HYIP Glossary and Terms
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.
Affiliate Program
same as Referral Program
Auto-Deposit
When your money is automatically deposited into your account.
Auto-Payment
same as Instant Withdrawal
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.
Back Room
same as Account Center
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 e.g. 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. This is often considered the "eighth wonder of the world".
Example: You deposit $400 to the program with 5% interest and 25% compounding. When you receive you payment 25% will be added to your deposit and 75% you'll receive to your account. So you'll receive (5%*$400)*75%=$15 and your deposit will become $400+(5%*$400)*25%=$405
Compounding Deposit
A deposit with the compounding option used.
Compounding Frequency
The number of compounding periods in a year.
Compounding Percents
The percent of earning which is deposited back into the system.
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.
Debenture
General debt obligation backed only by the integrity of the borrower.
Deposit
The funds deposited into the program.
Deposited Total
The total amount of money ever deposited into the program to date.
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.
Advice: Diversification is a good way to reduce your risk and exposure to the market. Every good portfolio should be diversified. The level of diversification is up to you, though.
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.
Earned Total
The total amount of interest one's investments have ever earned inside the program.
Exchanger
A company which is able to convert your cash dollars into e-currency .
Exponential Growth
same as Compounding .
Foreign Exchange Market
same as Forex
Forex
Market for trading currencies internationally. The foreign exchange market 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 $1.5 trillion USD daily, making it the largest, most liquid financial marketplace.
FX Market
same as Forex
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.
HYIP
A High Yield Investment Program. 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.
Instant Withdrawal
The system payment feature which processes the withdrawals automatically when a member makes a request.
Interest
The price paid for borrowing money. It is expressed as a percentage rate over a period of time and reflects the rate of exchange of present consumption for future consumption.
Interest Rate
The amount of money in percent that a borrower pays to borrow money (a HYIP pays to investors). For example, if a $100,000 investment has a 5% monthly interest rate, the program will have to pay $5,000 each month (or any specified period) until the program ends. The goal for investors is to earn the highest interest rate possible without sacrificing any security.
Investment Package (for HYIP)
A set of similar investment plans grouped by some similar properties ( payout ratio , compounding feature or other).
Investment Plan (for HYIP)
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 .
Laddering
Purchasing bonds that mature at various intervals. This provides the investor with greater regularity of income.
Advice: Bond laddering works by purchasing bonds with different maturities. For example, you might purchase 3 year, 5 year, and 10 year bonds. By doing this, you are giving yourself greater liquidity because your bonds will be maturing periodically. If you simply bought three 10-year bonds, you would have to wait 10 years to see any of your money returned to you.
Bond laddering is a good idea for anybody who needs liquidity and a greater certainty of receiving their money at periodic intervals.
Liquidity
Liquidity refers to the ability of people to get into and out of investments. A "liquid" stock is a stock with a lot of volume that is easy to buy and sell. A "liquid" investment is an investment which is easy to withdraw. A liquid investment is one that you can buy and sell easily and quickly. An example of a liquid investment is a bank account. You can go to the bank and take your money out quickly and easily. An example of an illiquid investment would be real estate. If you want to sell your house, you have to put it on the market and could end up waiting over a year to get your money. Or an investment with a non-withdrawable principal. Understanding how liquid you need to be is important. Obviously, if you're in college, you want to be liquid so you can make your tuition payments. If you're retired, you'll want to be liquid to pay your living expenses.
Login
To login is to provide your username and password in order to have access to the back room or member's area.
Logout
This enables you to end your session within a member's area of a Program.
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.
Maturity
I's the length of time that you have to wait until you get your money back. Or one can say: this is the date the borrower has to repay the lender the principal .
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
same as Account Center
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.
MLM or Multi-Level marketing
Money-making programs which require participants to market and sell things in order to make money, and the money earned is based not just on how much was sold, but also on how much was sold by the other participants you've recruited.
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.
