Melabur Emas keluaran Public Gold di Sarawak

Can gold prevent hyper-inflation? Lessons from the Rentenmark

2010-11-17T11:46:00.000+08:00

The suggestion that gold could be used as a reference point for currencies brings on memories of how Germany ended hyperinflation in 1923.

Author: Julian D. W. Phillips
Posted: Monday , 15 Nov 2010

BENONI (GOLD FORECASTER) -

Below right you see a one billion Mark note that was among the last printed notes of the Weimar Republic which saw the dreadful hyperinflation from the First World War's end to August 1923. Next to it was a currency that replaced it and which helped terminate the hyperinflation that infested Europe, but was at its worst in Germany.

This was at a time when gold was completely accepted as money internationally. Due to the economic crises in Germany after the Great War there was no gold available to back the currency. Therefore the Rentenbank in November 1923 issued the Rentenmark, a currency backed by mortgaged land and industrial goods worth 3.2 billion Rentenmark. The Rentenmark was pegged to the U.S. Dollar at a rate of 1 Dollar: 4.20 RM. At the end of the First World War, the Deutschmark was valued at 4.63 to the U.S $. The rate of the Rentenmark to the Papiermark was 1:1,000,000,000,000 (1 trillion Papiermark). The Rentenmark was only a temporary currency and was not legal tender. It was, however, accepted by the population and effectively stopped the inflation. The Reichsmark became the new legal tender on 30 August 1924, equal in value to the Rentenmark.

Together with the responsible fiscal policy of Chancellor of Germany Gustav Stresemann and Finance Minister Hans Luther it brought the inflation in Germany to an end. The Rentenbank continued to exist after 1924 and the notes and coins continued to circulate. The last Rentenmark notes were valid until 1948.

WHY DID IT WORK?

How could the German people so devastated by this abuse of un-backed paper money have accepted this new piece of paper? For a start no-one ever has a choice when it comes to everyday cash needs. Even when Zimbabwean notes were worthless, when they were printed with an expiry date, the people in that country were forced to use it, by government order. The Germans had developed all sorts of ways to bypass the use of this paper. And then the system had flopped. Well before then, foreigners had refused to accept German paper and the government had sold the German gold off overseas. So what made the German people accept this new paper currency? It was secured against something the people believed was unprintable and valuable, industrial goods and land. This appeared to strictly limit the volume of money that could be printed against it. It inspired confidence again. But a closer look showed why it was credible:

It was national money issued by one bank against collateral that could be handed over in the event of its failure.
There was one jurisdiction that imposed laws over the money and the assets involved.
It was in a region where the issuers could be held accountable and holders of the paper were essentially government/ mortgage bank creditors.

ONLY WORKABLE AT HOME

While it worked and inspired confidence, it only did so inside Germany! A foreigner would not have been welcome with such notes, to go to court against the government so he could seize the assets. To go up against a government on its turf is never wise. The national nature of the money limited it to within Germany's borders. Anybody seizing assets of Germany outside the country would have a chance, because the matter would have to be decided outside Germany's Jurisdiction, where the country would simply be a debtor of the foreigner. At that time, Germany did not have overseas assets anymore.

Currency, or government issued paper can only succeed when it is trusted and reliable. The moment it loses that trust and reliability as the Weimar Republic money had, it is worthless! Today such a scheme would not work because of the devastation of property values in so many parts of the world and the dangers that such values would fluctuate too much.

THE WORLD BANK SUGGESTS GOLD COULD ACT AS A REFERENCE FOR CURRENCY VALUES

Mr Robert Zoellick has set the cat amongst the pigeons this last week by suggesting that gold should be used as a reference point for currencies at the current time, a time when confidence in currencies is declining fast. Why did he choose gold, you may well ask? Yes, it has always been seen as money except for the last 40 years when the world has trusted the behavior of governments and their currencies. There is little chance that a Gold Standard could work in its past form that would be too restrictive of money supply. Beside the small quantity of gold available would make each piece of gold too valuable to make it a practical money. But that does not mean to say that gold could not do the job used in another way.

The head of the World Bank suggested it be used as a reference for currency values, not as money itself. This is entirely different. What virtues could gold bring to the monetary table?

Gold is internationally accepted and held by central banks.
The days when central banks implied they were going to sell their holdings and assisted the gold price to fall have passed. Central Banks are either holders or buyers of gold now.
Gold is not vulnerable to a printing press.
When economic decay sets in gold is not affected.
Gold is not vulnerable to individual government action except within the Jurisdiction of that country.
With national interests overriding international interests, international gold will remain respected money when currencies fail.
As such in the international arena, gold's value will reflect the value of currencies, whether governments like it or not. As such a currency can be devalued or revalued against gold when comparison to another currency is inadequate [such as the dollar being valued against the euro - with both suffering one form of monetary decay or another].

Just as the Rentenmark anchored currency in a post-hyperinflation nation, gold can bring such an anchor to global money. It will be unpopular until it is sorely needed because of one or more major nation's profligate behavior regarding their own currencies. This has already started as we can see in the G-20 nation meeting of this week. The cautionary note is that it worked because the nation was desperate having exhausted all other alternatives. This desperation may be needed before gold takes on that role internationally. Then gold will value each currency at its internationally exchangeable value. In such a role, you can be sure that each national government will want to control the gold in its own Jurisdiction at some point in time!

Julian Phillips is a long time precious metals analyst and is the principal writer onwww.goldforecaster.com and www.silverforecaster.com

Jutawan Muda berpindah ke Laman Web Baru

2010-03-25T15:53:00.001+08:00

Salam sejahtera pembaca sekalian...

Di sini saya ingin memaklumkan website baru saya di

http://www.publicgoldsarawak.com/wordpress/

Frequent Answer Question about Public Gold

2010-03-24T23:37:00.000+08:00

FAQs

	1.	What is Public Gold? Public Gold allows individual customers to invest in physical gold in a convenient, more secure and cheaper way. Customers can purchase gold in 999.9 fineness at all Public Gold Branches at daily quoted gold prices for 20g, 50g, 100g and 500g in Malaysian Ringgit.

