Its called “opportunity investment” and it has nothing to do with the traditional way to invest. Stocks, bonds, shares etc.

This is hands on. The entire premise is based on compounding and becoming the “investor source”

You see when we hand over our funds to “professionals” to invest our capital we dilute our returns dramatically. It makes sense if you think about it. They have no interest or incentive to manufacture returns any better then maybe 10% if you are lucky.

“Opportunity Investment” is a term that describes the process of taking responsibility for your own funds. Thereby becoming your own “investor source” What that means is that you determine by your daily actions and decisions, what your returns will be. I have managed over 2500% per year and it was easy. Starting with just $100 and on a whim, I compounded that in to $1 million dollars within 27 months

I discovered this 5 years ago. There is a book written by a guy who pioneered this formula and lives the results every day. Hayden Muller. The book is called “The inside trade secrets to an ethical opportunity investor”

The idea is to identify “investment objects” that are endowed with “excess intrinsic value” By recognising profit where others do not we put ourselves in the position to access this unseen stored portable value and transform it into profits which we pyramid and compound into a rapid fortune.

Its my opinion that this is not new at all. I believe, this is the narrow path that all “high net worth individuals” discovered for themselves. What is novel and new is the way its packaged as a book and disclosed freely to all who choose to recognise its worth.

I am so impressed with it, as were my associates, that we invested in an online resource to share with the many who already compound their wealth rapidly and certainly day by day. (Theres a link to the site below if you wish to learn more)

Theres revolution in the air. Ordinary people are daring to reach for their first million and taking it. Millions are not content to work their whole lives, then retire then die. They express it by their actions. They are living in large comfortable homes. They are sending their children to good schools, driving nice cars and living the life they choose today not tommorow.

We are part of that paradigm shift and we fan the flames with knowledge. Wealth education need not be complicated. Your wealth education could be alot simpler and direct if you choose it to be. Simpler is always better, and opportunity investment is the bare bones. The structure is robust and direct. Take it and earn like the many who already do.

Irrespective of what the Wall Street Gurus predict or what the economic indicators like Dow Jones Average say, a simple and foolproof way of knowing that a company is doing well is to keep a track of how much dividend income does it pay to its share holders every year. If the dividend rates have been rising steadily every year, you know you have a safe bet. To benefit from the future prospects of such companies, it is a good idea to rollback the returns into the company. Which means, instead of adding the dividends to your savings, you can invest them in the shares of the same company. That way, you can ensure that the dividends you receive are always higher than what you got last, with a larger number of shares getting added to your investment portfolio every time.

With this kind of an assured investment plan in place, investors with a gambling streak begin to think beyond making a quick gain. While those who were afraid to take risks get wiser.

Let us find out why companies that give ever-increasing cash dividend income are a good choice for investment:

Your Share Holding Goes Up And So does Your Dividend Income.
Your income begins to escalate with your owning more shares every year and the dividend income rising correspondingly.

Your Dividend Income Increases Even If Stock Prices don’t.
You are no more at the mercy of the market. Irrespective of what your shares are worth, you keep earning additional cash dividends. In fact, even if the market price dips, you are still at an advantage, as that allows you to reinvest to purchase more shares.

You are not hit by Inflation.
With the dividend income rising every year, you offset the effects of a rising inflation. This particularly provides relief to people who have retired and depend on a regular cash inflow to help them meet their expenses. At this stage one need not rollback the investment into further shares, instead, the cash dividend can be used as a kind of regular pension money.

Start Young
The ingenuity behind this investment strategy is that it protects you from the fluctuations that generally occur in the market. A lower stock market rate only means you buy more to increase your dividends more. It is advisable to start this strategy early in life while you are still working, so that your wealth builds up gradually and constantly over the years. And you are assured of a regular income, as you grow older.

