Thursday, April 13, 2006

Udachu Invest - New Fund

Udachu Fund, a well-known and respected fund on the internet with real offices in Florida and Panama, has created a new fund for investors. Udachu Fund is a diversified fund that offers 8% per month with a variable quarterly dividend bonus. Udachu Fund invests in various investments ranging from forex, stocks, commodities and real estate.

The new fund is called Udachu Invest, a separate fund that manages a pool for Udachu managed account that uses contracted forex traders to generate returns. Their performance for the past 12 months have been excellent, averaging over 20% a month. The minimum to join is $100 and they also offer a free Blue Banking debit card.

I am in the program with a minimum spend for now, and will be monitoring it closely for the next few months. I believe Udachu Invest has the potential to become one of the best programs around with their proven transparency and very good track record in the past.

Friday, April 07, 2006


Autosurfs are another way to earn money online. Autosurfs are also considered high yield investments except that earning money through autosurfing is not totally passive. In order to earn money, you'll have to spend a few minutes each day viewing websites. You can sit there and watch the sites or do something else while it runs.

Autosurf programs pay you a percentage of your investment (upgrade) as long as you "autosurf" the required minimum number of sites per day, for a predefined term. This can be a few days to a month. You can also advertise your site with free credits generated from your surfing or you can purchase extra credits if you like.

Since autosurfs generally offer a higher rate of return compared to the more solid investments, the risk is also greater. I am investing less than 10% of my funds in autosurfs. I am using earnings from my autosurfs to invest in more low-risk investments.

Due to the recent events such as the StormPay fiasco and the subsequent demise of popular autosurf programs like 12DailyPro, I have been much more cautious of all autosurf programs. Here are the autosurfs I’m currently in :

My favourite autosurf. Currently closed to new members. Run by Dave Cannard who has a reputation for being an honest admin. Rates are now 0.7% per day. May re-open to new members in the future so keep an eye if you are still not in.

Compact Surfing
13% daily for 9 days, totalling 117% (including principal). Seems to have a good business plan and is quite transparent with responsive admin and an impressive website with several security features.

Wired Surfing
8% daily for 16 days, totalling 128% . Claims to have several income streams and a debit card is also in the works.

Phoenix Surf
15% per day for 8 days (20% profit). A program by New Millenium Entrepreneurs who also claims to have have several income streams.

I consider Compact Surfing, Wired Surfing and Phoenix Surf all short term gambles with potential for high profit (hopefully lasting a few months at least).

Wednesday, April 05, 2006

PC Security

Apart from having to deal with the scammers in HYIPland, there is also the threat of your PC being infected with viruses, spyware, adware, keyloggers, trojans and other forms of malware which could compromise your safety. Here are some security basics to protect your PC.

Keep Windows Updated
If you are using Windows, make sure that you have installed all the critical updates for your operating system. The first defense against infection is a properly patched OS. You should be running Windows XP SP2 if your PC supports it.

Make sure you have an anti-virus software and keep it updated on a daily basis. Run scans at least once a month. Here are some good free ones, choose only one :

* Avast! Home Edition
* AVG Free Edition
* AntiVir Personal Edition

Firewalls act as a barrier between the PC and the internet. The Windows XP firewall isn't adequate because it only provides inbound protection. A popular free firewall is ZoneAlarm. ZoneAlarm is very light on system resources and does an excellent job blocking intrusions.

Spyware Scanner/Removal and Prevention
Malicious Software or malware can do major damages to the system. Notorious malwares like CoolWebSearch are very hard to remove and are not detected or completely removed by the anti-viruses. This is where anti-spyware comes into place. Unlike anti-virus, it’s better to have more than one anti-spyware. In fact, I recommend you download all of the programs below :

# Ad-Aware SE Personal
# Microsoft Windows Defender(Beta 2)
# SpyBot-Search & Destroy
# Spyware Blaster
# Spyware Guard

Web Browser
Internet Explorer has too many vulnerabilities and security holes which malwares could easily exploit. Switch to Mozilla Firefox.

SnoopFree Privacy Shield is a useful tool which notifies you each time a program tries to hook your keyboard, read your screen or read an unowned window.

Use a secure email like Safe-Mail. Then use 1 e-mail account for e-gold only and another for your HYIP's. This way it is more difficult for someone to hack into your e-gold account.

- Make sure your e-gold settings are set at the maximum level. The default setting for e-gold isn't sufficient. Set the IP address detection to high. Use the SRK to log-in your account.
- Use different passwords for all your sites. Use strong passwords with at least 8 characters in length. Use both letters and numbers. Change your password regularly.
- Practice safe surfing. Do not click on attachments from an unknown e-mail address or visit dubious websites.

Tuesday, April 04, 2006

Golden Rules For Online Investments

1. The first golden rule of online investment is Do not invest more than you can afford to lose. Begin investing with spare cash only. Don't put your retirement fund here! Be prepared to make losses, especially in the beginning and learn from your mistakes. Remember these programs are high risk and anything can happen. Don't think HYIP's will solve all your financial problems, pay all your debts first.

2. Diversify your investments. Don't put all your eggs in one basket! Keep a diversified investment portfolio at all times. Invest most of your money in low risk and real investments.

3. Always perform your own due diligence before investing in a HYIP. Don't trust anybody but yourself. Avoid programs that are on free hosting services and programs that offer unrealistic returns. And don’t participate in programs received from unknown people via SPAM e-mail.

4. Learn and educate yourself about HYIP's. Forums are among the best source of reliable information directly from other investors. Pay more attention to posts made by more experienced members. Ask questions and use the PM function to ask for help and advice from the experienced members. Read HYIP articles and reviews, but never trust the HYIP monitoring and rating sites. It's important that you stay up-to-date with everything that is going on in the industry.

5. Withdraw your principal as quickly as possible. After that you can reinvest the profits. This way you're guaranteed not to lose money. Don't be greedy or you could end up losing everything!

6. Avoid programs that offer extremely high returns. If it seems too good to be true, it usually is. Stick to the more reliable programs. Remember, slow and steady wins the race!

Monday, April 03, 2006

Getting started

1. To invest in HYIP's, you first need an online payment processor. E-gold is the most popular payment processor for HYIP's. You can open a free e-gold account here.

2. Open an account with an e-gold exchange service such as the ones I have listed (see e-Currency).

3. Wire or deposit funds from the bank to your e-gold exchanger. The exchanger will give you specific instructions. Follow them carefully.

4. After a few days (usually 1-7 days) the exchanger will fund your e-gold account.

5. You are now ready to invest!

Sunday, April 02, 2006


Hello everyone and welcome to my blog!

If you came here, chances are you are interested in making money online like myself. Who doesn't want more money, right? The problem is that 99% of HYIP's are outright scams or ponzi's (members are paid using money from new members)until it collapses, by which point you would be lucky to be in profit.

When I first started out in October 2005, the promise of riches and financial freedom blinded my judgement and greed took over. I ended up losing most of my "investments" to scam programs because I didn't do any research or due diligence before investing. Some people would have just walked away and quit but I was more determined than ever to succeed in this industry. I am now in more stable long-term programs which show proof of earnings. I treat ponzi's like a game or gamble, putting only a small amount and hopefully enough to make a profit for a cycle or two and then pull out all my money before it collapses!

I am here to share my personal experience in this crazy world of HYIP and other online opportunities. Good luck to all!