	2.	Why would you want to invest in Public Gold? Public Gold is one of the best ways for a customer to build up a personal gold portfolio by purchasing small amounts of gold on regular basis over a period of time. This "cost averaging" will ensure that the total gold investment will be acquired at the average gold price.

	3.	What are the benefits of having a Public Gold? There are a number of benefits to customers and these include : Convenience of investing in gold at any Public Gold branch in Malaysia. It is secure, as it in physical forms. It is cheaper as the gold prices quoted will be pegged to international gold prices without the usual additional charges. Customers can invest in small amounts at a time i.e. minimum 20 grams. There is opportunity for capital gain if the gold price appreciates. Gold can be a hedge against inflation.

	4.	How would you make a capital gain from investing in Public Gold? Internationally, the gold price is quoted in US Dollar per ounce. For Public Gold, the gold price will be converted to the Malaysian Ringgit . You will make a capital gain if the gold price appreciates.

	5.	When is the right time to purchase gold? The right time would be when the gold price is low.

	6.	Will the gold price quoted daily be better than at goldsmith shops? The price of gold quoted daily will be pegged to the international gold price and will definitely be better than goldsmith shops.

	7.	What is Bullion? Means melting place, from the French bouillon, boiling, derived from the Latin bullio). A bullion is a precious metal (Gold) that is valued by its weight in a specific precious metal. Unlike commemorative or numismatic coins which are valued by limited mintage, rarity, condition and age, bullion coins are purchased by investors seeking a simple and tangible means to invest.

	8.	Why invest in gold bullion? Making the precious metals part of your financial planning is becoming one of the rules of good investment strategy. And people like the idea of holding something of real value in their hands, instead of trusting everything to a bank or broker. The economic forces that affect the price of precious metals are different from, and often are opposed to, the forces which determine the price of most common financial assets. This independent movement of precious metals to other financial assets can reduce overall portfolio volatility and contributes balance. Whether you are conservative or aggressive in your investment approach, precious metals can represent an important part of your asset allocation. Some experts suggest that 10-15% of portfolio assets be in precious metals. No matter what level of risk an investor wishes to take, every portfolio needs a secure foundation. Gold are one of the most liquid of all investments. It is readily portable. It is easy to store. It is recognized in every country. It is easily and discreetly bought and sold. It can be easily converted to cash at any time.

	9.	What should I buy coins or bars? Bars For the serious and large scale investor, gold bars are a simple and efficient way to invest in gold. The larger bars are usually available at the lowest premiums over their intrinsic gold value, smaller bars tend to cost more. There is a trade-off however, in that larger bars are not as flexible when it comes to selling. If you own a kilo bar, and you wish to sell, say 3 ounces, it’s not easy to slice off one end of your bar. Your choice of buyer is also more restricted as you will need to sell to a larger dealer, it is unlikely that you will find a private buyer as most people are not familiar with gold bullion bars. Coins It is sensible to consider modern one ounce gold bullion coins as being one ounce circular bullion bars. As coins are individually minted they in themselves provide their own authenticity and are available at very competitive prices compared with similar size bars. Because gold bullion coins are almost universally recognised, they are also easy to resell.

	10.	What is the spot price? The Spot Price is the internationally agreed price, based on supply and demand, for a 1 troy ounce of gold. Spot prices can change every minute.

	11.	What is a Troy Ounce? A troy ounce is the traditional unit of weight for precious metals. One troy ounce = 31.104 grams 32.151 oz = 1 Kilogram

	12.	Why do I pay a premium over the spot price? When you buy any bullion product you are buying a precious metal that has been manufactured and minted into a tradeable form. The premium over the spot price is made up of this manufacturing cost.

	13.	What is meant by the Margin Spread? When you buy precious metal you pay a premium above the live spot price, (Lets say 6%). When you come to sell your precious metal you receive a price below the live spot rate (say 1%) Therefore in this example the margin spread is 7 percentage points.

	14.	Where can I sell my precious metals? Because Gold is an international standard you will be able to trade coins and bars in most countries in the world. Public Gold offer the most competitive buy back rates in Malaysia.

	15.	How do I purchase Gold Bullion? You can call Public Gold at +604-6449999 (Main Office), or +604-2619999 (Bishop Branch).

	16.	When do I need to pay for my precious metal order? Public Gold will provide its Ringgit Malaysia account details in the contract that has been emailed or faxed to you. You must arrange for a credit to this account and confirm payment (Cash, Internet Banking, Bank to Bank transfer or Eftpos) within one and a half hours. We require this confirmation as most deposits will not process until overnight. If you do not provide this confirmation Public Gold retains the right to cancel your order.

	17.	Do I have to pay any commission on my purchase? While many institutions and dealers charge a commission on trading precious metals, Public Gold does not charge commission.

	18.	What forms of payments does Public Gold accept? As is international practice in trading precious metals, Public Gold only accepts the following forms of payment, telegraphic transfer, credit card and Internet Banking.

	19.	When can I take delivery of my purchase? This will somewhat dependent on our product schedule but you can expect to take physical possession of your purchase within 5 working days.

	20.	How are Public Gold coins packaged? Each coin will be inside individual plastic sleeve to protect them from being scratched or marked by fingerprints. Each coin will be accompanied with Public Gold official Certificate of Authenticity.

Harga Terbaik untuk membeli Emas!!~ Sekarang!~

2010-03-23T21:28:00.002+08:00

Salam Sejahtera;

Alhamdulillah saya dah selamat sampai ke Kuching setelah tamat ekspdisi mendaki Gunung Kinabalu.. Semasa di sana pun ada customer membeli emas 20gram x 2 unit & 100gram 1 unit..