Remember, the success of this proven investment plan depends significantly on the track record of the company you invest in. It should be one that declares a higher dividend at the end of each financial period. A simple way to find that out would be to calculate the dividend yield. You can do that by dividing the annual dividend per share by the price per share. Of course, no investment can be totally free of risks, neither is this one. Keep an eye on the dividend yield, and if that dips, it’s a signal for you to opt out of the investment.

The big question we should all be asking ourselves is “how much do we need to save to be able to support ourselves?”. We cant estimate that unless we first make some basic assumptions:

A zero-inflation is unrealistic. It’s safe to assume however about 2% inflation. If it is higher than that, it is bad for the economy of the country., The Bank of Canada is is mandated to keep inflation under control, using interest rates. If the average rate of inflation for the next 50 years is 2%, then a dollar 50 years from now will be worth roughly (1 – 0.02)^50 = 36 cents. So if save one million dollars today, these retirement dollars will be worth about $360,000. That’s still enough to give you an annual income of $36,000 — well above the poverty level.

Compound interest is powerful magic. In 50 years, money doubles roughly 7 times, which means that a single $1000.00
investment will grow to roughly $128000.00. Other than the work you did in the first year to save the money, you haven’t had to do anything for the next 50 years.

That’s roughly one-tenth of the million dollars most people would like to have sqirreled away for retirement. If you also want to have a million dollars, you’ll need to invest about ten times this amount: say, $1000 a year for the next 10 years. Or roughly save $100 a month. Not too difficult is it?

If you can save more, sooner and earn more longer; this is better. Hence the name of my website http://www.BetterRetirementSooner.com.

Lets not forget about the federal and state taxes we have to pay every year. We dont have many tax breaks anymore, but the RRSP / 401(k) is there for us to use. Your RRSP / 401(k) is your friend because the money that you put into an RRSP / 401(k) is not taxed until you draw from the plan.

If you can make a 10% return on your money inside your RRSP, you get to keep the entire 10% and the compounded untaxed growth dollars until you retire and start making withdrawals. If this same 10% was earned outside your RRSP/401(k), and your yearly marginal tax rate is roughly 45%, you only get to keep about 5.5 percent of that. So you can reinvest less,and therefore your money over the years will grows slower.

These days…How do you make a double-digit return on your money? GICs are a low risk investment. And respectively, GICS only pay upto 5%. At 5%, it will take 14 years for your money to double. A $10000.000 GIC will grow to about $115,000 over 50 years. If you managed to save $300 each month instead of $100, you could get up to $300,000 or $400,000, but you should also think about taking on a little more risk than just GICs. What do you do if you cant wait 50 years for your retirement nest-egg?

According to Statistics Canada the stock market has maintained an average return of 9% annually. If you’re not a seasoned investor, you may not be comfortable with the idea of putting your money into the stock market. Trust me, if you do not know what you are doing, leave the stockmarket to the professionals because you can lose your shirt.

Don’t try to time the markets yourself. There are to many variables and you don’t have the information required fast enough to make the timely decisions necessary to be profitable. An inexperienced Day Trader will fsail as miserably as an inexperienced gambler! The odds are very much infavour of the house!

Large mutual funds are a good investment vehicle. You can regularly invest a small amount every month in a mutual fund
instead of stocks, realize better growth than if you invested in a stock or two yourself. Mutual funds reduce the risk of losing all your money because they are managed daily by professional money market analysts. Politics and the economy are very difficult to predict. Merely not being able to sell in the first few hours of a crisis can be very very costly to you and your retirement fund. A Mutual Fund manager will be ready and better prepared to properly deal with a major shift in the market so we dont all lose our shirts.

You must Plan and budget to build Savings. If your goals and your expenses are out of balance — there’s no way you can save enough to meet your goals — make a first pass through your expenses, seeing where you can trim them. Even consider lowering your goals a little.

