Safe Money Investment: 22 February 2010 - Technical Review and Terminology

Bonjour everyone :D (That's all there is to my French vocabulary..My sincerest apologies to everyone who speaks French..I hope I spelled it right :D haha..) As today's the start of the week(for me at least), I'd like to start things off with an introduction to HYIP terminology and the various technical aspects of a HYIP/Autosurf that you should always look for.

HYIP Terminology
spend - deposit
lock-in period - a term, usually lasting anywhere from 150 - 180 days or even longer, that you are unable to withdraw your principal
profit - your earning
after expiry - usually means the program pays a one lump sum after a number of days
daily - opposite of after expiry; you will be paid on a day to day basis
minimum spend - the minimum amount allowed to invest
maximum spend - the maximum amount allowed to invest
autosurf - a program that requires you to surf daily in order to get paid
HYIP - opposite of autosurf; you don't need to surf in order to get paid
Ddos - acronym for Denial of Service Attacks; usually initiated by hackers to cause malfunction of a site
Ddos protection - a service to prevent or mitigate Ddos attacks. Notable companies that provide such a service are Dragonara, BlockDos and DdosWhiz
Compounding - reinvestment of profits
template - design of a site, usually includes the placement of banners, buttons and font
script - a list of instructions that indicate how a site presents multimedia files
dedicated server - a server that is leased from a hosting service provider and of which is not shared with anyone else
domain name - analogous to a plot of land in real estate. You can register a domain name from sites such as NameCheap.com, Godaddy.com etc.
SSL-encryption - acronym for Secure Sockets Layer, now known as Transport Layer Security(TLS). This is an online security protocol that ensures the safety of information transmitted online. Prevents hacker from stealing your information.

P.S: That's basically a list of what I can think of at the top of my head right now. If anyone has something to add or to correct, please drop me an email or a comment on the ShoutBox. Thanks guys! :D

Moving on, let's take a look at some of the important aspects of a website that most investors look at prior to investing:

Essential

Ddos Protection: I think this is one of the most important indications of a site's stability. Most sites hire the service of Koddos, Staminus or BlackLotus. Better sites hire the service of Dragonara and Blockdos, which are the top-performing service providers, and cost much more than other competitors.

Script: This is important as well, as a good script means better security, fewer glitches and user-friendly. Notable scripts are Goldcoders, Gotenks and Neversay. Goldcoders is the most commonly used script in HYIP. There were many glitches and security flaws in previous releases of Goldcoders' scripts, but recent releases have been improved with stronger security.

Payment plans: Low ROI long term HYIPs usually offer interest rates between 0.5% to 1.5% per day. Mid ROI mid term HYIPs usually offer interest rates between 1.6 - 2.3%. High ROI short-term HYIPs offer multiple plans, ie: 120% after 7 days, 144% after 12 days (12% a day), and 150% after 15 days. Many investors usually spot for red flags in the payment plans offered. An average high ROI short term HYIP usually lasts for a week to 2 months. This is not a guarantee; some sites scam before completion of 1st cycle.

Not-so-essential

SSL-encryption: Many investors misinterpret the meaning of SSL-encryption. It is merely an online security protocol, a service that can be purchased for cheap online. The most basic edition can be leased for $20/month. A misconception amongst investors is that a site that uses SSL-encryption is a stable site. As proven many times in the past, SSl-encryption is not an indication of a site's stability.

Domain name: Some sites purchase their domain names several years in advance. This is another misconception amongst investors -- a domain name can be purchased for as little as $10/year. That costs as much as your lunch. Purchasing a domain name for 3 years sometimes can cost less than $30 as domain name providers usually provide discount for such a purchase. Do not be misled into thinking a site that has registered its domain name for 3 or 4 years in advance is a stable site. Always be careful when you invest.

I hope my post for today has helped you a little bit in understanding the various aspects of investing online and the many terminologies that are commonly used in this industry. Regardless, the #1 tip of all is this:

*Identify your investment goals, and invest accordingly* - This means do not let your mind clouded by greed; instead, choose a few good programs, which are usually reviewed on my blog, and I assure you you will be smiling all the way to the bank at the end of the day :D

That's it for today folks! Thank you for reading!!!