Ok.. back to topic... Sekarang adalah masa terbaik untuk membeli emas.. Sila check harga di www.publicgold.com.my & www.publicdinar.com..

Sebarang pertanyaan @ tempahan sila hubungi saya di talian 019-8884452

Trend Harga Emas dari tahun 1995 hingga 2010

2010-03-19T06:18:00.000+08:00

Source: www.kitco.com

Tahun 1995 - Harga lebih kurang RM45/gram..

Tahun 2010 - Harga melonjak kepada RM140/gram..

Gred - gred Emas di Malaysia

2010-03-17T05:56:00.000+08:00

Salam sejahtera kepada pembaca sekelian, kebetulan ada masa sedikit untuk saya update blog ini sebelum bercuti mendaki Gunung Kinabalu hari Jumaat ni.

OK artikel kali ini saya nak cerita pasal gred-gred emas yang ada di Malaysia ini. maklumat ini berguna jika anda peminat barang kemas dan nak tahu di mana kedudukan/ranking gred emas ini, yang mana lebih berkualiti…dan paling penting tak tertipu lagi dengan harga yang dijual. Kadang-kadang ada penjual yang beri harga emas 916 pada emas gred 750 dan sebagainya. Ada barang kemas yang dicop kempa 916 tetapi dijual dengan harga emas gred 835….

OK ini grednya. Gred emas tertinggi (paling berkualiti sebab kandungan emas tinggi) adalah yang berada di atas. Emas gred 999.9 adalah paling berkualiti dan mahal kerana ia adalah emas yg telah ditulenkan sehingga 99.9% ketulenan. ..biasanya untuk dibuat jongkong/wafer emas pelaburan.

GRED EMAS …………… KARAT NO

999.9 24K

999 24K

950 23K (emas tarik)

916 22K

875 21K

835 20K

800 19k (emas paun)

750 18k

585 14k (emas campur)

375 9k (suasa)

Dalam hal ini gred emas terbaik adalah 999.9 dan paling rendah kandungan emasnya adalah emas suasa. Jadi untuk rujuk harga pasaran barang kemas di Malaysia boleh merujuk kepada website ini

http://www.fgjam.org.my/

Gold Prices Rise in N.Y. on Demand for Alternative to Currency

2010-03-16T18:16:00.000+08:00

March 15, 2010, 8:25 PM EDT

By Pham-Duy Nguyen

March 15 (Bloomberg) -- Gold rose in New York, rebounding from the biggest weekly loss in more than a month, on speculation that sovereign-debt concerns will boost demand for the metal as an alternative to holding currency.

The euro fell as much as 0.9 percent against the dollar after the finance ministers of Germany and France ruled out a decision today on helping Greece manage its fiscal difficulties. Moody's Investors Service said the U.S. and the U.K. have moved closer to losing their Aaa credit ratings.

"Gold is a good spot to be parking your money for the time being,' said Frank Lesh, a trader at FuturePath Trading LLC in Chicago. "Gold has that flight-to-safety aspect to it. It's going to hold its value."

Pic: Last month record highest gold price USD1,145/oz

Gold futures for April delivery rose $3.70, or 0.3 percent, to $1,105.40 an ounce on the Comex in New York. The metal fell 3 percent last week, the most since Jan. 22.

Greece is seeking to narrow a budget deficit that is the widest gap among the 16 nations that share the euro. Gold priced in euros reached a record on March 5.

Under a so-called baseline scenario, the U.S. will spend more on debt service as a percentage of revenue this year than any top-rated country except the U.K., Moody's said today in a report. The U.S. will be the biggest spender through 2013.

"Jitters lent fresh support to the precious metals," said Jon Nadler, a Kitco Inc. analyst in Montreal.

China Rate Concern

Gold's gains may be limited on concern that China will raise its benchmark one-year lending rate, curbing demand for raw materials. The Reuters/Jefferies CRB Index of 19 commodities fell as much as 1.3 percent after a 1.3 percent loss last week.

"Most countries are reluctant to raise interest rates at this point," said Lesh of FuturePath. "They don't know if their economies can handle it. But China has been tightening and they can move quickly." The Asian nation's central bank increased reserve requirements for lenders last month.

In other markets, silver futures for May delivery advanced 6 cents, or 0.4 percent, to $17.108 an ounce on the Comex. Platinum for April delivery rose $7.40, or 0.5 percent, to $1,615.80 an ounce on the New York Mercantile Exchange. June palladium futures slid $2.50, or 0.5 percent, to $460.65 an ounce on the Nymex.

Source: http://www.businessweek.com/news/2010-03-15/gold-prices-rise-in-n-y-on-demand-for-alternative-to-currency.html

Four Reasons Gold Will Remain Firm And Strengthen - Blanchard Chair-Mineweb

2010-03-15T22:23:00.000+08:00

Blanchard Chairman, Donald Doyle sees numerous reasons that point to gold's nine-year bull run continuing in both the near and long term.

Author: Geoff Candy

Posted: Thursday , 11 Mar 2010

GRONINGEN -

In a release put out by Blanchard yesterday, Chairman and CEO, Donald Doyle, points out four signs that the gold price is going to improve:

The first reason he says, is "Central bank demand for gold is likely to continue to grow, with Russia and Venezuela adding to their reserves."

The second sign is that interest rates in the largest global markets remain near zero. Which he says makes "ownership of non-yielding gold favorable and prudent, as it is a currency that cannot be debased by governments or central banks.

"Continuing low rates and currency risk that is prevalent in the market should lead to gold remaining firm in all currencies," he adds.

The third factor he mentions is that China continues to explore severing its links with the U.S. dollar. This he says, should make the yaun appreciate in the medium- and long-term.

"With China's vast dollar holdings, there should be continuing investment and central bank diversification into gold," he adds.

The final point Doyle makes is about Europe, "There are legitimate concerns with the European monetary union, and the outlook for sovereign debt markets internationally is uncertain," he says.

