREE website from Homestead, Tri-pod, Geo-Cities, etc.   Your chances of turning a profit with these ops are very very bad - there have been  hundreds of failed programs using this agenda. This goes for most ALL of what we call quick "in and outs" also, but can also apply to very professional looking websites that give you virtually NO contact point information.  

Only invest or participate in programs that give you a phone number to speak with and a fax number  and a program manager's name to deal with as well as a snail mail address and place of doing business from. Or at least make sure your sponsor or someone upline has this information or don't participate.

I normally will not fund any program that does not have a track record of at least 6 months to a year or more.  Some I will join with a minimal spend and watch them over the course of the next several months; if they are still around I will then add little bits to them as I gain confidence in them.  I don't fund ANY ground floor opportunities, and I don't fund things that come to me from people I don't know. 

Rule Two - Regarding trades and programs involving trades. 
Don't go fishing where you ought not to be fishing. This advice comes from my mentor. I can't emphasize the importance of this strong enough. Let me say a couple words about doing so-called 'due diligence' on paper trades.  IF the little investor understood even a fraction of what this is all about, they would know that DD is not something that can be done on these.  If you are coming in with 10MM, you will be able to satisfy yourself about legitimacy with irrefutable proof, because you will deal directly with the paperwork of the trade itself -- paperwork that even your own intermediary does not get to see.  Sometimes an investor with 1MM is lucky to be able to get a sole sig account and be privy to more info -- but it is not the norm.  As for the rest of us?  Forget it.  If you think you have to dig and snoop and post on DD boards, then get  OUT of this arena.  Let me spell it out:  this business is a PRIVATE sector.  There are no public registries, no BBB listings, no bankers or brokers who will confirm anything, nada, zero, zilch.  All that can happen by snooping is that you yourself will be cut out from the action, at best.  At worst, your digging will get the trade shut down in its tracks.  Hopefully, not by the SEC, but by more friendly entities, and you will at least get your money back.  For the small investor, this business is based on trust and personal relationships:  you know me, I know "A", "A" knows "B", who works with manager "C", who knows the trade facilitator "D", who knows the trader"E".  I don't necessarily know anyone else in the line.  I may be lucky to meet "B" or even the facilitator, but it is unlikely, in most cases.  "B" doesn't necessarily know the facilitator.  So, you see, there is often only one on one relations on up the line.  This is why we hope we can determine that we have a very short line, but your questions should only be asked of your immediate information provider.  You SHOULD not be trying to fish around upstream.  It only spells trouble. Also consider bank trading programs that offer 100% return per week or per month rarely if EVER come to fruition. I can count on half of one hand (the samll half) the trading programs that ever paid out from the many, many that I funded. Not to be confused with stock trading or forex trading programs - just stick with a 8-12% return program and it should work. 

THREE - don't put all your eggs in one basket; diversify a little money into a lot of areas so if one venture goes sour you still have the others intact to produce income. Some will go sour! If you don't enter this arena intending to fund many different things overall before you are done; you shouldn't be playing here at all - you will get burned. Funding two to three things with large amounts is suicide; just like it is in the stock market. Focus on the overall  " plan"; not on a program or two. 

Personally I keep 10-12 or more things funded well, KNOWING that three or four of them will probably go down and disappear. With that many funded, it allows you enough extra to find others to replace the ones that go down. This IS a continual replacement process if you want to remain in black ink. 

Build your program list up to no less then ten good programs, it may take time but this is the proper way.  Do not, I repeat, do NOT, lay your faith on a single program or two.  It will destroy you and make you bitter and blind in this arena. Always lay your faith on the "big plan" not on a  program, this is where the market splits into two groups of people, one ruled by broken faith the other group led by laying their faith on "the plan" and  not on a  program.  If you lay your faith, hope or belief on a program and it does not work, this intangible decision you have made with your will leads to destruction of your attitude, finances, personal well being and your sense of fairness. If your faith is destroyed or damaged you will lay a damaged faith on the next program you look at, or a damaged belief or a damaged hope and you will not find your way to investing with a good feeling and you will start missing the programs that pay.  If this is the case, when a program messes up, you can see why some turn bitter. I like to say to my members, if it is on your mind and it is starting to bug you, it is time to move on to another program. If you  want a good attitude and  lots of success, get your mind off the investments you're in and get focused on your plan. 

