A high-yield investment program monitor, or HYIP listing/rating site, refers to a website that promotes high yield investment programs with a listing system that receives referral commissions from high yield investment programs. All of these sites use a similar type of listing system. Usually, the monitor invests some money into each high-yield investment program that they advertise then labels it as paid if the interest is paid back to them on time, or labels it as a scam if the payment is stopped. Some high-yield investment program monitors also have discussion forums that facilitate recruits of new investors into their listed high-yield investment programs. These are often carried out by the “cheerleaders” or, shills, who are advocates of high-yield investment programs. They share the same belief that a high-yield investment program is not a scam, but a good money-making opportunity as long as it pays.