He is not, however, the only gold expert to think along these lines. Jeff Nichols, reiterated the position he outlined on the Mineweb Gold Weekly Podcast, last week when he spoke to Moneyweb CEO Alec Hogg on Tuesday saying, "All the major industrial nation currencies are reflecting problems in the western economies - problems that are being addressed by easy money and low interest rates that ultimately are going to be reflected in higher inflation and depreciating purchasing power for all these currencies.

The question really is not which one is stronger or weaker, but how long it is going to take for them all to be reflected in the rising gold prices."

He adds, "I don't think we will ever see gold below $1000 again. I think the things that are happening now in the world of gold are changing the future in ways that we might not have guessed a few years ago.

"The world of gold is expanding demographically in terms of the number of systems, the types of systems. We have more people with access to gold than ever before, in part thanks to the introduction of new investment vehicles. Exchange-traded funds (ETFs) are one example but if you go from country to country there are vehicles and products that are designed for local markets. In India for example we have little coins that are distributed through the postal service."

Source: http://www.mineweb.com/mineweb/view/mineweb/en/page33?oid=100776&sn=Detail&pid=1

Keratan Akhbar tentang pelaburan emas Public Gold

2010-03-15T17:59:00.002+08:00

Senarai "Safe Deposit Box" di Malaysia

2010-03-10T23:26:00.001+08:00

Salam..

Hari ni saya nak list down a few of safe box provider yang ada kat Malaysia, sebab topik "kat mana nak simpan emas" selalu sangat ditanya kepada saya. Saya juga faham, ramai readers yang busy, dan tak punya kesempatan untuk shop around nak tanya pasal safe box ni, so untuk memudahkan anda semua, The GoldBankers akan senaraikan di sini beberapa syarikat yang menawarkan servis Safe Deposit Box ni.

Pic courtesy of Google

Notes: size is pre-chosen to suit the size of Gold Bars/Coins. Yang besar2 tu tak payah lah ye..

*******************************************

ROYAL SAFE DEPOSIT BOX
For the charges & rates, please click HERE.
Address : Mentari Business Park, No.42A, Jalan PJS 8/6, Bandar Sunway, 46150 PJ.
Tel : 03-5631 0110 / 012-2381 222

SAFE DEPOSIT BOX SDN. BHD

Size 1
Size : 3" x 5" x 24"
Rental : RM130.00

Size 2
Size : 5" x 5" x 24"
Rental : RM150.00

Size 3
Size : 3" x 10" x 24"
Rental : RM170.00

Size 4
Size : 5" x 10" x 24"
Rental : RM200.00

Size 5
Size : 10" x 10" x 24"
Rental : RM250

Additional charges that apply:

Refundable Key Deposit RM200.00
Stamp Duty on Agreement RM10.00
Selected Numbers RM100.00
Break Box Charge RM250.00

Insurance : Free of RM10,000.00, additional coverage can be privately arranged for an extra RM20 per RM10,000 additional coverage, subject to a maximum of RM80,000 coverage per box.

Address :

Lot C312 & C313, Centre Wing, Metropolitan Square, D'sara Perdana

Tel : 018-215 8888 / 03-7727 8689 / 03-7727 2689

Lot S2.15, 2nd Floor, The Summit Subang

Tel: 018-217 8888 / 03-8024 8889 / 03-8024 3389

EON BANK GROUP MALAYSIA

Rates:
3" x 5" x 24" : RM90 /year
5" x 5" x 24" : RM100 /year
3" x 10" x 24" : RM110 /year
4" x 10" x 24" : RM120 /year
5" x 10" x 24" : RM130 /year
10" x 10" x 24" : RM180 /year

Stamping:
SDB Agreement : RM10.00
SDB Mandate : RM10.00

Tel : 24-hr Eon Bank Customer Service @ 03-2616 1133

OCBC Bank

Charges:
SMALL - RM150.00
MEDIUM - RM250.00
LARGE - RM400.00

Key Deposit : RM170.00
Stamp Duty : RM10.00

Branches with Deposit Box service: Ampang, Batu Pahat, Ipoh Main, Jln Yang Kalsom, JB, KL Main, Klang, Kluang, KB, KK, Kuantan, Kuching, Melaka, Muar, Penang, PJ, Segamat, Seremban, Subang Jaya, Taiping, Teluk Intan.

Tel : 03-2698 4363

ALLIANCE BANK

I find the information on the website is not helpful, you have to contact their Branch Sales Staff or Service Ambassador to know more on their safe deposit box services.

Tel : 03-5516 9988

RHB

Plan 1
Sum insured : RM10,000
Annual premium : RM30

Plan 2
Sum insured : RM20,000
Annual premium : RM50

Plan 3
Sum insured : RM30,000
Annual premium : RM90

Plan 4
Sum insured : RM40,000
Annual premium : RM90

Stamp duty : RM10
Tel : 1800-88-0243

BANK MUAMALAT MALAYSIA BERHAD

Address : 5th Floor, Menara Bumiputra, 21, Jalan Melaka, 50100 KL
Tel : 03-2698 8787

UOB BANK

Stamp duty on Agreement : RM10.00
Rental : @ prevailing rate
Key deposit : RM150.00
Activation fee for blocked SDB : @RM50.00
Lost key (s) / Break open of SDB requested by hirer : RM on reimbursement basis
Stamp duty on Account Mandate : RM10.00

Tel :
KL : 03-2612 8121
Penang : 04-2401 121
JB : 07-2881 121
Kuching : 082-287 121
KK : 088-477 121

MY SAFE DEPOSIT BOX

Medium
Size : 5" x 10" x 24"
Annual fees : RM600.00
Sum insured : RM10,000

Large
Size : 10" x 10" x 24"
Annual fees : RM800.00
Sum insured : RM15,000

X-Large
Size : 15" x 10" x 24"
Annual fees : RM900
Sum insured : RM20,000

Address : No.25, SR 1/9, Tmn Serdang Raya, 43300 Seri Kembangan.
Tel : 03-8941 3228 / 016-2166 352 / 016-2166 353

Notes: This is the HIGHEST rate ever I found for the service. Haiiiyyaaaaa.. when I ask them what is the difference between their service with other company, they can't even position their service as a better one from other provider. And I think their price is not fixed, may subject to change anytime, that is why they refuse to email me the list of rates available.