It is usually much easier to save $100.00, than it is to earn an extra $200.00 because of the taxes payable. Roughly $100 in tax must be paid on that extra $200.00 you earn based on your middle class tax bracket. So planning yor retirement at a later stage in your life, starts with a change in priorities. Begin spending less rather than trying to work overtime to earn more. You may have to do without some of those “nice to have items” that you are dreaming of, or you may end up having to eat cat food in your later years if you don’t!

Once you’ve got some savings accumulated, keep three months worth in a bank account for short term emergencies. Liquid assets are the easiest to get your hands on when yo need them. Dont worry about making big interest on this money. When you have your emergency money saved, we can talk about savings-building options, to meet our goals. Once you have your short term nest egg squirrelled away, you can begin regularly contributing to long term investments for retirement.

Can You retire at 65? Because of modern medicine, our life expectancy is longer. Much longer now in 2005 than it was in 1927. Whereas, we used to live until an average age of 61, we now live to an average age of 78! Do you know? The chances are that if you live to be 65, there is a 25% chance that you will live well into your 90’s today.

There is a big problem with this because of our life expectancy, we need live longer on our retirement savings, much longer! So it is harder to retire comfortably today! This means that if you did not start saving significantly when you were young, most likely you will NOT have enough money to live well, for very long, after you are retired, unless you win the lottery. But don’t panic! The
situtation is still not that desperate.

In fact, Financial advisors are now telling older people not to retire at retirement age, but instead, keep working. Work, even part time, as long as you can after the official retirement age. This helps to build furthur savings or at least stretch the savings you did have so you can live well in retirement longer and wealthier. The bottom line is, we all need a lot more savings and even so, one can no longer retire well on savings alone – at least not for 20-30 years of retirement – thats for sure!

What if you dont feel like working into your 70’s? What if Mopping floors at Walmart and flipping burgers for minimum wage at MacDonalds, until your 70, is not for you? This is the million dollar question!

Remember my friends statement: “One good investment is worth a ‘lifetime’ of labor.”? If you have an investment that is
bringing-in income, month after month; monthy income for the rest of your life , then you have succeed in securing a wealthy retirement for yourself. You can retire and not worry about running out of savings! Cool. What kind of investment are we talking about? We know real-estate rental properties are such a means because they are not a lot of work adn they bring in money month after month. This is not the only way though.

We are lucky today. We have some really good options for earning money now. In fact, because of the internet, we have the entire world as our marketplace now. Via the internet we can all have a home based-business and a customer base too! All we need is an internet business that we can tend to a few hours a day…a business that will generate monthly income for us 24/7/365 days a year, for the rest of our life.

Here are some Recent Internet facts and Figures:

1. By 2007 there will be 1.1 billion Internet users worldwide. – IDC, 2004

2. Worldwide broadband subscribers exceeded 150 million in 2004. – Point Topic, 2004

3. Over 40% of all Americans have made a purchase online. – NDP Group, 2004

4. Over 75% of online consumers do not care whether an online store is run by a large or small company. – TNS, 2004

5. $1.6 trillion was made via e-commerce in 2003; $7.1 trillion is expected in 2007. – Source: IDC, 2004

6. A recent UK study indicated that 82% of Internet users go online to research products and services. – UK Stats Office 2004

7. More than 60 million Europeans now shop online, an increase of 50% since 2003. – Forrester, December 2004

8. US online retail sales will more than double over the next six years, reaching $316 billion by 2010. – Forrester, Aug 2004

9. 61% of small and mid-sized enterprises believe the Internet is a significant advertising medium.-The Kelsey Group, Nov 2004

10. In 2004, paid search advertising grew by 51% to $3.6 billion in the US alone. – eMarketer 2004

The internet has big potential and opportunity that we did no have back in 1927. It should not be overlooked or under-estimated!

If you can save more, sooner and earn more longer; you will have secured yourself a fabulous retirement! Hence the name of my website http://www.BetterRetirementSooner.com

Happy Retirement!