"The Plan" is to eventually fund 10 plus programs, and as soon as some pay out widen your programs to up to 20 or more. Your faith in "the plan" then matures and grows stronger as the overall  financial picture, including wins and losses, balances and produces  positive cash flow.  The programs themselves individually are not the focus except to try and do as much due diligence as possible so you enter the best 10 to 20 that are paying and have the longest track records. It's too easy to want to put ten or twenty grand into a couple programs and be done with it; but it is much safer to fund $500 to a grand in twenty different programs that are considered the best programs. Then when one or two or three or four fail; it's no big deal.  Concentrate on the "plan" not the "programs". 

FOUR - recoup your seed money from any one venture as soon as possible. Take your seed money back when you reach 2-1 or 3-1. Remain vested with THEIR money and not yours from that point on. Too many programs have started out fine, we get comfortable with them and start putting extra money in before the returns from the last spends come back  and then they fail. Don't reinvest more before you have been paid back - no matter how long it takes. A good rule I follow is to take my seed money back as soon as possible and only keep reinvesting half of the payout proceeds with each cycle. 

FIVE - don't let large amounts accumulate; take smaller profits often and you will see REAL money. Even from the most stable programs; take funds back often. Taking small amounts of profit along the way versus letting a larger amount accumulate before a program goes sour will allow you to see real money instead of missing out on what you thought you had. 

SIX - don't jump into new programs right away.   I know; "ground floor opportunity, be the first to establish your downline, first in gets the worm".  Wrong!   Truth is, MANY programs never make it through launch.  Why would you waste your time promoting a credit card scheme for example that had a month and a half to go before you could ever sign someone up for it and probably 2-3 months before they could ever see a card they could use; if they ever did.   I've been in some programs for over a year that have YET to launch. The facts??  If it's good this week it will be good next week or a month or three months from now.  Let the program establish a payout history with good customer service  before putting money into them. With some exceptions, I don't join ANY new programs right off the bat. If they are still around in another month  and everyone who is in them is happy with the program, then it's time to take another look at it.  Greed will suck your time and money up rapidly; read my lips!   NO NEWBIES, NO GROUND FLOOR OPPORTUNITIES!!!  

SEVEN - MORE on newbie programs - don't put large amounts of money into newbie programs no matter how good they look or how well they come recommended.  Time is of essence. Make the programs establish track records of paying out several months to a year before sticking three and four digit amounts in them. I can name many programs last year who paid out for three or four months and then disappeared. Just as everyone got comfortable with them and started putting some real money into them; they disappeared. Continue using the same strategy of recouping seed money asap and building your kitty with half the profits each time the program pays out; and putting half the profits into your pocket each payout. Small profits in lots of programs beats a big loss in a single program or two.

EIGHT - Set a limit on how much you are willing to put into any one program. My limit is that I will fund a program until it produces $1k/month and I will NOT put any more money into that program no matter how good it sounds, no matter how long it has been around, no matter how much it is touted. DON'T DO IT!  Set your limit and stick with it.  I have lost very significant sums into programs I felt were ROCK SOLID. They disappeared without a trace. Without this particular rule, I would be out in the streets begging just like many I give money to.  

Nine - anticipate some rough water ahead and weather it while the administrative end of some programs catches up with the trading and sign-ups as enrollments escalate. Most programs with small admins have no concept of how many people can enter a program off the net in a short period of time. It doesn't take long to get in a real pickle admin wise. And remember,  only fund programs that have real contact people; like real phone and fax numbers to communicate with, real snail mail addresses and places of business.   DON'T do business when the program gives you only an e-gold account number to do a spend to and a ziplip, hushmail, hotmail, or yahoo address as the only means of communicating with them. 

We prefer programs that earn you a return on your investment WITHOUT the necessity of sponsoring others; in fact that's the primary issue of why SEC wants to shut them down - referral pyramids, and even though many are not; SEC uses that as an excuse to crucify them anyway.

Be sure to read our FAQ (frequently asked questions),  "preambles", and "Must Reading" sections at the left for risk warnings and how to apply strategies so you end up with an overall portfolio that produces  black ink instead of red. The internet arena works at producing income for those willing to apply the rules above, but it is a vicious minefield for the uneducated and the "I'll do it my wayers". 

A good philosophy to apply in this arena is best described by Alexander Graham Bell 1847-1922, Inventor and Teacher of the Deaf:
"When one door closes another one opens; but we so often look so long and so regretfully upon the closed door, that we do not see the ones which open for us."  

This is very true in this arena.  If you want to see what I invest in, go to my dogpage.