HYIP Glossary And Terms

The following terms are directed toward High Yield Internet Programs (HYIPs).

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.

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

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/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.

Commissions - Compensation received for a Referral signup.

Compounding - To compute (interest) on the principal and accrued interest. Compounding is an option which you can increase your principal. If you choose 100% compounding rate, for instance, all your daily profit will be added to the principal. This way, on the following day, interest will be calculated on the principal + the amount of the previous profit payout.

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

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.

Diversification - A technique intended to minimize risk by placing money in a number of securities. In a diversified portfolio, a decline in the value of one stock, for example, would not dramatically affect the overall value of the holdings.

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.

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

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 - High Yield Internet Program is just what it sounds like, a program offering a high yield  return. 

HYIP - Short for High Yield Investment Program.

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.

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

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.

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.

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

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.

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 - A person that you referred to the program.

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.

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

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.

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

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.

Y.

Z.