Angel investors fulfill the financing need that exists between capital provided by friends and family and capital provided by venture capitalists. Individual angel investors often write checks from $25,000 to $100,000. Recently, angel investing has become more organized, and angel groups often invest from $250,000 to $500,000 at a time to deserving ventures.

Angel investors often have similar financing criteria as venture capitalists. They want to see proprietary intellectual property, a large market size, management team members with expertise and experience and a current valuation that allows for a good return on investment.

In identifying and attracting an angel investor, companies should seek angel groups that are located in their region. For instance, the Tech Coast Angels have funded over 85 Southern California-based companies since 1997. When seeking individual angel investors, it is critical to network in order to create a personal connection between yourself and the angel. Also, ideally the individual has experience within your specific field so he/she can provide industry contacts and operational expertise in addition to capital.

1. Buy what you want to buy. The most important decision when buying a property is deciding exactly what you want the property to do for you. Is it purely for short term capital gain to provide a one-off profit over a particular period of time? Or is it to provide long term regular income? Or is it mainly for your own use as a holiday home?

2. Ignore the hard sell. Many people go to dedicated overseas property exhibitions or go on overseas trips or “inspection flights” to view properties. It is important to stay focused on what you originally had in mind. Do not be swayed by the hard sell of estate agents.

3. Be careful buying off-plan. Off-plan involves buying a property before it is built. You cannot see exactly what you are buying and it can be a long time before the property and surrounding development is completed. Problems can arise if the building is not constructed according to the original schedule.

4. Allow 10% extra for expenses. The cost of buying a property abroad (taxes, conveyancing, lawyers fees, agents fees, VAT, etc) can be much higher than in your own country. The total can add up to 10% to the cost of buying a property.

5. Buying in an up-and-coming area. This will increase your capital appreciation. Buying in the fashionable areas of Spain or France means that property prices are already expensive and may not increase much further, or increase at a slower pace than in the past. Buying in a less-fashionable area of Spain or France, or in the up-and-coming property markets of Bulgaria, Turkey, and Croatia where prices are still low will increase the chance of a rapid price increase. It is important to note that the less-fashionable and up-and-coming areas still need to have all the virtues of the more established destinations. What you are really looking for is an undiscovered property hotspot. Often such places are neighbouring the more fashionable and expensive areas.

6. Buy a property in a place that is popular with locals as well as tourists. You should always think of the exit route from your investment. The day will come when you want to sell your property and you will want to have the largest possible potential market. Ideally your investment property should be an attractive property for investors of different nationalities as well as a possible home for local residents.

7. Adequate shops, restaurants, and facilities. Most people who want to use a property as a holiday home will want to be near shops, restaurants, and other facilities. This is particularly important if you want a rental income from your investment.

8. Is there an airport nearby? Is there adequate public transport? People who rent property will want somewhere that is easy to get to and will often gravitate to those places with a nearby airport.

9. Consider the property off-season. The property and area might look lovely in summer when all the restaurants and bars are open. But what about winter? Do all the facilities close? Does the area become a “ghost town”?

10. A room with a view. A view is a major bonus from both the rental and the resale perspective. A sea view is top of most peoples list but rural or mountain views can be just as stunning. Nothing beats sitting on a balcony or roof terrace wathcing the setting sun. Beware though that views can change and your beautiful view could be replaced by a view of a new concrete apartment block. Check local planning regulations carefully!

11. Check the inheritance laws of the country where you are buying. You may need a separate will made in that country as well as a will made in your home country. In France for example your children automatically inherit your house; your estate does not pass to your spouse.

12. Get your own independent advice. Do not rely on a lawyer recommended by the property agent or developer.

13. Learn the language of the country you are buying in. You don’t have to become fluent but you should learn as much as you can.

14. Above all, buy a property YOU like in a place YOU like. The chances are that if you love it and would enjoy staying there then others will too!

1. It is a very good idea to actually see the timeshare you are buying. Some timeshare resellers may “talk up” their timeshare. If the reseller says that the timeshare is in a beautiful place, be sure to check it out. A timeshare, even a resold timeshare, is a great investment. It is important to make sure that you are buying what you want.

