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Good Day Everyone! Chance did helped it, but I thought today I will try to introduce somewhat new in scope for HYIPBlogger.com (and perhaps to a degree even for the HYIP field in general) type of publication series. At the moment I am attributing this post to the “HYIP Walkthrough” topic, but depending on the outcome, this may change in the future as the idea really looks more like some sort of an attempt to ease the “Homework on HYIPs” for investors. I will explain what I mean in a moment, but let me first state what exactly is it that I am attempting to “ease” here.

As most will probably agree, one of the better ways to stay on top of the current HYIP trends and hopefully in profit, is to continuously add carefully selected new programs to one’s HYIP portfolio. This process should be done over time, which in turn should then yield some degree of stability in funds “flow” from program to program, as well as (in the ideal world) periodically leaving some of the funds for cash out. The issue which we are all facing every time we want to join new program however, is that we are practically forced to work through the big lists of programs and this obviously “dilutes” our attention from each of them individually. To address the issue I am basically proposing to look on more or less regular basis at preselected by the defined set of criteria, therefore easier to be compared, smaller lists of programs. The example of such smaller preselected programs list is right here in this post.

In alphabetical order the programs I am putting up for consideration today are: DividentService, ForexProgressive (not paying as of May 12th, 2012), MetalROI and ROICredit. You must have noticed that I said in the beginning of this post “chance helped it” and what happened is that while searching where to invest my next available for risking $200, all four of the above programs practically lined up in concord with their features for me and I simply couldn’t quite make a pick. So, if you already looked over my HYIP Monitoring page you will see exactly what I ended up doing and that is – not making the choice for now, but rather splitting the $200 that I wanted to invest into all 4 programs, $50 into each of them. Below you will also see my additional reasoning about why and how this decision can be made not final, based on the offered by these programs plans.

Before I go any further however, let me “back up” a little and remind my readers about some very basic things, which are a MUST to keep in mind. With this publication today, I am of course assuming that everyone first of all did weigh out all cons and pros of investing with HYIPs and already decided that this is something they wish to explore. I want to stress it again and again for everyone that such decision is the very first one you must make before ANY other considerations and that includes scrolling to the end of the text you are looking at right now. If you feel that you want to invest in HYIPs for sure and you are wondering as to why anyone would even consider passing on all those “wonderful earning opportunities” that HYIPs are presenting, then you have a different type of “homework” to do, as of yet! The so beaten up (therefore actually loosing its essence in the eyes of many) warning “what seems to be too good to be true – likely isn’t” is fully applicable to HYIPs. You may win, but you must be prepared to lose in parallel, at minimum as often. If you are very new to HYIPs, please remember that whenever you see a whole bunch of seemingly all good and paying programs listed on one or another website, you are looking exclusively at the CURRENT “time excerpt” only. Such “time excerpt” if looked at just one month later for instance, will more than likely look very different, with a lot of listings from your first time point check – missing, while at the same time still looking “all good” on its own.

With that said, let’s now get back to our “sheep” and let me share and explain what made these 4 programs to “line up” as very comparable and compatible for me. I am reminding you to please not look at the order of these HYIPs in this publication (as well as on the monitor page) as some sort of preference. It just has to be either left to right, or top to bottom and as of today, I am putting the overall equal value to them all and as I often do this, I am putting my money exactly where my mouth is (that is $50 x 4 invested).

First of all you probably would agree that all 4 considered here programs are presented by a very professionally made websites and this was in fact first of the criteria that I used to discern these programs from the rest available out there. Of course the looks alone should never be the only feature to go by, but I do think it is the important one, because it creates positive venture’s perceptive image. Nature has it, we always make our first impressions by the subject’s look and I think administrators of these programs did a good a job on this part. I am not saying that there are no as good looking websites out there, however like I said, there are other features that needed to be factored in to make this selection with the next one being programs’ operational time.

All of these programs started their operations since about a month ago, with the exception of Dividend Service, which is paying its members longer (for about little less than a month extra) compared to the other three. One month plus, is a good in my opinion time frame for HYIPs to get established these days, to send the message to the public that they have full intention to stick around and for the rest of us to see and recognize such intention. Based on these programs’ deposit plans, we also know that at least some members have already run their investments through the full investment cycle and they could (and likely did) request their principal withdrawal. This is probably one of the ultimate tests for any HYIP, in terms of its true ability to deliver on offered plans, but let’s move on.

The loyal readers of my website will probably recall me introducing and using the term “Risk Period” throughout earlier publications on HYIPBlogger.com. This term is defined as the time span that has to elapse before at least 100% of the invested amount is returned from any given program back to user. This is very convenient factor which one can use when making the decision to deposit, but again, this should not be made the only factor to go by. It has to be understood that the shorter the “Risk Period“, the more risk there is. Believe me, you do NOT want to end up playing “Fast HYIPs” exclusively, because your average net LOSS is practically guaranteed. This is the “stick with two ends”, some balancing must be made for it to not “flip”, some golden middle needs to be found depending on the overall HYIP industry’s current state of “Health” or else, the “stick” will hit you in the head. Lets now see how the Risk Period factor is laid out for the 4 programs discussed.