PUBLIC BANK BERHAD

No.

Type of Charges

Amount

Key Deposit

RM200-00

Replacement of One Key Lost

Actual costs incurred for the replacement of a new lock plus RM10-00 stamp duty for Declaration/Indemnity Form.

Replacement of Two Keys Lost

Actual costs for the replacement of a new lock and all other expenses incurred, plus RM10-00 stamp duty for Declaration/Indemnity Form.

Safe Deposit Box Agreement and Mandate to Operate

•	RM10-00 stamp duty for Safe Deposit Box Agreement
•	RM10-00 stamp duty for Mandate to Operate the Safe Deposit Box (if any).
•	RM10-00 for each request to change the mandate for operating the Safe Deposit Box

Rates : Not published in the website.

Branch that offer SDB service:
Johor : JB Main, Masai, Tmn Johor Jaya, Tmn Perling, Tmn Sentosa.
Kedah : Jln Kota.
KL : Bangsar, Bkt D'sara, Jln Raja Laut, Jln Sultan Sulaiman, Jln Sg. Besi, Jln Raja Chulan, Kepong, KL City Main, Jln Ampang, Seri Petaling, Tmn Desa, Tmn Maluri, TTDI.
Melaka : Jln Laksamana.
Selangor : Bdr Puchong Jaya, Bdr Sunway, D'sara Utama, PJ New Town, Sect 14 PJ, SS2 PJ, Subang Jaya, Tmn Chi Liung.
Pulau Pinang : Bkt Mertajam, Jelutong, P.Pinang (Lebuh Bishop).
Perak : Bercham, Ipoh Garden, Ipoh Main, Jln Sultan Idris Shah, Jln Yang Kalsom.
Sabah : Kota Kinabalu.
Sarawak : Bintulu, China Street, Kuching City, Sibu, Wisma Saberkas.

Tel : 1-800-22-9999 (normal working hours)

MAYBANK

Federal Territory

SSCs	Size of Box	Rental Rates (p.a.) in RM
Bangsar Baru	3" x 5" x 20" 5" x 5" x 20" 3" x 10" x 20" 4" x 8" x 20" 5" x 10" x 20" 10" x 10" x 20"	80 105 105 130 160 195
Jinjang	4" x 8" x 24" 3" x 5" x 24" 5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	130 80 105 105 160 195
Kuala Lumpur Main	3.1" x 12.4" x 23 5/8" 4.7" x 12.4" x 23 5/8" 9.4" x 12.4" x 23 5/8" 18.9" x 12.4" x 23 5/8" 18.9" x 24.7" x 23 5/8" 37.8" x 24.7" x 23 5/8"	105 145 190 215 250 400
Taman Tun Dr Ismail	5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	80 105 130 195

Johor

SSCs	Size of Box	Rental Rates (p.a.) in RM
Johore Baru SC	3" x 5" x 24" 5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	80 105 105 160 195
Labis	5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	105 105 160 195
Mersing	3" x 5" x 24" 5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	80 105 105 160 195

SSCs	Size of Box	Rental Rates (p.a.) in RM
Kuala Klawang	3" x 5" x 22" 5" x 5" x 22" 3" x 10" x 22" 5" x 10" x 22" 10" x 10" x 22"	105 105 105 160 195

SSCs	Size of Box	Rental Rates (p.a.) in RM
Kampong Baru	3" x 5" x 24" 5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	105 105 130 160 195
Komtar	3" x 5" x 24" 5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	105 105 130 160 195

SSCs	Size of Box	Rental Rates (p.a.) in RM
Ipoh Main	3" x 5" x 22" 5" x 5" x 22" 3" x 10" x 22" 5" x 10" x 22" 10" x 10" x 22"	105 105 130 160 235
Lumut	3" x 5" x 22" 5" x 5" x 22" 3" x 10" x 22" 5" x 10" x 22" 10" x 10" x 22"	105 105 130 160 235

SSCs	Size of Box	Rental Rates (p.a.) in RM
Kangar	3" x 5" x 24" 5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	105 105 130 160 195

SSCs	Size of Box	Rental Rates (p.a.) in RM
Damansara Utama	3" x 5" x 24" 5" x 5" x 24" 3" x 10" x 24" 5" x 10" x 24"	105 105 105 160
Jalan 222	3" x 10" x 24" 5" x 10" x 24" 10" x 10" x 24"	105 160 195

Negeri Sembilan

SSCs Size of Box Rental Rates (p.a.) in RM
Kuala Klawang 3" x 5" x 22"
5" x 5" x 22"
3" x 10" x 22"
5" x 10" x 22"
10" x 10" x 22" 105
105
105
160
195

Penang

SSCs Size of Box Rental Rates (p.a.) in RM
Kampong Baru 3" x 5" x 24"
5" x 5" x 24"
3" x 10" x 24"
5" x 10" x 24"
10" x 10" x 24" 105
105
130
160
195
Komtar 3" x 5" x 24"
5" x 5" x 24"
3" x 10" x 24"
5" x 10" x 24"
10" x 10" x 24" 105
105
130
160
195

Perak

SSCs Size of Box Rental Rates (p.a.) in RM
Ipoh Main 3" x 5" x 22"
5" x 5" x 22"
3" x 10" x 22"
5" x 10" x 22"
10" x 10" x 22" 105
105
130
160
235
Lumut 3" x 5" x 22"
5" x 5" x 22"
3" x 10" x 22"
5" x 10" x 22"
10" x 10" x 22" 105
105
130
160
235

Perlis

SSCs Size of Box Rental Rates (p.a.) in RM
Kangar 3" x 5" x 24"
5" x 5" x 24"
3" x 10" x 24"
5" x 10" x 24"
10" x 10" x 24" 105
105
130
160
195

Selangor

SSCs Size of Box Rental Rates (p.a.) in RM
Damansara Utama 3" x 5" x 24"
5" x 5" x 24"
3" x 10" x 24"
5" x 10" x 24" 105
105
105
160
Jalan 222 3" x 10" x 24"
5" x 10" x 24"
10" x 10" x 24" 105
160
195

Key deposit : RM200

Rental rate :
Normal customer : Pls refer the above rates.
Private Banking customer : 50% of the rental rates.

