Hyip glossary

Account Balance - The balance of one's current account inside a program (HYIP or other). These funds can be used to withdraw or to invest into program's Investment Plans.

Account Center - The account center is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Account Number - The unique number of a personal member account.

Active Deposit - The amount of money that is actively engaged in the money-making program. Hyip glossary.

Admin (Administrator) - A person who runs an HYIP, a forum or a monitor website.

Affiliate Program (Referral Program) - A money-making program where you earn money based on recruiting others into the program (Referring). Many companies usually pay for the refferals their users or members recruit a persent of the referrals' earnings or deposits.

Auto Deposit - When your money is automatically deposited into your account.

Auto Payment - The system payment feature which processes the withdrawals automatically when needed without request.

Auto Reinvestment Percentage - A certain percentage of cycled money is kept and automatically re-spent back into the program and stays for a certain time limit.

Auto Withdrawal (Instant Withdrawal) - The system payment feature which processes the withdrawals automatically when a member makes a request. Hyip glossary.

Back Room/Back Office - The back room is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Banner - An advertising tool provided by the company to promote the Program. Thus enabling you to earn Referral Commission for new signups.

Betting - Some HYIP programs make money on differrent kinds of bets f.e. sports.

Bonus - Funds the administrator adds for some reason to the member account differing from any planned earnings.

Commissions - Compensation received for a Referral signup.

Compounding - This is the concept that one earns interest on the interest he have already earned. At first, your money grows slowly, but as time passes, your money grows more rapidly.

Compounding Frequency - The number of compounding periods in a year. Hyip glossary.

Compounding Period - The length of the time period that elapses before interest compounds.

Compound Interest - Interest paid on previously earned interest as well as on the principal. For example, interest earned in one period earns additional interest during each subsequent time period.

DDoS (Distributed Denial-of-Service) - DDoS attack is one in which a multitude of compromised systems (infected hosts) attack a single target (server), thereby causing denial of service for users of the targeted system. The flood of incoming packets to the target system essentially forces it to shut down, thereby denying service to the system to legitimate users.

Downline
The people one recruited (his referrals), plus the people they recruited, and so on. Hyip glossary.

Debenture - General debt obligation backed only by the integrity of the borrower.

Diversification - The concept of spreading the money among a number of different investments or investment programs in order to reduce risk. It's the idea that one shouldn't put all of your eggs in one basket.

Downline - The people one recruited (his referrals), plus the people they recruited, and so on.

Due Diligence - The process whereby a person investigates an opportunity, assesses the quality of the management team, and the key risks associated with an opportunity.

E-currency - Short for electronic currency.

E-Gold - E-Gold is integrated into an account based payment system that empowers people to use gold as money. Specifically, the e-gold payment system enables people to Spend specified weights of gold to other e-gold accounts. Hyip glossary.

E-Bullion (Electronic bullion) - A digital currency similar to E-Gold. Registered in Panama, the E-Bullion company is E-Gold`s main competition. It allows registered members to transfer or exchange gold, silver and e-currency between accounts.

Exchanger - A company which is able to convert your cash dollars into e-currency.

Exponential Growth - Exponential growth is growth that accelerates, that is, the rate of growth increases over time. If you compound your interest from a HYIP, your income will grow exponentially.

Forex (Foreign Exchange Market) - It is a decentralized market that has no physical exchange floor. Trading is done over the counter, via phone, fax or electronic distribution networks. Turnover in this market is approximately $2.3 trillion USD daily, making it the largest, most liquid financial marketplace.

Forum - An online community where members are able to post information to share with others.

Funding - When you put money into your e-currency account using an authorized exchanger.

High Yield Investment Program (HYIP) - It is just what it sounds like, a program offering a high yield return. These programs claim to invest in high risk, high yield opportunities. An HYIP can be both offline or online, and maybe be investing in a variety of markets. A large portion of online HYIP's are simply ponzi schemes that call themselves HYIPs. Usually every high yeild program goes with quite a risk, so it will be helpful to use divesification while investing in these programs. Hyip glossary.

HYIP - Short for High Yield Investment Program.