Payout Ratio
The percentage of earnings paid out in dividends. It is calculated by dividing amount of all dividends by amount of all earnings.
Penalty
It is a sum of any currency which administrator removes from the user account and transfers into the system.
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 last investors 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.
Portfolio
All of your investments. If you own five stocks, a bond, and have bank CD's, those would be collectively referred to as your portfolio. When you hear a person talking about their portfolio, they're just referring to all of their investments. If they say their portfolio is up 12%, it means the average return for all of their investments has been 12%.
Principal
The initial deposit one makes to the account. This excludes any compounded earnings added to the deposit.
Principal Withdrawal
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.
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. It is called a Referral Program .
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
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 percent of the referrals' earnings or deposits.
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.
Re-invest
To put back an amount into the program to cycle again. Closely related to compounding .
Return on Investment
A profit or loss from an investment. An individual's return on investment is easy to calculate. If you invested $20 and earned $30, you would have a 50% return on your investment.
Risk
The measurable possibility of losing or not gaining value.
Spend
(used as a noun) a payment, deposit, transfer of funds.
Sponsor
A sponsor is a person who has referred people to a program.
Sponsored
The listings can pay for being "sponsored" and thus to be listed at the top of the current section. But it doesn't influence the listing's rating, payout or any other statistics . Neither it influences the listing being Normal, Trial or Premium. So please while choosing the HYIP site to invest pay greater attention to the money invested and earned statistics, site's design and the such.
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 account center : You view your total investment, amount paid, amount available, referral bonus, total referrals , referral URL , and if available downloads.
Total Deposit
The total amount of money on all the active deposits inside the program .
Transaction
Any single funds movement into, out of or within the system.
Transactions History
The history of all your transactions.
Upline
The people who recruited you, plus the people who recruited them, and so on.
Withdraw
To withdraw money means to call them off the HYIP or any other program.
Withdrawal
The transaction when one transfers funds from any account in the HYIP or any other investment program to any account outside the program.
Withdrawn Total
The total amount one have ever withdrawn to date.
HYIP Terms:
A.
ACH: Automated clearinghouse
ADB: Asian Development Bank
ADR: American depository receipt
Affiliate: If you become an affiliate to a program you earn a commission when someone you refer, signs up. You may also get a commission on what they spend.
AfDB: African Development Bank
AFRIPA: Association of African Investment Promotion Agencies
AGOA: African Growth and Opportunity Act
APEC: Asia Pacific Economic Co-operation
Arbitrage: A means of betting on either option and guaranteeing you a profit.
B.
Bank debentures*
BI: Banner Impression
BIS: Bank for International Settlements
BOC: Business Operating Conditions
BOT: Build-operate-transfer
C.
CAC: Create A Click (type of script used by Get Paid Programs)
CAC: Collective action clause
Capital*
CDS: Credit default swap
CEEC: Central and Eastern European countries
CIDA: Canadian International Development Agency
CIS: Commonwealth of Independent States
commodities: Just about anything that can be traded. The term is mostly used to describe the futures market for trading in raw materials.
Compounding: Adding interest to your principal so that you earn more interest. Makes your investment grow exponentially. Very powerful if you are a shrewd investor.
CP: Currency pool
CUP: Cooperative Underwriting Program
D.
DAC: Development Assistance Committee
DBA: doing business as. A fictitious business name for a company or individual.
DD: due diligence. Investigating the wherewithal and bona-fide business foundation of a company.
DDOS: It stands for Distributed Denial of Service attack. This is often use by admins to run away and scam people.
Derivatives*
DFID: Department for International Development
DGC: Digital gold currencies. Denominated in grams of gold.
DNS: Domain Name System
Doubler: A money doubler is a system that uses a matrix approach to double deposits.
