NEWS UPDATE HYIP

in this issue:

1. Updates on Most Popular Programs
2. In focus: PragmasFinance.com
3. Which Is Better: Stocks Or Bonds?

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Updates on Most Popular Programs

Relaxbusiness.biz:
"Celebrating Second Anniversary All Relax Business members who had
active balance of more than $100 received monetary bonuses at the rate of
10%. We would like to thank You for choosing us. Happy birthday Relax
Business and all members. "

Italy-Fund.info:
"Dear friends, tomorrow is 1 year of activity of our club.
We started as HYIP, but soon we understood how dirty is this HYIP
world, so we are slightly moving into a different status.
Who joined us from beginning got already back 180% of the initial
investment; of course we cannot guarantee forever similar performances, but
we can assure you about our honesty and transparency.
We will do always our best to minimise the risks; we prefer to pay
less, but constantly and without surprises.
Happy birthday to us !!! And to all of you.
Best regards Bruno, Rocco, Renato, Alessandra, Daniela, Bruce, Mike and
some external consultants and traders of IF Team !!"

LucaFund.net: "Our website and email systems have been accessed by an
unauthorized person or persons again and we are in the process of
securing all vulnerabilities as well as finding out the identity of the
hacker once and for all through the IP address used to access our webserver.
For those of you who have sent us emails over the past couple days, we
are holding those emails and not sending any ourselves. We do see that
some have been replied to and we are using that information as well to
identify the person or persons accessing our system. In other words if
you have received an email from our email address over the past 72
hours it has not been from us but rather the person or persons who have
penetrated our server and mail system.
In addition to this, we feel that our e-gold and e-bullion account
payment systems may have also been compromised and we are in the process of
securing our access to both accounts. Until we are completely certain
that we have secure access to our accounts we will be holding payments
for today until we have verified this. In our first attempt to make
payments for today our payment interface gave us a message that the few
payments we initially sent went to accounts that were not specified in
our
payment program file.
We ask that everyone be patient over the next couple days while we sort
out this obstacle and we will make all payments to both e-gold and
e-bullion as soon as our payment systems are secure.
-Admin, LucaFund.net"

AmityFunds:
"Dear Amityfunds members.
As many of you already know, we have experienced several problems
during the last weeks.
Most of the problems related to the DDOS attack are resolved, and we
are happy about that.
However, a problem never shows up alone….
At the moment we are experiencing transfer problems, related to the
payment solutions we are using. To explain it in an easy way, we lack
funds in accounts to fulfill requests because we are experiencing
difficulties transferring funds to these accounts from our funding resources.
This happened due to the high amounts of withdrawals ordered in the
period we had problems. This often happens and can be described as a money
run, as many believed that we were disappearing. This however is NOT
what is happening.
We are doing our best to solve these issues, and during this process we
will not process any new withdrawals. If you have received a message
saying that your request is approved, funds will be transferred to your
account as soon as we have received funds to our accounts.
We hope to solve these issues in the near future
Flushing the system
We will soon be flushing the system for inactive members. By inactive
members, we mean members who have not made deposits or have not had any
other activities during the last month. This is done to protect our
site and flow of information.
Removal of Public Information and Public Signup
As a step to secure the AF Website, we are removing all public
information and signup links.
We will remove all advertising banners and marketing material. The only
way of signing up new members will be through your personal
backoffice, done by an existing member. The only thing showing on the AF front
page will be a login box, all other info will be moved to your personal
backoffice.
Flushing the ticket system and moving it
We know that many of you are frustrated about the response time at
support. The solution is quite easy. The ticket system is currently being
flooded by spam, and at the moment there are 19,000 unanswered tickets.
It is extremely time consuming to manually check all these tickets, so
we have decided to flush the system, and move it to the backoffice as
well. This means that all previous tickets will be removed, but will
quicken the response time for our support staff to respond to your
questions. Please do not send tickets on the subjects already covered
in this news update.
SSL Certificate
Yes, we know the certificate has expired, but its still working. And,
YES, it will be renewed.
PSHLP 6
We plan to begin PSHLP-6 in August when the website has been updated.
HYVUM
HYVUM will open during next week, and mandatory funds will be
processed.
Timeframe
The operations we are going through will take some time, but we hope to
be finished during July. Due to all the new changes, the site might be
off at times, but we are still here and working on making Amityfunds
even more secure for the long term. We ask for your patience during this
period, as we are working on securing AF for you.
Funds
We want to assure you that all programs are running normally. While we
have said this in the past, we want to reassure all members of this and
we thank you for your support and continued patience..
Kind Regards
Amityfunds Managementm"

