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DID YOU KNOW?

	Using your heart and your mind in the choice of an affinity credit card will lead to a strong partnership that benefits everyone. A strong bond is created when individuals and non-profit organizations partner together to reach a common goal. Individuals get the opportunity to be a part of something larger than themselves, and non-profits receive the donated time and money needed to make the operation work. Yet, at times it can be difficult for individuals to find extra money in the budget to donate to a worthy cause. So, when your budget stretches you to the limit and still the heartstrings pull, consider using an affinity credit card. An affinity credit card expands the partnership of individual and non-profit by adding a third party – a financial lender. With each credit card purchase, the non-profit receives a small donation. The consumer still participates in the work of the organization, but at no additional cost. A weekly run to the grocery store using an affinity card now turns into a charitable donation benefiting any number of organizations! One such organization benefiting from affinity credit cards is The Humane Society of the United States (HSUS). Steve Putnam, Vice President of Business Development and Corporate Relations says their affinity card program offered through MBNA started over 10 years ago, has 35,000 open accounts, and “has consistently contributed well into the six figures each year.” According to Putnam, the donations are used to support every program including efforts to strengthen animal cruelty laws, resolve conflict with wildlife, protect wildlife habitat, offer humane education programs in schools, spay and neuter dogs and cats, promote shelter adoptions, and provide disaster relief for animals. The HSUS depend on programs like the affinity card to meet these goals. The variety of affinity cards offered is as broad as the variety of people. Anyone can find an affinity card that suits their passion. Do you desire to support your child’s education? Check out the Target affinity card that donates to a local school of your choice. Want to help less fortunate and homeless people? With the Visa Elvis Presley card offered through MBNA, a portion of every purchase is donated to the Elvis Presley Charitable Foundation. Alumni organizations, the American Cancer Society, and children’s causes are just a few more of the many to choose from. You can conveniently compare affinity card offers by using the "Card Reports" section of our website. Although the choice to use a particular affinity credit card is impacted greatly by passion for a specific cause, as with all financial matters it is also important to consider the facts. Some affinity cards come with a high APR or annual fees, so make sure you know exactly what you are getting into. If you don’t plan to pay the credit card off each month, you may end up paying more in interest than the organization receives. In this case it might be more beneficial and less costly to give a small donation directly to the organization. One consumer, Chris, a member of CreditBoards, was first attracted to the Smithsonian Institution WorldPoints Platinum Plus card offered through MBNA because it offered a low APR that was fixed. The contribution to the Smithsonian Institution was an added benefit. Find out exactly how much of each purchase, cash advance, or balance transfer is being donated. Dan, another member of CreditBoards, used a card that benefited his Alumni association, but the percentage of each purchase was only ½%. By switching to a card that offered a 1% cash rebate he was actually able to contribute more. Understand what it takes to make a donation. Some organizations only receive donations on actual purchases and not cash advances or balance transfers. Personal perks may be limited with affinity cards. You cannot deduct the contribution on your tax return. In addition, some don’t offer benefits such as airline miles and cash rewards. Finally, guard your spending habits. Chris says, “Since you identify yourself with the card, it tends to be the primary card in one's wallet...and unless you are a person who watches spending carefully, it's real easy to charge high amounts on the card and get trapped in a financial quicksand.” The bottom line is to always read the fine print to know exactly what you are getting into. The desire to partner with an organization for a deserving cause combined with a well-thought out decision based on facts leads to a lasting partnership benefiting all parties.

This article is an overview of the risks, scams, and extraordinary profits that can be experienced by HYIP investors.

High Yield Investment Programs: Risks, Scams, and Profits

If you are an investor looking to truly double your money, you might want to look into HYIP or high yield investment programs. This type of investment always carries a high risk, but when you consider the potential profit, you might find that the risk is well worth it. High yield investment programs have always been around, but have become even better known in recent years as investing online has become more and more common. Despite the risks, many investors continue to take advantage of the awesome selection of HYIPs out there to double their money.

Choosing your HYIPs is something that has to be done on an individual basis because what each person will feel comfortable with is different. There are HYIPs out there that show very little in way the way income, but have high risks. On the flip side, there are HYIPs out there that show a lot of promise for profit, yet they have the same risks associated with the programs that don't guarantee much in the way of profit. You'd obviously want to stick with the second choice if you can tell which HYIP would be more profitable than the other. The key to getting involved in the right type of HYIP is research. Though it may be exciting and easy to just jump at a very promising looking program, you'll want to put the brakes on for long enough that you can check out the company. You want to stick with companies that offer high revenue, but only if they actually payout and give you access to your currency. Do your homework to make the risks worth it; otherwise you'll end up losing money! The more you participate and research HYIPs the more familiar you'll get with the tricks that many of these programs have to keep your money.

If you've invested in high yield investment programs in the past, you know what to expect in the way of scams. If you have never participated in an HYIP before, you'll be want to be extremely careful when first getting your feet wet. Because there is a lot of money to be made with an HYIP, scams are often associated with this type of investment. There are people, and even companies out there, who want you to invest and event to make money, but then they won't want to give any of it back. This is where the research that we mentioned above comes in really handy. Even if a friend or business acquaintance recommends an HYIP to you, you should still research it to be sure it's something that you feel comfortable with. If after looking into it you feel as though the investment and possible income is worth the risk, then go for it. If you do not feel this way, simply do not invest. When it comes to your money, you shouldn't feel pressured to invest at any time. Often, these scams will require you to invest is something that does not even exist, and then, the fraudulent people are off with your money and that of other investors!

Choosing the proper HYIP is something that you will need to do very carefully, and you should only do if you feel completely comfortable with the risks associated with any one investment. Even the most legit HYIP should be approached with caution, and followed up by extensive research. You have to remember when looking at HYIPs that even those that are not scams cannot promise you much in the way of a return. The potential to make a lot of money relatively quickly is there, but it is not a guarantee. Because there is no guarantee when dealing with HYIPs, the more you understand the investment, the better chance you have to succeed with such an investment.

The bottom line is that you stand to earn a great profit with an HYIP, but there are extreme risks and even scams associated with this type of investing. If you know what to expect when you get into the high yield investments, and you know what to look for through research, you'll probably be fine. If you get into an HYIP because you've just heard that it's profitable, you stand to lose a lot of money! Invest smart.