How To Choose A Best Hyip

Nowadays the word HYIP has become a very common term in the cyber arena, even though a lot of people still have never heard of it before. It's even caught the attention of government financial departments to ponder on. Even the federal securities are talking about HYIPs. So what's the big story behind this four letter word? Let's find out through this detailed report, which is based on what I've learned from other experienced investors, some of which have several years of field experience in this arena.


What is High Yield Investment Program (Hyip)?
HYIP, which simply means High Yield Investment Program? It's exactly what it sounds like. These companies ask you to provide them with a loan of money and they promise to repay you with interest payments on a Daily / Weekly / Monthly basis.
The return you get on your investment ranges from very small to very large percentages and could be spread over a long period of time. You'll usually recoup your investment in about 2-3 months, and from then on it's pure profit.
HYIP's are probably the most profitable investments available now days. Some can give you up to 100% return on your investment per month. This industry is growing by storm everywhere on the internet. There have never been investment opportunities such as this to give such a high profit within the shortest time.

There are many different HYIPs on the internet with many different methods of payment and repayment.
Never invest in every single HYIP that is out there. Around 90%+ of these HYIP programs are scams. If you follow the advise in this guide, you'll make great profits like I do.


What do these HYIP Companies do?
Most of these companies will follow a unique investment strategy to gain a high level of profit. They manage their/your investment in the most efficient way to ensure the profit return for their clients. Some of them will invest in the stock market, others in property, bonds or forex. Most of the time a company will use a combination of investment opportunities to generate such a high profit margin. Each company usually has their own unique investment strategy.


Are HYIP's Legal?
The real HYIP's are legal, they're a form of investing, but they're only legal if you declare your earnings from them on your tax form, usually under 'capital gains' (similarly, you can put your losses on them as well).


Can there be fraud in HYIPs?
Yes there can be, and there are plenty of them online. From our research, as many as 90% of the HYIP programs out there are fraudulent programs run by scammers. They're are just there to take your money and run. These HYIPs usually last no more than 3-6 months. That's why it's wise to do your due diligence before investing any money.


Security
To start off with, the subject of internet security is probably the single most important subject to consider when dealing with money, or currencies on the internet. Hacking has become a major problem that cannot be ignored.
There are many methods used by the hackers of our time, and they're figuring out new ways to do it every single day. SpyWare and Keylogging programs are one of the most practiced forms of gaining information that's used to rob individuals of their funds from accounts on the internet.
It's also used to gain information so a hacker can gain entry to any program that you may belong to. I'm going to outline some methods to keep out the hackers, and I'm going to list some very good programs that can be acquired for free, and some that cost money.
It's my personal opinion that if you purchase the best security you'll have the best security, and if you intend to protect programs that involve a good deal of money, then you should consider the purchase of the best software to be a really good investment. So ... lets get started.

About Firewalls
This section is reprinted from Shields Up

A firewall ABSOLUTELY ISOLATES your computer from the Internet using a "wall of code" that inspects each individual "packet" of data as it arrives at either side of the firewall - inbound to or outbound from your computer - to determine whether it should be allowed to pass or be blocked.

How does a Firewall Work?
All internet communication is accomplished by the exchange of individual "packets" of data. Each packet is transmitted by its source machine toward its destination machine. Packets are the fundamental unit of information flow across the Internet.
Even though we refer to "connections" between computers, this "connection" is actually comprised of individual packets traveling between those two "connected" machines. Essentially, they "agree" that they're connected and each machine sends back "acknowledgement packets" to let the sending machine know that the data was received.

In order to reach its destination - whether it's another computer two feet away or two continents distant - every Internet packet must contain a destination address and port number. And, so that the receiving computer knows who sent the packet, every packet must also contain the IP address and a port number of the originating machine.
In other words, any packet traveling the net contains - first and foremost - its complete source and destination addresses. As we've seen earlier on this site, an IP address always identifies a single machine on the Internet and the port is associated with a particular service or conversation happening on the machine.

Look what this means! . . .

Since the firewall software inspects each and every packet of data as it arrives at your computer - BEFORE it's seen by any other software running within your computer - the firewall has total veto power over your computer's receipt of anything from the Internet.
A TCP/IP port is only "open" on your computer if the first arriving packet which requests the establishment of a connection is answered by your computer. If the arriving packet is simply ignored, that port of your computer will effectively disappear from the Internet. No one and nothing can connect to it!