Loss of one or both keys:
Customer at SSC : Repair, maintenance & servicing; Min RM120 for the actual cost of replacing the lock including other charges billed by the supplier, if any.

KL Main customer: Repairs, maintenance & servicing; Flat rate of RM260.

Tel : 1-300-88-6688

CIMB BANK

Please click HERE.

************************************************

Emas, Asas simpanan menunaikan Fardhu Haji

2010-03-08T20:58:00.001+08:00

Salam sejahtera pembaca sekalian;

Anda ingin menunaikan haji??? Mungkin anda terpaksa fikirkan semula jika anda menggunakan wang kertas sebagai asas tabungan haji anda.

Ianya merupakan salah satu dari kesan inflasi. Apa nak dihairankan kerana wang kertas dalam simpanan akan menyusut nilainya setiap hari. Walaupun setiap tahun dividen diberikan, ianya masih tak mampu menahan lonjakan inflasi. Anggaran kos sebenar adalah RM12,600 - RM14,000 dan perbelanjaan selebihnya disubsidi oleh Tabung Haji. Tapi sejauh mana pihak Tabung Haji mampu menampung subsidi yang meningkat setiap tahun. Sampai satu masa ianya akan meletus juga akibat daripada inflasi.

Setiap tahun kos sara hidup meningkat dan agak menghairankan ianya tidak selari dengan peningkatan pendapatan. Ia menunjukkan kuasa beli kita semakin kurang.

Datuk Salleh Majid berkata.. “Gaji seorang akauntan yang baru mula bekerja pada tahun 1978 ialah RM2000, dan sekarang gaji mula seorang akauntan masih RM2000”

Bukankah ada sesuatu yang tak kena dengan sistem matawang ini.

Jika sepuluh tahun dulu seorang pakcik yang mementingkan kehalalan dan toyyiba (tak mahu terlibat dalam riba/dividen/bonus) berhajat menunaikan haji, bertanya kepada pegawai Tabung Haji.

“Tuan berapa banyak duit yang diperlukan untuk naik haji”

Maka diberitahu kepadanya RM6000.

Dengan penuh takwa, dikumpulnya RM50 sebulan. Genap sepuluh tahun pergilah pakcik tu ke Tabung Haji.

“Nak, ni pakcik bawa RM6000, Pakcik nak pegi Mekah..”

Pegawai tu pun jawab.. “Eh pakcik nih, mana cukup RM6000 nak ke Mekah”

“Dulu kata RM6000 boleh naik haji..apa ni??”

“Tu 10 tahun dulu.. la ni naik Air Asia pun tak tentu cukup..” kata Pegawai tu..

Sekiranya pakcik tu mengumpul RM50 sebulan selama 5 tahun lagi, bolehkah anda jamin kos menunaikan haji masih RM9000 lebih?? Sudah tentu tidak bukan...

Tapi jika pakcik itu menggunakan dinar emas sebagai asas simpanan untuk menunaikan haji, insyaallah ianya akan lebih dipermudahkan.

Jika pakcik itu mengumpulkan 1 dinar emas setiap 4 bulan, selama 10 tahun pakcik itu mampu mengumpul lebih kurang 30 dinar emas. Harga 30 dinar emas pada ketika ini (8 March 2010) lebih kurang RM16,800. Jadi Pakcik itu masih mempunyai duit lebih untuk berbelanja kepada cucu bila pulang dari Mekah nanti..

Percaya atau tidak, kos menunaikan haji bagi umat Islam sekitar Asia Tenggara adalah 30 dinar emas sejak 20 tahun dahulu. (Saya tak ingat sumbernya – akan diberitahu kemudian)

Tabung Haji mungkin patut menukar potfolio simpanan dalam bentuk emas. Sebaiknya anda mulakannya dengan diri sendiri dahulu. Tetapkan simpanan anda dengan 1 dinar emas setiap bulan.

Untuk melihat harga Dinar Public Gold; sila lawati ke website ini Public Dinar. Jika anda berminat memiliki dinar emas sila hubungi saya atau dealer Public Gold yang berdekatan dengan anda.

Teks Ucapan Tuan Guru Nik Aziz Mengenai Peranan Dinar Emas

2010-03-06T16:03:00.000+08:00

Teks penuh ucapan Tuan Guru Nik Aziz seperti berikut:

"Dihiaskan (dan dijadikan indah) kepada manusia, kesukaan kepada benda-benda yang diingini nafsu, iaitu perempuan-perempuan dan anak-pinak, longgokan harta benda yang banyak berpikul-pikul, dari emas dan perak, kuda peliharaan yang bertanda, lagi terlatih, dan binatang-binatang serta kebun-kebun tanaman. semuanya itu adalah kesenangan hidup di dunia(yang bersifat sementara). dan (ingatlah), pada sisi Allah adalah tempat kembali yang sebaik-baiknya (iaitu syurga yang kekal abadi).

(Surah Ali Imran, ayat 14)

Alhamdulillah, marilah sama-sama kita merafa'kan setinggi-tinggi kesyukuran ke hadrat Allah subhanahu wa taala, kerana hanya dengan limpah izin dan inayah-Nya sahaja, kita dapat menjayakan majlis makan malam, sempena "Persidangan Ekonomi Dinar Emas peringkat Antarabangsa" yang sangat penting lagi amat bersejarah ini.

