SYMBIO Migration に参加して、5%のボーナスがもらえる方法：
１．普通のHYIPから投資金を出金して、我々に取引のスクリーンショットを[email protected]の専用メールアドレスに送る（自分のSymbio ID・出金額は記入必須）
Transfer your funds from any HYIP-projects to SYMBIO, protect your investments and get 5% bonus.
1. Get a 5% bonus to the amount of investment
2. Full control over your investments and risk due to SYMBIO technologies.
3. Make your funds protected from unexpected SCAMS
4. Join the community of innovators and start investing wisely.
How to take participation in SYMBIO Migration procces:
1. Withdraw your funds from other project. Make a screenshot of the transaction and send it to our mail - [email protected]. Please don't forget to indicate your ID and amount of transaction.
2.Fill up your SYMBIO Account Balance with the amount of withdrawal and invest funds to Symbio Protect program.
1. Minimum investment amount is $ 50
2. The migration is valid from 03.18 to 04.01
3. The number of participants is limited.
4. Bonus will be paid within 1 day
Together we will change HYIP industry for the benefit of investors!
Join the revolution!
Symbio Protect update! Symbio Protectプラン更新！
Dear friend, we have added the following updates:
1. Symbio Protect rate is changed to 2.0% per day. According to our calculations, it will increase the cycle duration up to 20%
Therefore, a slight decrease in profitability will lead to more harmonious development of the fund and will allow investors to get higher returns ultimately.
2. The progress bar is completely removed from the interface, because it is not correctly interpreted by many users.
We want to remind you, that Symbio Protect has an unlimited term. Buu in case of the fund status change to unstable, Symbio Protect will be closed automatically and investors deposit will be transferred to Account Balance.
Please report bugs and ask any questions. We are happy to help you.
Symbio Protectプランは有効期限がありません。しかし、ファンドの安定性が低くなっていったら、Symbio Protectプランは投資家の安全のために自動的に終了する可能性があります。その場合、投資金はアカウントバランスに戻されます。
Друзья, в программу Symbio Protect добавлены следующие обновления:
1. Процентная ставка понижена до 2.0%. По нашим расчетам это позволит увеличить продолжительность текущего цикла до 20%.
Таким образом, небольшое уменьшение доходности приведет к более гармоничному развитию фонда и в конечном итоге позволит инвесторам получит большую прибыль.
2. Прогресс-бар полностью убран из интерфейса, так как он не правильно интерпретировался многими пользователями.
Мы хотим напомнить что программа Symbio Protect не имеет срока действия. Однако она может быть завершена автоматически для безопасности инвесторов, при нестабильности фонда. В таком случаем депозит инвестора будет возвращен на его Account Balance.
Пожалуйста сообщайте нам об ошибках и задавайте любые вопросы. Мы всегда счастливы помочь вам.
The mathematics of Ponzi schemes
1. What is fragile should break early while it is still small. Nothing should ever become too big to fail. Evolution in economic life helps those with the maximum amount of hidden risks – and hence the most
fragile – become the biggest.
2. No socialisation of losses and privatisation of gains. Whatever may need to be bailed out should be nationalised; whatever does not need a bail-out should be free, small and risk-bearing. We have managed to combine the worst of capitalism and socialism. In France in the 1980s, the socialists took over the banks. In the US in the 2000s, the banks took over the government. This is surreal.
3. People who were driving a school bus blindfolded (and crashed it) should never be given a new bus. The economics establishment (universities, regulators, central bankers, government officials, various organisations staffed with economists) lost its legitimacy with the failure of the system. It is irresponsible and foolish to put our trust in the ability of such experts to get us out of this mess. Instead, find the smart people whose hands are clean.
4. Do not let someone making an “incentive” bonus manage a nuclear plant – or your financial risks. Odds are he would cut every corner on safety to show “profits” while claiming to be “conservative”. Bonuses do not accommodate the hidden risks of blow-ups. It is the asymmetry of the bonus system that got us here. No incentives without disincentives: capitalism is about rewards and punishments, not just rewards.
5. Counter-balance complexity with simplicity. Complexity from globalisation and highly networked economic life needs to
be countered by simplicity in financial products. The complex economy is already a form of leverage: the leverage of efficiency. Such systems survive thanks to slack and redundancy; adding debt produces wild and dangerous gyrations and leaves no room for error. Capitalism cannot avoid fads and bubbles: equity bubbles (as in 2000) have proved to be mild; debt bubbles are vicious.
6. Do not give children sticks of dynamite, even if they come with a warning. Complex derivatives need to be banned because nobody
understands them and few are rational enough to know it. Citizens must be protected from themselves, from bankers selling them “hedging” products,and from gullible regulators who listen to economictheorists.
7. Only Ponzi schemes should depend on confidence. Governments should never need to “restore confidence”. Cascading rumours are a product of
complex systems. Governments cannot stop the rumours. Simply, we need to be in a position to shrug off rumours, be robust in the face of
8. Do not give an addict more drugs if he has withdrawal pains. Using leverage to cure the problems of too much leverage is not homeopathy, it is denial. The debt crisis is not a temporary problem, it is a structural one. We need rehab.
