It seems to me that ideal risk is 10-15%, not more. When talking about big money, that it's 4-5%. As they say, the quieter you go, the further...
I like this one: "Jack of all trades, master of none." It's always better to concentrate on something than to do everything at the same time.
Forex is more reliable than HYIP. I think that in Forex we determine success or fail in trading by ourselves. And as for HYIP.... Practice shows...
Separate names with a comma.