Because I don't have a background in finance or business, I'm interesting in hearing from anyone with a financial background about all of these HYIP's (High Yield Investment Programs) that so many people are allegedly "beating the market" and making tons of cash.
Personally, I smell bad beans. I'm very skeptical, but even more saddened at the thought that a lot of people I know could get taken. So I would really like to hear an unbiased opinion from someone with investing expertise or who is not involved with HYIP's.

Thanks