9. Citizens should not depend on financial assets or fallible “expert” advice for their retirement. Economic life should be definancialised.
We should learn not to use markets as storehouses of value: they do not harbour the certainties that normal citizens require. Citizens should experience anxiety about their own businesses (which they control), not their investments (which they do not control).
10. Make an omelette with the broken eggs. Finally, this crisis cannot be fixed with makeshift repairs, no more than a boat with a rotten hull can be fixed with ad-hoc patches. We need to rebuild the hull with new (stronger) materials; we will have to remake the system before it does so itself.
Let us move voluntarily into Capitalism 2.0 by helping what needs to be broken break on its own, converting debt into equity, marginalising the economics and business school establishments, shutting down the “Nobel” in economics, banning leveraged buyouts, putting bankers where they belong, clawing back the bonuses of those who got us here, and teaching people to navigate a world with fewer certainties.
Then we will see an economic life closer to our biological environment: smaller companies, richer ecology, no leverage.
A world in which entrepreneurs, not bankers, take the risks and companies are born and die every day without making the news.
In other words, a place more resistant to black swans.
By Nassim Nicholas Taleb
Russian language is available. Japanese next.
Website and videos are now available in Russian. Japanese version is next. It also plans to add German and Spanish languages.
New Symbio Protect!
We are pleased to inform you that the beta testing of our platform is completed.
According to customer requests, we have upgraded the Symbio Protect program.
Features of new Symbio Protect:
- Fixed rate of return - 2.2% per day (your investment is still doubles in 90 days).
- Profit is added on a daily basis directly to the Account Balance.
- The program has an unlimited term
Let's try it out!
NOTE: Please let us know if you find bugs. We love to fix bugs.
Beta testing of platform is completed!
Dear all, we are happy to announce the completion of open B-test.
According to the results of the test, we have made changes regarding the usability of the Symbio platform.
We were convinced of the viability of our ideas,we got a lot of advice and suggestions, and tried to put into the system.
The changes also affected on investment programs, they are more in line with investors expectations now.
How Ponzi Schemes are disguised?
Ponzi schemes are still plaguing us today. In May 2012, a couple who was accused of bilking friends, relatives, and elderly out of millions was captured in Arizona after esconding with their ill-gotten fortune back in 2000. In a case out of California, three women were charged with cheating 30+ investors out of millions in April 2012 by claiming to invest the money in a dairy selling milk to Disneyland.
Ponzi schemes have also been on the Internet since its inception. The infamous "Make.Money.Fast" chain letter was traced back to as far as 1987. And it had never stopped. In 2008, Businessweek called Ad Surf Daily "Scams have gone Web 2.0", when Secret Service raided ASD and accused its owners of running an online Ponzi scheme.
And who can forget Bernard Madoff, who ran the largest ever Ponzi scheme, involving over 170 BILLION dollars over a dozen years.
What do all these Ponzi schemes have in common? How had they disguised their existence and make people fall for them? Let us find out.
Ponzi Disguise #1: Secrecy
Ponzi scheme's best disguise is secrecy. They claim that they don't need to show you all the details, it's a secret, just trust them with the money.
A repeat-Ponzi offender in California told investors their money is going into a "secret international trading program" in one scam, and forced investors to sign a "non-disclosure and confidentiality statement" in the other.
In a Canadian Ponzi scheme, the promoter, a former notary-public (who had since been suspended) bilked 83 million from investors since 2003 told a banker and investment manager that the investment process is "confidential information".
Claiming secrecy serves multiple purposes:
reciprocity - the other party is sharing a secret with you, you may want to reciprocate (by investing)
commitment factor - if you already put money in, you are more likely to accept the secrecy explanation as you already have a commitment
scarcity factor - this stuff is secret, therefore it is exclusive and scarce
authority factor - if this person is a pillar of community, trusted adviser, etc. you will believe him or her
likability factor - if you like this person (friend, family, colleague, etc.) you are more likely to believe him or her
This tactic engages five out of six "weapons of compliance" as defined by psychologist Robert Cialdini. It is a particularly devastating tactic.
Ponzi Disguise #2: Fake Product or Business
Some Ponzi schemers will go as far as set up an elaborate facade of a business in order to lure people into the scheme. Either the product or the business itself is fake, but real enough to withstand "casual" scrutiny.
In 2008, Arlan Galbraith was sued by people, some of whom had invested up to 1 million dollars in his scheme, "Pigeon King", where he sold breeding pairs of pigeons to participants for up to $500, then promised to buy back the bred pigeons at $50 each. In reality, there is no market for the bred pigeons. Scheme died in 2008 when it was sued by investor and police also started looking at it as criminal fraud. He personally declared bankruptcy in 2009 and legal cases are STILL ongoing as of May 2012. According to BetterFarming.com, in one province over 175000 squabs (i.e. pigeons) were euthanized at taxpayer expense because there is no market for them and they cannot be released. No one has counts for similar operations in other Canadian provinces or in the US.