But the real power of a firewall is derived from its ability to be selective about what it lets through and what it blocks. Since every arriving packet must contain the correct IP address of the sender's machine, (in order for the receiver to send back a receipt acknowledgement) the firewall can be selective about which packets are admitted and which are dropped. It can "filter" the arriving packets based upon any combination of the originating machine's IP address and port and the destination machine's IP address and port.
So, for example, if you were running a web server and needed to allow remote machines to connect to your machine on port 80 (http), the firewall could inspect every arriving packet and only permit connection initiation on your port 80.
New connections would be denied on all other ports. Even if your system were to inadvertently pick up a Trojan horse virus program which opened a Trojan listening port to the outside world, no passing Trojan scanner could detect or know of the Trojan's existence since all attempts to contact the Trojan inside your computer would be blocked by the firewall!
Or suppose that you wish to create a secure "tunnel" across the Internet to allow your home and office computers to share their files without any danger of unauthorized intrusion. Firewall technology makes this possible and relatively simple.
I hope I've conveyed some sense for the powerful benefits and features created by firewalls. At a cost ranging from $29 to $39 USD, these personal firewalls are a terrific bargain! If you've also received the sense that this can be very tricky stuff I'd have to agree.

THE MECHANICAL FIREWALL
A mechanical firewall, such as a NAT router or a DSL modem, and software firewalls such as Zone Alarm, System Suites Net Defense, Norton Personal Firewall, and others too numerous to mention. My preference is Norton.
A NAT router, such as Linksys, actually acts as a mechanical barrier between the internet and your PC. There are many on the market and a good computer store will carry a good selection of the best of them. Be sure, though, that your system has one of the following, an ETHERNET or a USB port present and open.
This will be necessary to utilize a NAT router. If you don't have this on your PC, then you can purchase a PCI card that will add this to your system. The ETHERNET connection is the preferred connector for a router. A DSL modem also acts as a mechanical barrier between the internet and your PC. Most of the time if a hacker sends a mass ping out, a DSL modem, or a router is what he will see on the ping. Not your computer. Regular dial-up, and cable modems are not quite as secure as DSL. So, if you want to really be secure, then start with a NAT router. If you have DSL, then you wont need a router unless you want to link to the net with several computers.

THE SOFTWARE FIREWALL
A software firewall, in a way sort of confuses a hackers attempts and even in some cases logs the hackers attempts at entry into your system. Software firewalls can be an extremely effective way to thwart a hacker and protect your sensitive data.
You can set a software firewall to conform to your individual needs and most software firewalls have a good help system and directions to aid you in the setup of the software. A good software firewall enhances and strengthens a good mechanical firewall.
A mechanical and a software firewall work hand-in-hand with each other to make your system invisible to hackers.
There are several good firewall programs available, and a search via google using "firewall" as the subject will get you a list of them to look over. My personal preference, as I said is Norton Personal Firewall. I'll cover that in more detail later in this guide.

SPYWARE
Spyware is another thing to consider when developing your personal internet security.
Spyware is very sneakily installed on your computer via free programs, toolbars, smiley face programs, email program addons and even via autosurfing programs. It also can enter, and so can viruses, in your email as it comes into your computer daily.
Spyware sits in your computer and reads your sensitive data and surfing habits and details of the sites you visit, and sends the info to the person or persons who did the sneaky install. It is not a very ethical thing to do, but it is done to almost everyone everyday.
There are many good stand alone anti-spyware programs available for free download. These include SpyBot Search and Destroy, Spyware Guard, and many others. Again, a search via google will turn up many choices. Just enter "spyware" as the subject. Again, Norton has included anti-spyware in its program, Norton Internet Security, and it is part of Norton AntiVirus.

VIRUS
Spyware can enter your computer in the form of Virus, or Worms, and also Trojans. A Trojan is named after the "Gift Horse" used in the war between Greece and Troy. And it comes in the form of an innocent or inconspicuous file or program. It gets into your system and sends out information such as passwords and ID names to the person, or persons, who installed it or sent it to your PC.
A worm gets into your system by innocent means such as email attachments etc. A virus can enter your system via any download or email or attachment to an email.
Viruses are the most destructive kind of PC invasion. Some viruses, once activated, can totally destroy your system's BIOS and can totally wipe out your hard drive. So a good anti-virus program is vital to good internet security.

So...in summary...A top level internet security system will consist of a Mechanical Firewall...a Software Firewall...a good Anti-Spyware program...and a good Anti-Virus program. I'm going to list a few of the programs available for a price and a key word to use to access a variety of free and paid for options later in this guide.

A good program to self test your security online is called Shields Up. Here is the link to use it

http://grc.com/x/ne.dll?bh0bkyd2

PASSWORDS
Next .. lets cover the subject of developing, using, and entering passwords which are designed to protect entry into your personal pages of the programs you belong to.

