08-03-2009, 01:11 AM
HYIs are very much a scam, some of the earliest scams to exist on the internet. With newer technology available, it's even more difficult to find these people.
A lot of it is money cycling which is illegal, and many HYI programs have nice websites and an admin who'll respond. But they don't typically have an address or number you contact.
When you go through the cycles, you'll get a little bit of a return on the money you put in. If you put in $20, next cycle you'll get $80, for example. You feel confident so you put in $80, and then you get back $160. Feeling more confident you decide to put in $160 and you get back a whopping $800. Now, you're so confident you decide to dump $5000.
Suddenly, no money is coming back. You try to contact the admin, and he's not there. A lot of HYIs have their money funneled to offshore accounts where no government has access to the money...or the criminal.
Stay very far away from these programs.