In April 2012, Ephren Taylor III, the self-proclaimed "youngest black CEO on publicly traded company", is facing charges of running a Ponzi scheme. He told investors that all the money are going into socially conscious programs like charities and business in poor communities. SEC investigators alleged that the money went into Taylor's own pocket to fund his lavish lifestyle. Ephren Taylor's investors are exclusively from African American communities, including many churches and philanthropic organizations.
And who can forget Bernard Madoff, who was at one time, head of NASDAQ stock exchange? Who would have EVER suspected that his investments were fake, and even the monthly statements he mailed out were outright fabrications?
The misrepresentation tactic targets two compliance vulnerabilities:
authority factor - if this person is a pillar of community, trusted adviser, etc. you will believe him or her. Ephren Taylor used his self-proclaimed title to very good use. And Galbraith traded heavily on his company name "Pigeon King".
likability factor - if you like this person (friend, family, colleague, etc.) you are more likely to believe him or her. In the case of Ephren Taylor, he apparently took advantage of trust and the willingness to do good by his investors.
This tactic is designed specifically so you will not look any closer and look through the mirage they are presenting. It can easily be combined with the first disguise to block multiple levels of inquiry, requiring one to really dig out the information.
The really really elaborate schemes, such as the Pigeon King scheme above, are NOT marketed as investments, but as business opportunities, which would often mislead authorities and individuals to NOT see them as potential Ponzi schemes. Local police later apologized for not looking into the business sooner.
Ponzi Disguise #3: high and consistent returns
Ponzi schemes, because they don't really invest the money and thus is not affected by the economy per se, will offer consistent returns even when the economic climate changes. The Madoff Ponzi is infamous for offering excellent return for period of over 10 years, even as the economy dipped into recession. It was only brought down when several fund managers (who invested other people's money with Madoff) needed to withdraw money to cover their "real" losses in over investments, that lead to the discovery of the entire Ponzi scheme.
Ponzi schemes can offer high returns regardless of economic conditions because it is NOT affected by the economy, but solely by the amount of new capital flowing in (form new or existing investors). As long as incoming capital is more than outgoing capital (maturing investments) it can afford to pay a profit to participants.
What is "abnormally" high? Depends on the state of the economy. If the economy is barely growing (Consumer Price Index is the most often used guide, and last 12 months says 2.7% as of April 2012) Anything "double" this rate (5.4% annually) is interesting. Triple this and you go into "not likely" category. If you go much higher, you go into "no way" territory. Yet there are still schemes out there promises 1% or higher PER DAY, or double your money in two months, or such crazy claims.
Defenders of such scams will often explain these unexplained returns with "trade secrets", "secret algorithms", and so on. Indeed, Wikipedia entry on the Madoff Investment Scandal listed dozens of times analysts looked at Madoff's investment performance and simply chalked it up to Madoff's brilliance and even came up with their own explanations.
The high and consistent returns are often used as a selling point to pull in even more investors. However, it is never advertised to the public, but always passed on by word-of-mouth only. Madoff was famous in refusing to admit that he is managing any of the money, and does NOT appear on any fund listings as manager. But everybody knows it's his investment. So Madoff is using secrecy and authority at the same time.
Willingness of the Victims
Forbes published an Op. Ed. piece in 2011 by Francine McKenna asking that if the victim's mindset had something to do with the Madoff and other Ponzi schemes flourishing in the US. Her main points were:
Gambler's Fallacy "the prices can only go up and not come down". People believed that about the real estate prices in California, Nevada, Florida, and so on. The result was the real estate bubble. When people wondered if the music is about to stop, some said "who cares, keep dancing". One such is Citibank CEO Chuck Prince back in 2007, just before the housing bubble went kaboom.
Preying Upon Fairness / Greed. According to McKenna, many of the people who perpetrate such scams are preying upon people's innate need for fairness (and greed). The victims are tired of seeing the rich get like 16% a year on special investments when they get only 1% in money market accounts. The victims think "Why not me?" And Ponzi schemers are ready to fulfill this "need".
"Once you have their money, you never give it back." For those of you who do NOT watch Star Trek: Deep Space Nine, it is rule number 1 in Ferengi Rules of Acquisition. McKenna pointed out that many of the "victims" who benefited from the Madoff scam (i.e. took out MORE money than they put in) are fighting tooth and nail against the "clawback" lawsuits seeking return of gains so it can be refunded those who have lost money.
McKenna's conclusion is that many of the "victims" are just WILLING themselves to be tricked by the right person and they can post-rationalize their decision, even into keeping the ill-gotten gains that they somehow 'earned it'.
Ponzi schemes have always preyed upon human weakness, and the expanding world of Internet and global economics only allowed it to reach even more people and finding more willing victims.
You can combat such schemes is to look past the facade, pierce the veil of secrecy, and look at what really is behind the the wall.
You can be skeptical about such opportunities, and not be a willing victim.
The choice is yours.