RoboForm and RoboForm Pro.....

This program is my personal recommendation for keyless password entry into any program or site that requires a password, and can also be used to quickly access those sites, with one click, that either do or don't require a password.
It's a great system that keeps all of your information handy and fills in all kinds of forms. There are those who debate about keeping a program like this on your PC, but if you utilize a full internet security program, then this form filler is safe and can do your password entries without using key strokes.
Norton SystemWorks has a feature called "Password Manager" that does the password part, but RoboForm does it all.
I highly recommend that you go ahead and purchase RoboForm Pro. It has unlimited passcards and you can install unlimited custom info fields. It's the greatest information entry time saver available on the net at this time, like I said will securely enter your saved passwords without keystrokes.
It also keeps you from forgetting the entry information to all of your programs, and the data can be backed up, so you wont lose it if your PC crashes. It also stores the URLs you need for entry to your programs. I just cant say enough good things about it and I would be lost without it.

Creating and saving passwords to use for any program.....

What I'm about to cover here, is a method that I've developed to create passwords in a stealth mode without using keystrokes at all. I'm going to include an example of creating one and installing it to a program, or site, and then saving it to RoboForm.

Creating a password using copy and paste is a stealth method that requires no keystrokes to do it. First, log onto a site that has a lot of text and numbers in it. Make sure you don't try to copy from a hyperlink or a URL because it will frustrate you when it goes to that site.
What you do is highlight a section of, or a few letters of a word, and copy it to notepad or wordpad. Then you find some numbers and highlight 2 or 3 in a row and copy them and paste them onto the letters you have just pasted on your "pad".
Then locate and highlight a few more random letters and do the same. Repeat this process until you have created a password containing numbers and letters. It can be done in any order, and can include upper and lower case letters.
Each time you complete a potential password, save the file under a filename you can locate easy, and just start a new line in this file for each password you create. I would not create more than about 8 - 10 at any one time. For instance, I'll create 3 passwords here using the text I have already entered.

Tut83Rep2

sw328nsta

281staRep3

The 3 passwords above were created from the text in the above paragraph without entering a single keystroke, and can now be copied and pasted into a password field in a program without a single keystroke. Once you use a created password, you need to save it to the password field in your RoboForm passcard via copy and paste, and you will have done the entire procedure without once entering a keystroke.
Once you've completed the whole process, you should delete the password from your list of created passwords and resave the file without that password in it. Just remember to backup your RoboForm data so you don't ever lose your entry info. You can change your passwords monthly, if you like, using this method, and you probably will never have this information "hacked" from your PC.

CONCERNING EGOLD'S SRK FEATURE
E-gold has incorporated a security feature called SRK. It in actuality, is a virtual keyboard, and is immune from keylogging programs. This is a must when entering your passphrase, if you don't use RoboForm, and when you enter it in the profile section of E-gold for the first time, you should use the SRK feature there at least. My cut and paste password creation technique will do the same job, but the SRK may be more convenient for some folks.

A brief word about Norton Programs
I'm an avid supporter of using Norton SystemWorks and Norton Internet Security.
They cost in the neighborhood of $140.00 for both of them, but they contain everything you'll need, except the mechanical firewall, to maintain "Top-notch" Internet security.
There are some excellent free software programs out there, but we're talking about protecting your on line account info, and your online E-currency accounts from a hackers intrusion. It's an investment worth making. In my own opinion, Norton is the best you can buy. I personally don't like compromising my internet security and I advise you to take on this attitude also.

USEFUL LINKS THAT YOU NEED

Norton Programs http://www.symantec.com

RoboForm http://www.roboform.com

McAfee Programs http://us.mcafee.com/

AVG Anti-virus http://www.grisoft.com/

Ad Aware http://www.lavasoftusa.com/software/adaware/

SpyBot S&D http://www.safer-networking.org/index.php?page=download

Anti-Keylogger http://www.spydex.com/advanced_anti_keylogger.html

Virtual Keyboard http://www.lakefolks.org/cnt/

Password Auto-generator http://tjc.iwarp.com/password.htm

Zone Alarm Firewall
http://www.zonelabs.com

Zone Labs Security Scanner http://download.zonelabs.com/bin/free/cm/index4.html

Shields Up http://grc.com

UPS by Belkin http://www.belkin.com

UPS by APC http://www.apc.com

There are a multitude of options for internet security on the internet. You can enter "keywords" into your google or Yahoo searches and come up with a large variety of choices.

Some of these key words are:

anti-virus

virus

spyware

firewall

NAT router

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