E.
e-metal, emetal: A generic name for the actual metal used to back e-currencies. It can be gold, platinum, silver or palladium. For each metal based e-currency there is a specific amount of precious metal held in a vault.
e-currency, ecurrency: It is a currency backed by specific amounts of e-metal. Used to exchange value and can be backed by many of the e-metals shown bellow. Can fluctuate against the price of e-metals AND paper backed currencies. Examples: e-gold, IntGold
EBRD: European Bank for Reconstruction and Development
ECA: Export credit agency
ECB: European Central Bank
ECLAC: Economic Commission for Latin America and the Caribbean
EDI: Economic Development Institute
EIB: European Investment Bank
EMBI: Emerging Market Bonds Index
EMBIG: Emerging Market Bonds Index Global
ETF: Exchange-traded fund
EU: European Union
F.
FAQ: Frequently Asked Questions
FDI: Foreign Direct Investment
FDIC: Federal Deposit Insurance Corporation. The regulatory agency responsible for administering bank depository insurance in the US.
Fed: Federal Reserve. The Central Bank of the United States.
FFA: Free For All (free advertising)
FIAS: Foreign Investment Advisory Service
FINCEN: Financial Crimes Enforcement Network.
FRA`s: Forward Rate Agreements. FRA`s are transactions that allow one to borrow/lend at a stated interest rate over a specific time period in the future.
FTC: Federal Trade Commission.
FX: FOREX - Foreign Exchange. The simultaneous buying of one currency and selling of another in an over-the-counter market. Most major FX is quoted against the US Dollar.
futures: Buying commodities for future delivery. If you buy low and the demand goes up, you win; demand falls, you lose.
G.
GATS: General Agreement on Trade in Services
GDP: Gross domestic product
GDR: Global depository receipt
GIN: Global Investor Network
GNFS: Goods and nonfactor services
GPTR: Get Paid To Read
GPTS: Get Paid To Surf
GPTC: Get Paid To Click
Gross: The total in any amount that includes overhead or operating expenses. The opposite of net, as in gross profit/net profit.
H.
HIPC: Heavily indebted poor countries
HYIP: High Yield Investment Program.
I.
IBC: International Business Corporation
IBPO: Irrevocable Bank Purchase Order.
IBRD: International Bank for Reconstruction and Development
ICA: International Court of Arbitration
ICC: International Chamber of Commerce.
ICPO: Irrevocable Corporate/Confirmed Purchase Order.
ICU: Investment Climate Unit
IDA: International Development Association
IDB: Inter-American Development Bank
IFC: International Finance Corporation
IFF: International Finance Facility
IMF: International Monetary Fund.
IMS: Investment Marketing Services
InExchange, inexchange: Converting currency into e-metal.
Interest: Profits earned on your investment.
IPA: Investment Promotion Agency
IPO: Initial Purchase Offer. When a company offers stock to the public for the first time.
IRB Internal-ratings-based
ISDA: The body that sets terms and conditions for derivative trades is The International Swaps and Derivatives Association
ITS: Investor Tracking System
J.
JETRO: Japan External Trade Organization
K.
L.
LCIA: London Court of International Arbitration
LCVI: Liquidity, Credit, and Volatility Index
LIBOR: Stands for London Interbank Offer Rate. The interest rate that the largest international banks will lend to each other.
LIFFE: The London International Financial Futures Exchange. Consists of the three largest UK futures markets.
LMIC: Low- and middle-income countries
M.
M&A: Mergers and acquisitions
Market: (The): Can mean one particular trading activity or the market in general.
marketing: The science of promoting and selling a product or service.
MB: Moneybookers (online payment system)
MCA Millennium Challenge Account
MDB: Multilateral Development Banks
MDGs Millennium Development Goals
MIGA: Multilateral Investment Guarantee Agency
MIS: Management Information System
MLM: Multi-Level Marketing.
MOF: Ministry of Finance
MOG: Ministry of Gold
N.
NAFTA: North American Free Trade Agreement
NASDAQ: The US blue chip stock market
NEPAD: New Partnership for Africa's Development
NGO: Nongovernmental organization
net: The utility amount left after the overhead has been removed.
NPA: New Program Alert. Some also consider NPA as Non Paid Advertisement.
