The programs mentioned above are programs that are paying as we speak, but there is no guarantee, even more they will all disappear, not 99 but 100%!!! If someone can produce say 2% per day, why would they need other people's money?
Real HYIPS exist, but you won't find a website (at least not a public one) nor will it be discussed in any forum due to a private placement memorandum. These programs don't pay out the ridiculous ROI of the games, because there is a real product, business or trader(s) behind them.
Those programs are not accesible for the vast majority (very high minimum investment).
Not all private programs are conducting PPMs; there are many good private programs, and a few good online ones that are closed.
I recommend Feeder Fund for diversification into many other possible investments and new ones being developed. A $50 investment is well spent for a newbie, and there is good information to learn from there.
Others: Global Mutual, MPDW.