I have been online since 1995 but I have never heard of HYIP's or High Yield Investment Programs in the internet until very recently. I think this is because I never took the money making potential of the internet seriously before. I once joined an affiliate marketing site but this was done without any understanding about this business venture I embarked upon. I just blindly followed the instructions, spent money on a webhost, paid an affordable (or so I thought) registration fee and did not get any return for a P4,000.00 investment. After that experience, I did a lot of thinking, listening and research, and this is what I found out about money making schemes in general.