Hi there, These are programs that are based on you investing a small amount of money and then recieving a % ranging from 1-24% daily for surfing their exchanges. It is important to remember that while these programs sound to good to be true and some have proven that they were indeed just that, there are a couple that have lasted over the test of time and have made people a good ROI. However, just like any other program on the Internet I suggest that with any of these that you choose to invest in that you consider very carefully the fact that you could just as easily lose your investment as make any money on them. So only invest what you can afford to lose and maybe just maybe you might have the good fortune of making a fantastic ROI with any of these programs. People continue to on a daily basis afterall so they cant be all bad. Your Newfy Buddy, Mike.