Overall, what also drove me to split my $200 into all 4 programs is the fact that accounting for an average “Risk Period”, I will be “holding my breath” on this whole investment for only about one month, give or take. This is when I will either receive enough payouts to cover the initial deposit amount, or when I will have a chance to request principal for withdrawal per offered plans structures, in case I decide to get out at that time. Given that everything goes well for these programs in the nearest future, the option to withdraw principal early in two of them (DividentService and ForexProgressive (not paying as of May 12th, 2012)) is also why I considered the whole $200 investment today, to be not final and I will certainly report about it when the time comes.

Let me now run the actual numbers in terms of the “Risk Periods” for each of the considered 4 programs. The ROICredit has the shortest of all risk period of only 34 calendar days (roughly 5 weeks) for deposits under $1,000, as it pays 3% daily including weekends. This is a good thing in theory, but obviously in reality these plans are definitely on the “aggressive” side, therefore are more risky. However, this industry have in fact seen recently that such plans can be made sustainable over a very long time periods, in some cases even approaching a year. Importantly, what in my opinion very positively compensates the “riskiness” of offered by ROI Credit plans, is that no compounding is even allowed. The option of automatic compounding would have definitely took the risks to a lot higher levels. The total investment lock period of only 60 calendar days here is also comparatively not that long if you think about it. This could also be one of the attractive program features for the “one-shot investment” enthusiasts. This basically gives depositing members an option to get their principals back relatively fast. Although, I personally do not see why one would want to “get out” after doubling the initial investment already and passing on presented chance of continuing getting a whooping 21% or more weekly, indefinitely, till the logical end.

MetalROI is next on the list with its 50 business days Risk Period duration for deposits under $1,000. The 2% or more daily is still rather competitive in the field offering (therefore preferred), yet it is not as aggressive and this in turn makes this program more likely to be sustained longer. The professional abilities of this program management will play perhaps the most important role over the time ahead.

The absolute Risk Periods (based on daily yields only) for DividendService and ForexProgressive (not paying as of May 12th, 2012) are somewhat longer for lower end deposits when compared to the above two programs. However, if you have over $1K that you have no better use for, and you CAN afford to put that much to the risk, you can then significantly shorten that term of initial deposit recovery to some better minimum. There is also another positive feature present in both of these programs’ plans and that is – relatively short investment lock period, after which member can simply request the principal and be “done” with the program altogether if she/he wants to. Thus, one can “give it a shot” to the Dividend Service for instance, for as little as 15 business days on under $150 deposits, or 30 business days on under $1K deposits. The same goes for Forex Progressive, where in fact ALL of the offered plans can be made the short term ones, if so desired. Here, even the highest end plan for deposits of over $5K will expire after only 32 business days. I think that the plans like these, where no one is forced to commit their funds for too long, naturally create positive feeling about the corresponding program. This makes such programs more attractive to more people and that is in turn an important building block for the overall program success.

I will be concluding this publication shortly, but before that I first of all wanted to say that in my opinion the described today $200 investment of mine should yield some profit eventually and I am inviting my readers to “take me up” on this. Please do also keep in mind that this article has a definitive “time stamp” on it, because I am presenting it as some sort of an investment project, to be followed and in fact acted upon, over time. This is basically a “work in progress”, so to speak, and depending on when you are reading this publication, please make sure to check on the current status of it (simply posting a comment below and asking, would be the easiest way to do it). Being an ongoing “investment project” implies that my initial described above deposits in these 4 programs can and most likely will be modified over time. Some investments can be closed on plans expiration, funds can be transferred from one to another program and I of course cannot exclude the possibility that some of the funds can be simply gone into the thin air.

Another very important thing that I would like to communicate to my readers today is that my longer term goal with this little project is to determine if later on some EXTRA funds can be added to any of the discussed here programs or not. To do this properly, I would like to follow YOU on YOUR choices and then report them back to you in some statistical manner. In other words, I want to give it some time and see how many people will register in these programs and what kind of deposit activity will happen after that. This type of research can be done simply by looking at affiliate program records, which will appear on my accounts in all of the discussed today ventures, but only if reader “clicks through” to the corresponding websites using the links posted in this article (and anywhere on HYIPBlogger.com). This kind of program popularity information will obviously be also very useful for all readers to know about.

For the sake of collecting and reporting more statistically significant data on the popularity of any given program, as well as to preserve the integrity of HYIPBlogger.com readers community, I am reminding everyone that I am NOT here to capitalize on the referral commissions from listed programs and that you should feel free to request such commissions paid back to you, using THIS form on the site. By the way, depending on each of the program’s affiliate (referral) payout rates, receiving referral commissions back is further shortening corresponding investment Risk Periods and this is something little extra to keep in mind.

Happy Walking through the wonders of the HYIP world and I will see you soon.

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