NPV: Net present value
O.
ODA: Official development assistance
OECD: Organisation for Economic Co-operation and Development
OPEC: Organization of Petroleum Exporting Countries
OTC: over the counter
P.
PAFTA: Pan-Arab Free Trade Area
PAS: Policy and Advisory Services
Pip (or Points): The term used in currency market to represent the smallest incremental move an exchange rate can make.
PIPS: People In Profit System or Pure Investor's Profit System both are profit plans
Ponzi (scheme): Charles K. Ponzi, its namesake and creator, was an immigrant from Parma, Italy. He spent a few years in Federal Prison for his scam to pay older investors with new investor's deposits.
Principal: The original investment.
Profit: The utility income from an investment.
projection: forecasting into the future.
PP: PayPal (online payment system)
PPC: Pay per click. Earn money for clicking on links, usually not a substantial amount.
PPI: Private participation in infrastructure
PPP: Purchasing power parity
PRI: Political risk insurance
PTR: Paid To Read. Earn money from reading emails, usually not a substantial amount.
Q.
R.
Ref: Referral. You can sometimes earn extra money by referring your friends, family and associates.
ROI: Return On Investment. The percentage of the initial investment amount returned.
S.
SAARC: South Asian Association for Regional Cooperation
SCP: Single currency pool
SEC: Securities & Exchange Commission.
short* (as in "going short")
SLC: Standby letter of credit.
SP: StormPay (online payment system)
SWIFT: Society for Worldwide Interbank Financial Telecommunications
T.
TOS: Terms of Service
U.
unencumbered*
U.N.: United Nations
UNCTAD: United Nations Conference on Trade and Development
UNDP: United Nations Development Programme
UNIDO: United Nations Industrial Development Organization
V.
VAR: Value at risk
W.
WAIPA: World Association of Investment Promotion Agencies
whois: Information database containing a Website's ownership and contact/administrative personnel.
WOCCU: World Council of Credit Unions
WTO: World Trade Organization
X.
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.
Affiliate Program
same as Referral Program
Auto-Deposit
When your money is automatically deposited into your account.
Auto-Payment
same as Instant Withdrawal
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.
Back Room
same as Account Center
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 e.g. 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. This is often considered the "eighth wonder of the world".
Example: You deposit $400 to the program with 5% interest and 25% compounding. When you receive you payment 25% will be added to your deposit and 75% you'll receive to your account. So you'll receive (5%*$400)*75%=$15 and your deposit will become $400+(5%*$400)*25%=$405
Compounding Deposit
A deposit with the compounding option used.
Compounding Frequency
The number of compounding periods in a year.
Compounding Percents
The percent of earning which is deposited back into the system.
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.
Debenture
General debt obligation backed only by the integrity of the borrower.
Deposit
The funds deposited into the program.
Deposited Total
The total amount of money ever deposited into the program to date.
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.
Advice: Diversification is a good way to reduce your risk and exposure to the market. Every good portfolio should be diversified. The level of diversification is up to you, though.
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.
Earned Total
The total amount of interest one's investments have ever earned inside the program.
Exchanger
A company which is able to convert your cash dollars into e-currency .
Exponential Growth
same as Compounding .
Foreign Exchange Market
same as Forex
Forex
Market for trading currencies internationally. The foreign exchange market 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 $1.5 trillion USD daily, making it the largest, most liquid financial marketplace.
FX Market
same as Forex
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.
HYIP
A High Yield Investment Program. 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.
Instant Withdrawal
The system payment feature which processes the withdrawals automatically when a member makes a request.
Interest
The price paid for borrowing money. It is expressed as a percentage rate over a period of time and reflects the rate of exchange of present consumption for future consumption.
Interest Rate
The amount of money in percent that a borrower pays to borrow money (a HYIP pays to investors). For example, if a $100,000 investment has a 5% monthly interest rate, the program will have to pay $5,000 each month (or any specified period) until the program ends. The goal for investors is to earn the highest interest rate possible without sacrificing any security.