Dato'-dato', Datin-datin, tuan-tuan dan puan-puan yang dikasihi sekelian,

Pada tanggal 27 Syaaban 1427 hijriah, bersamaan 20 September 2006 yang lalu, Kerajaan Negeri Kelantan telah mudahkan kepada rakyat Kelantan amnya, dengan penjualan kepingan-kepingan dinar yang diperbuat daripada emas tulen 22 karat, bersamaan seberat 4.25 gram.

Pelancaran emas dinar Kelantan tersebut, bukanlah bermaksud Kerajaan Negeri Kelantan mahu menggantikan penggunaan ringgit Malaysia dengan dinar!

Kerajaan negeri mahupun Kerajaan Pusat sekalipun, tidak mampu, malah tidak ada kuasa untuk berbuat demikian. Bahkan, kerana wujudnya perjanjian di peringkat antarabangsa, yang memutuskan bahawa emas dan perak tidak lagi boleh dijadikan mata wang dalam ekonomi semasa.

Tindakan mewadahkan dinar yang dilakukan oleh kerajaan Kelantan, sama sekali tidak bertentangan dengan peraturan dan amalan bank negara, kerana pada tahun 2003 yang lalu, Bank Negara sendiri pernah memperkenalkan wadah dinar kepada rakyat.

Sehingga hari ini, tuan-tuan dan puan-puan masih boleh membeli dinar, yang ditempah dan dijual oleh The Royal Mint dengan tiada apa-apa masalah.

Sememangnya budaya ekonomi Islam adalah berteraskan dinar dan dirham. Dalam al-Quranul karim, perkataan dinar dan dirham ada termaktub dalam Surah Ali Imran ayat 75 dan juga dalam surah Yusof ayat 20.

Maksudnya:

Dan di antara ahli-ahli kitab, ada orang yang kalau engkau amanahkan dia menyimpan sejumlah besar harta sekalipun, dia akan mengembalikannya (dengan sempurna) kepada kamu dan ada pula di antara mereka, yang kalau engkau amanahkan menyimpan hanya satu dinar sahaja pun, dia tidak akan mengembalikannya kepada kamu, kecuali kalau kamu selalu menuntutnya.

(Surah Ali Imran : 75)

Maksudnya:

Dan (setelah berlaku perundingan), dan adik beradik Nabi Yusuf telah menjual Yusuf dengan harga yang murah, iaitu beberapa dirham sahaja...

Kedua-dua ayat al-Quran ini menceritakan, bahawa penggunaan wang dinar dan dirham, telah pun berlangsung sejak ribuan tahun, sebelum kebangkitan Nabi Muhammad s.a.w lagi.

Selain daripada ayat al-Quran, terdapat banyak hadis-hadis yang menceritakan, tentang penggunaan dinar dan dirham sebagai matawang, sehingga ke zaman Rasulullah s.a.w, sebagaimana sabda baginda : maksudnya:

"Dinar yang engkau belanjakan di jalan Allah, dinar yang engkau belanjakannya dalam membebaskan hamba. Dinar yang engkau sedekahkan kepada orang miskin. dan dinar yang engkau belanjakannya untuk ahli keluarga kamu. Yang paling besar pahalanya (di sisi Allah) ialah dinar yang kamu belanjakannya untuk (memenuhi keperluan dan membangunkan potensi hidup) ahli keluarga kamu.

Dalil-dalil daripada al-Quran dan hadis di atas membuktikan bahawa, asas sistem matawang yang digunakan di sepanjang sejarah ketamadunan manusia, sejak zaman nabi-nabi yang terdahulu, sehinggalah ke zaman Nabi Muhammad s.a.w, adalah dalam bentuk mata wang dinar dan dirham.

Bahkan sistem inilah, yang telah diamalkan di sepanjang pemerintahan Khulafa' ar-Rasyidin, sehingga berakhirnya zaman pemerintahan kerajaan atau Khilafah Uthmaniyyah pada tahun 1924 Masihi.(Untuk ditukar dengan sistem sekular Ataturk dan telah menimbulkan seribu satu masalah kepada al-insan).

Sejarah juga telah membuktikan bahawa negeri Kelantan berada di bawah jajahan takluk Kerajaan Siam suatu ketika dahulu, pihak Kerajaan Kelantan sentiasa membayar ufti kepada kerajaan Siam pada setiap tahun, dengan menghantarkan sebilangan kepingan-kepingan wang emas, yang digubah dalam bentuk bunga emas.

Ini membuktikan bahawa, penggunaan wang dinar emas bukan hanya digunakan umat Islam di Timur Tengah sahaja, tetapi telah digunakan secara meluas sehingga ke Adia Tenggara, termasuk Negeri Kelantan sejak ratusan tahun yang lalu.

Para Hadirin sekalian,

Saranan supaya kembali kepada penggunaan wang dinar emas, sebagai teras ekonomi pada zaman globalisasi ini, bukanlah dimonopoli oleh penganut agama Islam sahaja.

Bahkan ramai juag ahli-ahali ekonomi dari kalangan bukan, yang inginkan wang komoditi, kahsnya dalam bentuk kepingan emas dan perak kerana kestabilan dan jaminan kebebasan yang dikandungnya.

Mereka berpendapat, alasan utama mengapa sistem wang komoditi seperti dinar emas, tidak dibenarkan oleh pihak-pihak tertentu, bukanlah disebabkan kekurangan kemahiran teknikal tetapi kerana wang komoditi mampu menggantikan sistem monetari konvensional.

