In HYIP ponzi circles the term 'Black December" is used to describe the seven or eight weeks prior to Christmas and a month or so after it.

Traditionally, it's a time when people tend to invest less in HYIPs or attempt to withdraw as much as they can of their "investments" and "winnings" to finance their Christmas spending.

Combined, these two factors, reduced income and greater demand for withdrawals spell the death knell for ANY HYIP

By far the greatest collapse rate and reports of HYIPs either not paying or stalling payments.occur during the "Black December" period and the 2 months after Christmas.

It is also the time when newbies and "true believers" who have been using their HYIP "winnings" as a sort of Christmas savings suddenly discover they have nothing but "numbers on a screen" when they attempt to withdraw their "earnings"

Google the term "Black December + HYIP" and you'll see thousands of postings going back to 2006 where HYIP ponzi players warn each other about the phenomenon.

"Smart" HYIP ponzi players and "get-rich-quickers" keep their credit cards in their pockets and stay away until at least January.

Readers can take the warning as they will.

Rest assured, though, Black December is going to happen whether anyone chooses to believe it exists or not.