I was out for lunch yesterday with my best friend, who is an investment advisor.  We have been friends for over fifteen years (yes I don’t remember how long - I am a boy after all) and I trust what he tells me.  He has been an invaluable sound board for my investing ideas and keeps me grounded in reality.

Well, the reason we went out for lunch was to discuss one of the latest investment programs I was considering.  I had found out about it while looking for ways to make money online - and I needed to know if it was a good idea or not.

You may be familiar with what I found, but it was a high yield investment program (HYIP).  They promised that I could make at least half a percent return on my money per day - that works out to 15% per month.  Some alarms went off in my head since my mutual funds only made 10% for the whole year last year.

So I had brought my laptop and showed David the site.  He looked through it, and gave me his honest advice.  He told me that the one I came across was not as good of a deal as I thought, but he showed me another HYIP that he was invested in that has been paying out for a couple of years. 

Taking his advice, I have put just $100 into the program.  When I see how it does, I may put more in there, but I will do what he says: I won’t put all my money in an HYIP, because that would be crazy (did you notice it rhymes?).