2. Timeshare resales often have very appealing prices. Sometimes, these prices can cause the buyer to overlook crucial questions. Be sure to ask about maintenance fees and property taxes. If these have not been paid up-to-date, then the timeshare will cost significantly more than the base price. It is very important to know the whole cost before you decide to buy a timeshare.

3. Some timeshares are affiliated with an exchange company. If the timeshare you are purchasing is affiliated with an exchange company, make sure to find out if this membership can be transferred. Doing this can help you to avoid unnecessary hassles in the future. If the timeshare you are purchasing is a point-system timeshare, find out if the points are transferable. Finally, if there are any additional bonuses with the timeshare, find out if they can be transferred.

4. The seller often pays to advertise the timeshare, while the buyer is stuck with the closing costs. Be informed and find out all of the charges that you will be responsible for upon the closing of the sale. This is important because some buyers do not know how much they are paying when they decide to buy the timeshare.

5. Visiting the timeshare can solve this problem, but it is important to be aware of it. Timeshares can sometimes be located in a facility that has only been partially remodeled. Other timeshares have not been touched at all. Paying an extremely high price for an old, worn-out timeshare is never a good idea.

6. Timeshares have different times that they can be used. Knowing when you can use your timeshare is very important. Some timeshares are odd-or even-year-use timeshares. If you buy one of these timeshares, it may be another year or two before you can actually use the timeshare you purchased. If there is a lease on the property, make sure to find out how much time is left on the lease.

7. Last, but certainly not least, find out why the timeshare is being sold. Too many buyers simply overlook this crucial information. Some resellers don’t want it anymore, but other resellers may have discovered a problem with the timeshare, or an inconvenience. It is important to know these issues so you can decide whether or not you yourself want to deal with them. If the reseller tells you the negative aspects concerning the timeshare, and you are still fully confident in its success, then it will be a good investment.

Timeshare resales can be complicated business. It is important to be as informed as possible when purchasing a timeshare because it is often a very large investment. The more investigating you do, the more informed you will be. Being informed is the best way to ensure that you have a positive timeshare resale experience.