Surfing4Dollar.com:
"We have completed our domain renewal process.In order to our domain
renewal, our website has been down for a few hours.That is naturally.Now
it is correctly working and you can log in to your account.
If you have any questions or problems please let us know. You can
Contact us via: support@surfing4dollar.com
Regards.
Support Team"

You can discuss these and many other programs with fellow high-yield
investors on our forum at http://www.hyipdiscussion.com

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In focus: PragmasFinance.com

Pragmas Finance Group offers unparalleled financial, investment and
management expertise in high-opportunity emerging markets around the
world.
Our focus on high-opportunity emerging markets sets Pragmas Finance
Group apart from "traditional" finance and investment institutions we have
a proven ability to build businesses, intermediate capital, provide
value-added strategic advice and manage assets in these markets.

The team is made up of world-class local and international market
leaders who are uniquely adept and agile in the high-opportunity markets in
which we operate. Pragmas Group's equity culture combines
entrepreneurship and an unparalleled drive for excellence delivers value and
performance for our clients and The Firm.

Extreme performance and outstanding results are the key drivers behind
Pragmas Finance. Whether measured by client satisfaction, market
leadership or return on equity, the Group consistently demonstrates that we
are among the very best in our businesses.

Our success is grounded in a non-consensus vision of the markets in
which we operate. It also derives from the Group's broad-based equity
culture, which fosters excellence, entrepreneurship and unity of purpose in
everything we do. No less essential, we absolutely insist on
attracting, retaining and rewarding only the world's best professionals who are
fiercely committed both to the Firm's independence and the markets we
serve. Pragmas Finance continues to forge new ground whether it is
creating new products and services in financial markets where we have
operated for some time, or extending our expertise and reach to new
high-opportunity growth regions around the world.

Our core values, combined with an unstoppable drive to build, are what
make us the Pragmas Group of companies.

Pragmas Finance has a comprehensive electronic execution offering for
trading Eastern Europe securities, robust infrastructure and experienced
support team. We provide global coverage and access to all liquidity
pools for Eastern Europe securities.

FIX/API Pragmas Finance clients can benefit from several options:
Anonymous high-speed Direct Market Access (DMA) execution
Execution Desk Access (EDA) with assistance of experienced
sales/traders
Receive accurate and timely Indications of Interest (IOIs) across
multiple OMS platforms and vendor networks

Access is available to the following marketplaces:
Direct membership: MICEX (Russia), RTS (Russia), LSE (IOB), PFTS
(Ukraine)
Via partner-broker: NYSE, NASDAQ
Other: OTC

Pragmas Finance is certified with the following vendor networks within
Equities:
Bloomberg
TNS
GlobalLink
Thomson AutEx
McGregor
MarcoPolo
Reuters ROR
NYFIX
Internet
Secure VPN

Dedicated 4MB leased line cables integrate Pragmas's infrastructure
into a global network uniting offices in London, New York and Moscow.

Allocations for DMA and EDA accounts can be delivered via FIX, OASYS
Domestic or OASYS Global to allow STP.

Proprietary trading platform

QUIK is a broker-neutral, multi-market data and trading technology for
institutional and individual clients. Internet browser and PDA versions
are also available.

