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Investing in HYIP is something that you can do the wrong way, but it is not something that will drop you into a pit of hardship and despair. If a program uses its money to pay off old investors and then runs out of money itself, it is probably a Ponzi scheme. The scammer may try to pay off old investors with new investments from newcomers or with funds he has raised some other way (like by selling the website), but eventually, there will be no more suckers to come along...