HYIPee or HYIPer - A person who invests or participates in HYIPs.

Instant Withdrawal - The system payment feature which processes the withdrawals automatically when a member makes a request.

Interest Rate - The amount of money in percent that a borrower pays to borrow money (a HYIP pays to investors). For example, if a $200,000 investment has a 5% monthly interest rate, the program will have to pay $10,000 each month (or any specified period) until the program ends. Advice: The goal for investors is to earn the highest interest rate possible without sacrificing any security.

IntGold - IntGold is a digital currency, online payment system, debit card service, and IntGold account processor. Hyip glossary.

Investment Package - A set of similar Investment Plans grouped by some similar properties (payment ratio, compounding feature or other).

Investment Plan - The investment proposal with a pre-defined interest rate, initial deposit range and other options. One program may have many additional plans grouped in investment packages.

Manage Position - Manage Position is located in the back room/member's area. This area provides information on your transactions in the program. All or some of the information is provided on the page: payment mode, amount invested, cycled amount, purchase date, expected cycle date, cycled, and paid. Hyip glossary.

Maximal Deposit Withdrawal Duration - A time period after which the program member cannot withdraw his deposit.

Maximum Spend - The most amount that you can pay into a program in one day.

Member's Area - The member's area is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Minimal Deposit Withdrawal Duration - A time period after making the deposit during which the program member cannot withdraw his deposit.

Minimum Spend - The least amount of money accepted in order to join the program.

Monitor - A website that ranks, lists and serves as a watchdog of HYIPs. Monitor sites feature some details on HYIPs, like when an HYIP started, how long it has been in existence etc. Monitor sites will often allow users to post comments about HYIPs. Hyip glossary.

Non-Compounding - Does not compute (interest) on the principal.

Payment Processor - A Payment Processor allows anyone with an email address to send or receive payments using e-currency.

Ponzi Scheme - The term Ponzi is derived from the actions of a man names Charles K Ponzi. It is any program or claimed investment opportunity which relies on new investments to pay off the older ones. Those whom invest first are thus paid their returns from those who invest after them, leaving the lastinvestors the ones who lose out. Many HYIPs who claim to be trading, investing, etc are really only running a ponzi scheme. Some have also compared the US Social Security system to a ponzi scheme. Hyip glossary.

Principal - The initial deposit one makes to the account. This excludes any compounded earnings added to the deposit. Many programs do not allow to withdraw principal. It damages the liquidity but assures the program owners that the money deposited to their system will remain there for long.

Profile - The personal information of a member.

Re-invest - This is the amount that you would put back into the program to cycle again.

Referral - The one you recruited to join the program or to make an investment (your referral). Many companies usually pay for the refferals their users or members recruit a persent of referrals' earnings or of a deposit.

Referral percent - A percent of an amount that someone's referral deposits into the system or a percent of his earnings which goes to the upline.

Referral Program (Affiliate Program) - A money-making program where you earn money based on recruiting others into the program (Referring). Many companies usually pay for the refferals their users or members recruit a persent of the referrals' earnings or deposits.  Hyip glossary.

Referral URL - This is a web site link that contains your specific username or number that a referral would click on to view the program information. This enables you to get credited for their signup.

Return on Investment (ROI) - A profit or loss from an investment. An individual's return on investment is easy to calculate. If you invested $50 and earned $75, you would have a 50% return on your investment.

Risk - The measurable possibility of losing or not gaining value.

Spend - When you pay another user from your E-Gold or E-Bullion account. It is a spend when you move funds from an exchanger to deposit into an HYIP account.

Sponsor - A sponsor is a person who has referred people to a program.

Statistics - The statistics shows information regarding your current program. The following information is available (some or all of the information is available) to view in your back room/member area: You view your total spends, amount paid, amount available, referral bonus, total referrals, referral URL, and if available downloads. Hyip glossary.

Vote - A comment for or against an HYIP. The vote is posted on an HYIP monitor site. It is alleged that some HYIPs pay certain persons to post positive votes. Similarly, some users post negative votes on HYIPs they do not participate in.

Withdrawal - A requested amount that would be deposited back into your e-currency account and not re-cycle through the program.

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