High Yield Investment Program ? Way Too Risky..But

I am not a fan of High yield investment program. I have been a victim of this industry and lost a a part of my earnings to so called HYIPs. They are rightly called HYIPS because 99% of them are nothing but hypes, ponzis and scams that mess up your bank balance. Having lost some money to high yield investment programs, I stopped monitoring the hyip monitors where the votes are bought and sold and hence not credible. With the only system of tracking the performance of hyip manipulated, I had no further interest of investing in any high yield programs.

These programs generally last for a few weeks or a few months and as soon as new investments start drying up, they do the vanishing act on one pretext or another. So, any investment opportunity that promises to pay you more than 25% a month and doesn't disclose it's income sources are most likely to be a scam or ponzi.

With that said, I still have one high yield program from three years back that's still paying and living up to the promises. While most hyips claim to make money through various dubious means like forex, oil, real estate and don't provide any proof , this program claims to make money from arbitrage betting in sports.

Arbitrage betting is not gambling. It's based on pure mathematics and happens when bookmakers have different opinions on the outcome of a game. Arbitrage in sports betting enables to bet on all possible outcomes of a match at odds that guarantee profit regardless of who wins. The site is am referring to is Gold Nugget Invest and has been paying it's members since 18th October 2006, a little over three years. That's the reason I don't group them with other so called high yield programs that last less than a quarter and often less than a week.

GNI , originally had a daily variable and weekly fixed investment plan. Now they have a three plans - Weekly fixed, weekly fixed premium and weekly fixed rollover plan. The first two plans pay 6% and 7.5% weekly respectively while the third plan pays 0.8% daily. There is a lockin period of 30 days for the first two plans while there is no lockin period for the third plan. To learn more about arbitrage betting and to invest with them visit the GNI website. Although I find them reliable, I'd suggest that you never invest any money that can cause hardship to your family if lost. If you have any questions, I'd be happy to answer them if you post them in comments. Your privacy is assured.

Make money generating leads for Insurance Companies

In these times of global recession , insurance is one of the few industries that has not reported any significant slow down. This is perhaps because the insurance industry is responsible for protecting consumers from financial losses. With the uncertainty over jobs , more and more people are turning towards the insurance companies to protect their house, health ,businesses etc. If you can help them find the right insurance companies that meets their specific needs, then you stand to gain and get rewarded.

There are several reputable online companies that provide insurance agencies qualified leads looking for health insurance, auto insurance, life insurance and business insurance. The insurance companies buy leads from these online companies because these leads convert to customers for the insurance companies with little effort. These online companies payout huge commissions to the affiliates who generate the insurance leads. The top rated company claims to be paying a million dollars per month in affiliate commissions with their top affiliate earning an average $400,000/month.

Here are a few companies that pay their affiliates per lead generated :

1) InsuranceLeadz.com - InsuranceLeadz specialize in auto,health,home,life and annuity insurance leads. They have an independent affiliate network. They pay a minimum of $4 to $12 per lead to their affiliates ,based on the sector and lead volume.The payment goes higher for a higher lead volume.

2) Kanetix.com- Kanetix specializes in Auto insurance. They pay $8.75 per lead generated.Like Insuranceleadz, they too run an independent affiliate network.

3) Esurance.com- Esurance also specializes in Auto insurance and pays $7.50 per lead generated. They use CJ's ( commission Junction ) affiliate network to generate their leads.

There are several other online companies that run their affiliate networks to collect qualified insurance leads through their affiliate networks and sell them to insurance companies. If you have a business ,finance or insurance related website , then you can earn very well as an affiliate for these online insurance lead generating companies.

A Higher Paying CPA Offer isn't always your Best Bet

A higher paying CPA offer in an industry is not necessarily the best option to make more money. This is because the same offer for a comparatively lower paying offer that is using a different landing page may convert far better than the first landing page.Let's take an example.

Let's say a cost per action offer for a free Apple iPod is $1.50 per lead and the landing page converts at 8%. Another offer for the free Apple iPod on another CPA network that pays $1.20 converts at 12%. Although , going by the higher pay per lead the first offer looks better , in the final analysis the second offer might give you better "earnings per click" ( EPC) due to the higher conversion rate of the landing page.

It may not seem like a significant difference if you are using free traffic , but if you advertise with paid traffic like pay per click or paid impressions , then it becomes even more important for you to know which offer converts better to get the best return on your investment. For this, it is mandatory to track your conversions to obtain stats and pick the offer with the higher epc.

There are several other factors that can influence a higher paying offer generating a lower earning per click than a lower paying offer. To learn more about it, read the Dark Side of CPA Marketing in Gauher Chaudhry's free CPA report.