Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. A high-yield investment program (HYIP) is a type of Ponzi scheme, which is an investment scam that promises an unsustainably high return on investment by paying previous investors with the money invested by newcomers. The largest documented HYIP scam was OSGold, founded as an e-gold imitation in 2001 by David Reed. OSGold folded in 2002. According to a lawsuit filed in U.S. District Court in early 2005, the operators of OSGold may have made off with USD $250 million. CNet reported that "at the height of its popularity, the OSGold currency boasted more than 60,000 accounts created by people drawn to promises of "high yield" investments that would provide guaranteed monthly returns of 30 percent to 45 percent." Some Ponzi schemes promise yields that appear realistic and as such are not considered "high-yield investment programs." Bernard Madoff's Ponzi scheme offered yields of only 5% per year, for example.

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