Investment Package (for HYIP)
A set of similar investment plans grouped by some similar properties ( payout ratio , compounding feature or other).
Investment Plan (for HYIP)
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 .
Laddering
Purchasing bonds that mature at various intervals. This provides the investor with greater regularity of income.
Advice: Bond laddering works by purchasing bonds with different maturities. For example, you might purchase 3 year, 5 year, and 10 year bonds. By doing this, you are giving yourself greater liquidity because your bonds will be maturing periodically. If you simply bought three 10-year bonds, you would have to wait 10 years to see any of your money returned to you.
Bond laddering is a good idea for anybody who needs liquidity and a greater certainty of receiving their money at periodic intervals.
Liquidity
Liquidity refers to the ability of people to get into and out of investments. A "liquid" stock is a stock with a lot of volume that is easy to buy and sell. A "liquid" investment is an investment which is easy to withdraw. A liquid investment is one that you can buy and sell easily and quickly. An example of a liquid investment is a bank account. You can go to the bank and take your money out quickly and easily. An example of an illiquid investment would be real estate. If you want to sell your house, you have to put it on the market and could end up waiting over a year to get your money. Or an investment with a non-withdrawable principal. Understanding how liquid you need to be is important. Obviously, if you're in college, you want to be liquid so you can make your tuition payments. If you're retired, you'll want to be liquid to pay your living expenses.
Login
To login is to provide your username and password in order to have access to the back room or member's area.
Logout
This enables you to end your session within a member's area of a Program.
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.
Maturity
I's the length of time that you have to wait until you get your money back. Or one can say: this is the date the borrower has to repay the lender the principal .
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
same as Account Center
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.
MLM or Multi-Level marketing
Money-making programs which require participants to market and sell things in order to make money, and the money earned is based not just on how much was sold, but also on how much was sold by the other participants you've recruited.
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.
Payout Ratio
The percentage of earnings paid out in dividends. It is calculated by dividing amount of all dividends by amount of all earnings.
Penalty
It is a sum of any currency which administrator removes from the user account and transfers into the system.
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 last investors 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.
Portfolio
All of your investments. If you own five stocks, a bond, and have bank CD's, those would be collectively referred to as your portfolio. When you hear a person talking about their portfolio, they're just referring to all of their investments. If they say their portfolio is up 12%, it means the average return for all of their investments has been 12%.
Principal
The initial deposit one makes to the account. This excludes any compounded earnings added to the deposit.
Principal Withdrawal
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.
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. It is called a Referral Program .
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
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 percent of the referrals' earnings or deposits.
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.
Re-invest
To put back an amount into the program to cycle again. Closely related to compounding .
Return on Investment
A profit or loss from an investment. An individual's return on investment is easy to calculate. If you invested $20 and earned $30, you would have a 50% return on your investment.
Risk
The measurable possibility of losing or not gaining value.
Spend
(used as a noun) a payment, deposit, transfer of funds.
Sponsor
A sponsor is a person who has referred people to a program.
Sponsored
The listings can pay for being "sponsored" and thus to be listed at the top of the current section. But it doesn't influence the listing's rating, payout or any other statistics . Neither it influences the listing being Normal, Trial or Premium. So please while choosing the HYIP site to invest pay greater attention to the money invested and earned statistics, site's design and the such.
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 account center : You view your total investment, amount paid, amount available, referral bonus, total referrals , referral URL , and if available downloads.
Total Deposit
The total amount of money on all the active deposits inside the program .
Transaction
Any single funds movement into, out of or within the system.
Transactions History
The history of all your transactions.
Upline
The people who recruited you, plus the people who recruited them, and so on.
Withdraw
To withdraw money means to call them off the HYIP or any other program.
Withdrawal
The transaction when one transfers funds from any account in the HYIP or any other investment program to any account outside the program.
Withdrawn Total
The total amount one have ever withdrawn to date.
HYIP Terms:
A.