Finding Florida Investment Property
There are plenty of perfect locations for Florida Investment Properties. From the historic sands of St. Augustine to the urban shores of Miami Beach, the beautiful Gulf of Mexico to the roaring surf of the Atlantic in Daytona. At any of these spots you can find a wealth of properties for sale in central Florida. Below are the hot spots for Florida investment property. In these locations, Florida Investment Properties describe a certain way of living and can be right beside the waves or a few miles inland. In Orlando Florida, a condo near the attractions is still a short car ride away from the beach. As the saying goes, what matters is location, location, location.
Properties for sale in Central Florida
Orlando’s central location makes it a perfect fit for vacationers who want it all. In the midst of attractions, beaches and the arts, Orlando is more of an area than just a city. You’ll find luxury Caribbean inspired condos central to Disney and the renewed Cypress Gardens. These villas offer families a place to settle near exciting theme parks with a relaxing residence to call home.
Families can find a diverse spread of activities to suit teens and toddlers. Apart from the theme parks, Orlando is home to upscale malls and outlets, museums and clubs. Because Orlando is smack in the middle of Florida, it is an easy place to launch a day or weekend trip. Kennedy Space Center is only an hour away, as well as Tampa Florida and Daytona Beach.
When you decide to make Orlando your spot for a Florida Investment Property purchase, there are plenty of choices for your home away from home. Properties located close to the theme parks are a great choice because of their centralized location. One property close to Walt Disney World in Davenport Florida, called the Bimini Bay Resort, gives owners a cool, Caribbean style bungalow complete with all the comforts of home. Florida Investment Properties like the Bimini Bay Resort are unique in the quiet retreat they offer. Unlike hotels near the theme parks that are often crowded with other visitors, your own Florida Investment Property lets your family relax in a comfortable place that’s all your own. Davenport is also minutes from Cypress Gardens, a newly constructed adventure park.
Kissimmee, another Central Florida town close to the theme parks is home to family resorts at discount rates. Kids and parents can both find fun in the Kissimmee area. In the middle of outlet malls, amusement parks and exciting dining experiences like Medieval Times, this is one of Central Florida’s best vacation deals.
If you decide on a beachside condominium, New Smyrna, Daytona and Cocoa Beach are Orlando’s hotspots. These Florida Investment Properties will still keep you close to Orlando’s attractions. A home beside the Atlantic Ocean gives families a true taste of the Florida lifestyle.
4. South Florida Investment Property Purchases
Apart from Orlando, there are plenty of beachside towns to house your perfect Florida Investment Property. Below you’ll find a snapshot of beautiful beachside cities spread throughout the state. Consider what your family needs in a Florida Investment Property – ;a place to get away in a quiet corner of the state or a thriving town with plenty of activities for everyone.
One beach destination in Florida is Sarasota. Located on the Gulf of Mexico, Sarasota is an artsy town home to a lot of condominiums owned by retired men and women. These Florida Investment Properies tend to be in high price ranges though they are beautiful. Sarasota is home to quaint shopping areas by the beach as well as cozy marinas and restaurants.
Along the Gulf of Mexico is a saint of a beach perfect for a condominium purchase. St. Petersburg, just below Tampa is another quiet place to own a Florida Investment Property. St. Pete is a relaxed beach town dotted with bed and breakfasts, family owned restaurants and ritzy hotels.
If a spicier place is where you want your Florida Investment Property, then cruise on down to Miami. This non-stop town is the place for a jet set young couple ready to party. Just on the tip of the sunshine state, Miami is a Latin hub filled with nightlife and hot beaches.
5. North Florida Investment Property Purchases
On the opposite tip of the state than Miami is Destin beach. Located in what Floridians call the panhandle, Destin is known for snow-white beaches and quiet vacation destinations near the capital of Tallahassee. Here, Florida Investment Properties are close to the border states of Alabama and Georgia; perfect for border hopping if you so choose. Destin also offers places where you can camp right on the Gulf (that is, if you want to leave your comfy condominium for a night).
St. Augustine is also an exciting place to vacation in a Florida Investment Property. For history buffs, this is the place to find the oldest settlements in Florida. From the Spanish fort made of shells to the oldest schoolhouse, St. Augustine surrounds visitors with nostalgia. There are also plenty of opportunities for golf and tennis at the nearby resort town of Ponte Vedra Beach.
Where to Start Shopping for Florida Investment Property
According to Florida’s official website for visitors, www.flausa.com, Florida welcomed 74.5 million visitors from around the world in 2003. Once you decide on Florida as the place for your vacation, the daunting task of finding the right condominium purchase lies before you. Flausa.com is a good starting ground for learning more about everything Florida has to offer. The official website for visiting the state, you can contact the Florida tourism bureau directly with questions. From the site you can also access booking calendars and even keep a list of your family’s reservations. Here, industry leaders also keep up with the latest vacation specials. There are many sites which provide a detailed list of Florida Investment Properties with lists of virtually every city available. There are other sites to check out for lists of Florida Investment Properties or you can contact your realtor.
Florida Investment Properties are a unique and relaxing way to spend your vacations. Florida Investment Properties are unlike any other homes in their embrace of carefree Florida living. Whether you breathe in the ocean from your balcony or take in the sun on an inland patio, a condominium gives you a chance to make Florida your home for as long as you and your family can. Florida investment properties are one way to participate in the growing tourism and real estate prices.
www.biminibayresortinvestment.com
Lisa Carson
Lcarson@biminibayresortinvestment.com

In this article, I would like to give the reader some information about Ponzi schemes and about “Cycling” programs.

