In the previous article I talked about the first step to start working from home. In this article I want to talk about a golden rule that you have to take into consideration if you really want to make money from home and through the internet.

Scammers and rip off artists know that internet is a good place to cheat people and specially people who are looking for a business opportunity and want to make some money. They know that those who want to make money are ready to spend money achieve their goals too. So this is the best chance to cheat them. There are different kinds of scamming on the web but if you want to work online, there are some special kinds of scamming right for you.

Unfortunately although making money on the internet is possible, it is not easy and most people who decide to do that try for a while and as they really don't know what to do, they fail or give up. At the same time they may find so called HYIP programs and decide to participate. HYIP stands for High Yield Investment Program. HYIP websites pay huge amount of interest to the money you invest in them. For example they pay 150% interest every ten days and also they allow you to re-invest the money you have made in the previous cycle.

For example if you invest just $100, after ten days you will have $150 and you can re-invest the $150 right from your account and after ten days you will have $225. So if you invest $100, after one month you will have $337.50. It looks really great. What if you invest $1000? After one month you will have $3,375 without lifting a finger. If you keep on re-investing, after three months you will have $38,443. Sounds good, right? But no; Seems too good to be true.

People are used to see the interest rate the HYIP programs pay and most of them never think even for one second that how these websites are able to pay such high interests. What businesses or investments they have that makes not only the money they have to pay to their members but some profit sill remain for them? Unfortunately most people who join these programs do not think about these things and only see the big money they can make.

I have never seen and heard that any of these programs work for more than a few weeks. All of them get disappeared after a reasonable number of investors join and invest. So they all lose their money and there is no one to answer and tell them where their money has gone.

I see that there are some other opportunistic people who make money with these programs. They just invest once for the shortest cycle that can be as short as 5 days and then withdraw the money and stop investing. I says opportunistic because these people know that HYIP programs are all scams and will stop working and run away with peoples' money after a few weeks but they invest in them just to make some money. They are opportunistic because the money they make is in fact belonged to those people who lose their money. I like good opportunities but hate opportunistic people. What about you?

Some of other HYIP programs stay up and running for a little more. They take money from new members and use it to pay the previous members. They keep on this for a while (maybe about two months) and run away when they have collected few millions of dollars. The amount of money they have is always higher than the money they have to pay to the members because most members are too greedy to withdraw their money and re-invest it to make more. So when they run away, they have millions of dollars.

These kinds of HYIP programs are called Ponzi scheme HYIPs. I will talk about Ponzi scheme in another article. So if you like to work online, the golden rule is "Avoid HYIPs".