ACH: Automated clearinghouse
ADB: Asian Development Bank
ADR: American depository receipt
Affiliate: If you become an affiliate to a program you earn a commission when someone you refer, signs up. You may also get a commission on what they spend.
AfDB: African Development Bank
AFRIPA: Association of African Investment Promotion Agencies
AGOA: African Growth and Opportunity Act
APEC: Asia Pacific Economic Co-operation
Arbitrage: A means of betting on either option and guaranteeing you a profit.
B.
Bank debentures*
BI: Banner Impression
BIS: Bank for International Settlements
BOC: Business Operating Conditions
BOT: Build-operate-transfer
C.
CAC: Create A Click (type of script used by Get Paid Programs)
CAC: Collective action clause
Capital*
CDS: Credit default swap
CEEC: Central and Eastern European countries
CIDA: Canadian International Development Agency
CIS: Commonwealth of Independent States
commodities: Just about anything that can be traded. The term is mostly used to describe the futures market for trading in raw materials.
Compounding: Adding interest to your principal so that you earn more interest. Makes your investment grow exponentially. Very powerful if you are a shrewd investor.
CP: Currency pool
CUP: Cooperative Underwriting Program
D.
DAC: Development Assistance Committee
DBA: doing business as. A fictitious business name for a company or individual.
DD: due diligence. Investigating the wherewithal and bona-fide business foundation of a company.
DDOS: It stands for Distributed Denial of Service attack. This is often use by admins to run away and scam people.
Derivatives*
DFID: Department for International Development
DGC: Digital gold currencies. Denominated in grams of gold.
DNS: Domain Name System
Doubler: A money doubler is a system that uses a matrix approach to double deposits.
E.
e-metal, emetal: A generic name for the actual metal used to back e-currencies. It can be gold, platinum, silver or palladium. For each metal based e-currency there is a specific amount of precious metal held in a vault.
e-currency, ecurrency: It is a currency backed by specific amounts of e-metal. Used to exchange value and can be backed by many of the e-metals shown bellow. Can fluctuate against the price of e-metals AND paper backed currencies. Examples: e-gold, IntGold
EBRD: European Bank for Reconstruction and Development
ECA: Export credit agency
ECB: European Central Bank
ECLAC: Economic Commission for Latin America and the Caribbean
EDI: Economic Development Institute
EIB: European Investment Bank
EMBI: Emerging Market Bonds Index
EMBIG: Emerging Market Bonds Index Global
ETF: Exchange-traded fund
EU: European Union
F.
FAQ: Frequently Asked Questions
FDI: Foreign Direct Investment
FDIC: Federal Deposit Insurance Corporation. The regulatory agency responsible for administering bank depository insurance in the US.
Fed: Federal Reserve. The Central Bank of the United States.
FFA: Free For All (free advertising)
FIAS: Foreign Investment Advisory Service
FINCEN: Financial Crimes Enforcement Network.
FRA`s: Forward Rate Agreements. FRA`s are transactions that allow one to borrow/lend at a stated interest rate over a specific time period in the future.
FTC: Federal Trade Commission.
FX: FOREX - Foreign Exchange. The simultaneous buying of one currency and selling of another in an over-the-counter market. Most major FX is quoted against the US Dollar.
futures: Buying commodities for future delivery. If you buy low and the demand goes up, you win; demand falls, you lose.
G.
GATS: General Agreement on Trade in Services
GDP: Gross domestic product
GDR: Global depository receipt
GIN: Global Investor Network
GNFS: Goods and nonfactor services
GPTR: Get Paid To Read
GPTS: Get Paid To Surf
GPTC: Get Paid To Click
Gross: The total in any amount that includes overhead or operating expenses. The opposite of net, as in gross profit/net profit.
H.
HIPC: Heavily indebted poor countries
HYIP: High Yield Investment Program.
I.
IBC: International Business Corporation
IBPO: Irrevocable Bank Purchase Order.