PONZI SCHEMES

Ponzi schemes are a type of illegal pyramid scheme, named for Charles Ponzi, who duped thousands of New England residents. In the year 1920, Ponzi offered 50% profits every 45 days. He collected $9.8 million dollars from 10,550 people and paid out $7.8 million in just 8 months.

This was a kind of swindle, also called a “bubble” and has existed for hundreds of years. In reality, it is not an “investment” as people are led to believe. Money is simply being transferred from new investors to earlier investors. It is a fraud in which the “investors” are promised extremely high returns over a very short period of time.

This short payment time and high rate of return soon attracts large numbers of people. Initial “investors” make a lot of money, but their profits are not a result of the success of a business. Their profits actually come from the contributions of those people who later join, thinking they are participating in a legal business investment.

Ponzi schemes typically claim that their moneymaking abilities are because of their elaborate, inventive investments or business process. Because of word-of-mouth advertising about this great “opportunity,” new depositors are quick to jump on board. Usually a Ponzi scheme will not last very long. It eventually collapses since it was based on something that either never existed, or was grossly overvalued.

A major attraction of a Ponzi scheme is that it appears to be a high paying investment opportunity. As a passive type of program, a person does not need to work in order to generate great profits. The impression that people are given is that they need only to put their money into it and wait for the money to come rolling in!

Unfortunately, only a few “early birds” actually make money, which they actually receive by fraud, while everyone else loses most of or maybe their entire investment!

CYCLING PROGRAMS

Most people who are looking for ways to make money, truly just want to find something that is legitimate and is within their ability to do. A conventional business generally requires a large investment and long working hours. Network marketing, even though it is also a business that takes investment of time and money before a great deal of success is realized, has the advantages of being able to work part time and takes far less investment than does a conventional business. Unfortunately, with network marketing or MLM, there is a lot of hype. Often people are made to believe that they should be making lots of money in a short time. Since that usually doesn’t happen with MLM, as in any other legitimate business, people may begin looking for something that has less involvement and is more “passive” in nature.

So along comes an offer of a promise to make money in a short period of time. All you have to do is invest your money…and wait. There may or may not be some sort of product involved. A product of some sort at least keeps the program within “legal” limits. The so-called product may be leads that have been used over & over again, or some other internet thing that a person would not normally spend their hard-earned bucks for.

The promoters can be very skilled at making a person think that they are getting into a type of investment that really pays off. Indeed, a person, provided they are in “early” enough, does get paid. Investors are led to believe that the “investment” is what is paying off, when in reality, it may be they are being paid from new people investing their money, or even may be getting part of their own money back. These high-yield investment programs (HYIP’s) are actually much like the “cycling” programs only they are not called that. Most of those programs last no longer than about 6 months or so, and then collapse.

Then there are the programs that tell you that you will get paid when you cycle, or it is your turn. At first it takes only a few days to “cycle” and your money may double. The longer the program lasts, the longer it takes for a person to cycle. Eventually the cycle program collapses and the promoter starts another one. Most likely the same people that got in early on one program, will be the ones who get in early on the next program, and so on. A few people make real money, while the majority of folks are left holding the bag!

The promoter of this kind of program, I believe, is running an illegal Ponzi scheme! Even the people who get in early and make money are actually making money at the expense of those who invested later on, and may be in legal trouble, at least in the United States.

From the little bit of experience I have had with both the HYIP’s and the cycling programs, even though at the time I believed each was probably legitimate, a close analysis now tells me different. In general, I would advise anyone to stay far, far away from HYIP’s and from cycling programs.

However, I believe there may be some exceptions to the above information: there are at least a couple companies which have been around for several years that offer cycling plans to their members to help them in advertising or obtaining leads for their business. It should be noted, though, that the members purchase product from these companies each month. Their compensation plan is not based on when they “cycle.”

Dear reader, face up to it, if you are going to develop an income in a legitimate business, you will need to be prepared to work, invest some money, and allow time before you realize the income of your dreams!