Hi Jambutty Many thanks for your valuable insights for new comers including me. I am studying the pages of different forums for a few days, and found this one real helping for us. I don't know whether asking this would be silly, still curious. I noticed sites mentioned in payinghyiponline.com OR makecurrencyonline.com etc. have their own votes, comments etc. BUT talkgold.com never bothers about these sites. Are they all fake-s. This is quite confusing. I already know HYIP-s are to go, tomorrow or day-after. Is there anything / site to know which are fake-s? As you told, you don't go for very high returns, that's true, but does that mean, every high-returners are fake, if not, how do a new-comer / I know it ?