One of the biggest questions on the Internet today concerns HYIPs (High Yield Interest Program) and Auto surf programs.

The questions are: Are they legal, can I make money, can I lose money, are they scams, what’s a ponzai, how can I make money?

Like many other things there are many answers and those answers can be different for different people! I am not going to answer all of that; I will tackle the important issues.

The sole reason for investing in a HYIP or Auto surf for cash program is to make money. So let me answer the most important question. (It is a sort of joint question really).

Can I make money/Can I lose money? The answer to the joint question is a resounding ‘Yes’. To put that into context if you had joined every single HYIP put in front of you over the last 3 months, you would almost certainly have lost money. Why?

Because many of them are Scams. There is an army of criminals who will take your money, run and never be seen again, until the next time that is. To answer an age-old question about Making Money Online, it is truly possible if you can run a HYIP for your own benefit. From an investors view, it is a field of landmines; it is difficult to tell an honest program from a dishonest one.

To make matters worse, you can lose all of your investment in an honest scheme as well. If the system is not set up properly, all the funds can be stolen in an instant. The e-currency traders may even close the scheme by withholding funds, this can be as a result of complaints (true or not).

An old saying is a fool and his gold are easily parted, in the grey finance world of HYIPs, you don’t even need to qualify as a fool.

Let me re-state a pertinent point, it is very difficult to tell a good HYIP from a bad one. Most of them come with excellent websites, a sure-fire promise that includes the essential point that they will be around for years and have a splendid support team and a forum, so you can let everyone know what a great program it is. There are obviously variations on a theme, but the good and the bad share this type of wonderful news with you.

How can you make money if it is so easy to lose it? There are a lot of answers here and I will start with the most basic one. Invest only what you can afford to lose. That is your starting point.

You have decided that you can afford to lose $300. This money is set aside from a savings plan, it must not come from a bill yet to be paid. Again, it must be money that you don’t rely on for any purpose. I am almost saying if you go it alone, invest in the first HYIP you see, you may as well have given the money away.

At this stage, if you are faint-hearted, stop reading, save your money and move elsewhere. But, just before you go, another answer to the joint question was ‘Yes’ you can make money from investing in HYIPs and Auto surf programs.

If you have been looking over any traffic exchangers you may have noticed one particular program. It is called 12DailyPro, it has over 200k members and is still making them (me included) money.

It is an auto surf program, you buy units at $6 each (up to 1000 units), you auto surf onto 12 sites daily, you do this for 12 days and will receive around 7 days later, an amount of 144% of your original investment. For example if you had bought 1 unit at a cost of $6, it would now be worth $8.64. (There are fees to be taken into account, but I will ignore those. You will see why as I take you to the other extreme example of this program).

Let us say you bought the maximum number of units, 1000 at $6 a go, so $6000 is invested. You do the same number of 12 a day surfs and end up with $8640 after around 19 days. This is paid automatically back into your EMO or Stormpay account.

This program is still paying today. If you want to take the risk, use my URL below and make that investment of what you can afford to lose. For your sake and mine, I hope we do not lose, this program has been paying out for over 6 months, that is an awful lot of 12 Days at a time payments.

At the moment this is the best-run program of its type on the Internet, it has always paid on time and long may that continue. Will it carry on forever? No, it cannot, but it is here today, has a convention coming up in the middle of February, so it should be here in 12 days time.

My next article will take us to some other paying programs, I would like you to hitch a ride, for the most part it will be paying and that is the full reason for making the journey.