Functionality
English and Espanol interfaces
Order Types: Limit, Market, Stop orders, Conditional orders, Time
repeated orders, Good-till-cancelled
Information on current balance of portfolio, borrowed assets, and funds
available for opening new positions
Basket Trading (with Table "Transactions Pocket")
Import transactions and automate trading operations via the standard
workstation
Export Data from most QUIK tables to MS Excel (DDE) and databases
(ODBC)
Place orders by means of the integrated programming language QPILE
Display of any parameter's dynamics for any instrument, on charts with
technical analysis elements
Alert system, transfer of unexecuted alerts to the next day
Text messages exchange with a network administrator and other users

To download a test version with real-time quotes for MICEX and RTS,
please follow the link. Please, speak to our sales representatives on how
to obtain the access codes.

Pragmas Consumer Finance (RCF) is an independently operated business
that is part of the Pragmas Group.
RCF has rapidly become a leading player in the fast-growing consumer
finance markets in Korea, Indonesia and the CIS.

Products.
PCF offers a diverse portfolio of loan products and employs innovation
distribution and cross-marketing strategies. For example, PCF is a
leading player in in-store installment loans, the consumer's current
preferred source of financing for electronic, home and other goods consumer
goods. PCF is also a market leader in co-branded products. Products
include:
Installment Loans
Auto Loans
General Purpose Loans
Credit Cards

Investments.
Forestry in Eastern Europe Pragmas Partners has a highly successful
joint venture that created the leading timber logging company in E.E. This
portfolio company now manages more than 3 million hectares of forest
lands in Eastern Europe and is rapidly becoming a company of global
scale.

Pan-Africa Banking Platform The Group is the largest investor in ETI, a
leading Western African banking franchise already operating in 15
countries. The Group is committed to creating the leading regional banking
platform in Sub-Saharan Africa.

CIS Oil Services Pragmas Partners is a strategic investor in one of the
CIS's leading diversified oilfield services company. The company
manufactures oilfield equipment, conducts geophysical and seismic studies
and provides drilling and other services to some of the leading oil & gas
companies operating in the region.

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Which Is Better: Stocks Or Bonds?
(by Randy Martin, Find-Investment-Advice.com)

Investing in securities can broadly be classified as investing in bonds
and stock market investing. How much you apportion for each depends on
your risk taking capacity. Bond investing is safer compared to stocks
but bonds give lower returns, particularly during inflationary times.
Stock market investing, on the other hand, can be quite profitable but
come with more risks: stock prices tend to fluctuate often.

Invest a portion of your money in bonds and the balance money in
stocks. If you are an older person, put less money in stocks and go for more
of bonds. If you are younger, opt for more of stock market investing,
especially in shares of companies with growth potential and proven track
record.

Shares come in different sizes and categories. There are large, mid and
small caps and there are penny stocks. As a beginner, you can invest
in large and mid cap companies and only after you gain experience, you
can consider investing a small portion in small caps and hot penny
stocks. These are the riskiest but if handled adroitly, give the largest
returns. However, it needs expertise and nerves of steel.

You should not jump in something Stock market investing; it needs a lot
of time to learn the basics of stock market investing. You can start
investing once you have gained some experience. It is suggested to
invest small amounts of your money over a period of time rather than
investing all the money at once.

If you're looking for a simpler investment strategy than stock trading,
consider investing in bonds. Top-rated government and corporate bonds
are easily available from your local banker or broker. Keep in mind,
though, that bond investing yields gain over a longer time span. The
nature of the stock market makes share investing appropriate for not only
short-term investors, but also those who have an extended time frame.

Don't let other people dictate which shares you purchase. This advice
is crucial for hot penny stocks, since these are widely deemed the
riskiest investments. Thorough research into the company, its history, its
suppliers, and all other potential factors is necessary if you must
consider them. Invest with confidence, and enjoy yourself!

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