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The most cost-effective investment program you can find is the High Yield Investment Program or HYIP, Most of these programs run on the web, so it is easy to come upon a scammer. The typical pyramid scheme they use is called Ponzi, which promised high-interest rates are paid from the next investor's money and not by actual earnings. This scheme operates until the flow of new investors stops, not allowing to continue payments, then this High Yield Investing Program blows up like a bubble.
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