IBRD: International Bank for Reconstruction and Development
ICA: International Court of Arbitration
ICC: International Chamber of Commerce.
ICPO: Irrevocable Corporate/Confirmed Purchase Order.
ICU: Investment Climate Unit
IDA: International Development Association
IDB: Inter-American Development Bank
IFC: International Finance Corporation
IFF: International Finance Facility
IMF: International Monetary Fund.
IMS: Investment Marketing Services
InExchange, inexchange: Converting currency into e-metal.
Interest: Profits earned on your investment.
IPA: Investment Promotion Agency
IPO: Initial Purchase Offer. When a company offers stock to the public for the first time.
IRB Internal-ratings-based
ISDA: The body that sets terms and conditions for derivative trades is The International Swaps and Derivatives Association
ITS: Investor Tracking System
J.
JETRO: Japan External Trade Organization
K.
L.
LCIA: London Court of International Arbitration
LCVI: Liquidity, Credit, and Volatility Index
LIBOR: Stands for London Interbank Offer Rate. The interest rate that the largest international banks will lend to each other.
LIFFE: The London International Financial Futures Exchange. Consists of the three largest UK futures markets.
LMIC: Low- and middle-income countries
M.
M&A: Mergers and acquisitions
Market: (The): Can mean one particular trading activity or the market in general.
marketing: The science of promoting and selling a product or service.
MB: Moneybookers (online payment system)
MCA Millennium Challenge Account
MDB: Multilateral Development Banks
MDGs Millennium Development Goals
MIGA: Multilateral Investment Guarantee Agency
MIS: Management Information System
MLM: Multi-Level Marketing.
MOF: Ministry of Finance
MOG: Ministry of Gold
N.
NAFTA: North American Free Trade Agreement
NASDAQ: The US blue chip stock market
NEPAD: New Partnership for Africa's Development
NGO: Nongovernmental organization
net: The utility amount left after the overhead has been removed.
NPA: New Program Alert. Some also consider NPA as Non Paid Advertisement.
NPV: Net present value
O.
ODA: Official development assistance
OECD: Organisation for Economic Co-operation and Development
OPEC: Organization of Petroleum Exporting Countries
OTC: over the counter
P.
PAFTA: Pan-Arab Free Trade Area
PAS: Policy and Advisory Services
Pip (or Points): The term used in currency market to represent the smallest incremental move an exchange rate can make.
PIPS: People In Profit System or Pure Investor's Profit System both are profit plans
Ponzi (scheme): Charles K. Ponzi, its namesake and creator, was an immigrant from Parma, Italy. He spent a few years in Federal Prison for his scam to pay older investors with new investor's deposits.
Principal: The original investment.
Profit: The utility income from an investment.
projection: forecasting into the future.
PP: PayPal (online payment system)
PPC: Pay per click. Earn money for clicking on links, usually not a substantial amount.
PPI: Private participation in infrastructure
PPP: Purchasing power parity
PRI: Political risk insurance
PTR: Paid To Read. Earn money from reading emails, usually not a substantial amount.
Q.
R.
Ref: Referral. You can sometimes earn extra money by referring your friends, family and associates.
ROI: Return On Investment. The percentage of the initial investment amount returned.
S.
SAARC: South Asian Association for Regional Cooperation
SCP: Single currency pool
SEC: Securities & Exchange Commission.
short* (as in "going short")
SLC: Standby letter of credit.
SP: StormPay (online payment system)
SWIFT: Society for Worldwide Interbank Financial Telecommunications
T.
TOS: Terms of Service
U.
unencumbered*
U.N.: United Nations
UNCTAD: United Nations Conference on Trade and Development
UNDP: United Nations Development Programme
UNIDO: United Nations Industrial Development Organization
V.
VAR: Value at risk
W.
WAIPA: World Association of Investment Promotion Agencies
whois: Information database containing a Website's ownership and contact/administrative personnel.
WOCCU: World Council of Credit Unions
WTO: World Trade Organization
X.
Labels: Glossary