Oleh kerana penggantian tersebut boleh menjadi ancaman besar, khasnya kepada kepentingan ekonomi Amerika dan Yahudi sedunia menyebabkan pihak-pihak yang berkepentingan itu gemar membuat alasan bahawa kononnya jika emas dan dinar dijadikan sebagai matawang ia akan mudah tercicir, atau poket akan cepat tembus, kerana berat membawa wang dari emas.

Dato'-dato', datin-datin, tuan-tuan, dan puan-puan yang dihormati sekalian,

Emas telah menjadi piawai bagi mata wang dunia, selama beribu-ribu tahun, sehinggalah ia diganti kepada wang kertas dollar hanya pada awal tahun 1970-an. Wang dollar tidak lagi disandarkan kepada emas, tetapi nilainya turun naik mengikut gelora permintaan dan penawaran pasaran tukaran wang asing.

Justeru, kita perlu melihat usaha pengembalian dinar dan dirham ini, sebagai usaha menegakkan sistem ekonomi yang lebih adil dan lebih telus.

Bukannya satu agenda untuk meraih populariti. Bahkan sebagai satu tanggungjawab untuk mengembalikan semula kefahaman umat Islam khasnya, berhubung peradaban dan sejarah penggunaan dinar dan dirham, serta bertujuan untuk memberi kesedaran dan keyakinan, terhadap penggunaan dinar dan dirham sebagai alternatif kepada sistem matawang, terutamanya dengan mempelopori penggunaan dinar sebagai simpanan, mas kahwin, membayar zakat, pemberian hadiah, dan sedekah untuk bekal akhirat sebagai harta cagaran di pusat-pusat gadaian ar-Rahnu, sebagai upah kepada perkhidmatan atau sumabangan yang tertentu dan sebagainya.

Saya telah difahamkan bahawa sehingga ke tarikh ini, sejumlah lebih RM600 ratus ribu nilaian wang emas dinar Kelantan, telah dibeli oleh masyarakat umum. dan yang sangat menariknya, pelancong-pelancong dan pelawat-pelawat dari luar Kelantan juga, berebut-rebut untuk memiliki dinar emas keluaran kerajaan Kelantan.

Sama ada sebagai cenderamata, mahupun untuk lain-lain kegunaan mengikut keperluan masing-masing. Ini semua membuktikan bahawa, usaha ke arah mengembalikan semula penggunaan mata wang dinar, mempunyai masa depan yang amat cerah, dan akan mendapat sokongan daripada pelbagai masyarakat di seluruh dunia, tanpa mengira agama, bangsa, bahasa dan budaya. Para hadirin sekalian,

Saya selaku Ketua Kerajaan Negeri Kelantan, akan terus memberi sokongan yang sepenuhnya, walaupun dalam bidang yang terhad kepada perjuangan "Gold Dinar Economy" kerana ia merupakan satu perjuangan suci, yang dapat menyatukan dan mendaulatkan kembali umat Islam serta negara-negara kecil sedunia, daripada terus dijajah dan dibuli oleh kuasa besar ekonomi dunia.

Saya juga mengesyorkan supaya kerajaan Malaysia mengambil supaya kerajaan Malaysia mengambil langkah positif, dengan meneruskan cadangan dan landasan yang telah dimulakan oleh Tun Dr Mahathir semasa beliau menjadi Perdana Menteri dahulu, bagi menggunakan emas dalam perdagangan antara negara-negara OIC.

Perkara ini bukan merupakan isu ekonomi semata-mata.

Ia sebaliknya mengandungi kemaslahatan umum yang bersifat sejagat, yang perlu diperjuangkan secara konsisten oleh kita semua. Jika negara-negara Kesatuan Eropah boleh menggunakan matawang mereka sendiri, dengan nama mata wang Euro, mengapa tidak kita negara-negara OIC menggunakan mata wang dinar?

Saya serahkan kepada pakar-pakar ekonomi kita, untuk terus berjuang memberi kefahaman kepada masyarakat Islam, terutamanya pimpinan dan golongan cendikiawan.

Di kesempatan ini, saya mengucapkan tahniah dan syabas kepada pihak penganjur persidangan ini, dan juga semua pembentang kertas kerja, sama ada dari luar negara mahupun dari dalam negara, yang sama-sama telah bersatu tenaga dan idea, dalam menjayakan "Persidangan Ekonomi Dinar Emas peringkat Antarabangsa," yang sangat penting lagi sangat bersejarah ini. - mks.

8 Sebab Mengapa Anda Perlu Beralih Kepada Emas

2010-03-06T15:58:00.003+08:00

Emas	Wang Kertas
· Tiada susut nilai dan inflasi. Pada zaman Nabi S.A.W., harga seekor kambing adalah sedinar. Pada zaman sekarang pun masih sedinar seekor. Sedinar sekarang adalah lebih kurang RM570.00. (1 Dinar = 4.25gm).	Setiap hari susut nilai. Satu ketika dahulu contohnya, duit Indonesia tidaklah seperti sekarang di mana 100,000 rupiah = RM35.00. Dulu nilainya lebih tinggi.
· BERNILAI kerana ia logam.	DIPERNILAI kerana ia kertas yang dicop sahaja.
· Laku satu dunia setiap masa. Orang Kemboja yang berhijrah ke Malaysia kini kaya raya di Kelantan kerana menggadaikan emas mereka untuk dijadikan modal meniaga batik. Bayangkan kalau mereka bawa duit kertas negara mereka pada ketika itu, nescaya tak laku kerana negara mereka pada ketika itu kacau bilau,	Laku pada waktu aman sahaja. Contoh depan mata ialah Iraq, dimana selepas kejatuhan Saddam, wang kertas negara tersebut terus tiada nilai.
· Pelaburan paling terjamin dan menguntungkan. Kos nak pergi haji tahun 2006 ialah 68 dinar tapi dijangka tahun 2009 hanya perlu 30 dinar sahaja. Jadi anda tak perlu tambah duit dan dapat pergi haji lebih ramai.	Kalau anda menabung bentuk duit, nescaya anda perlu tambah lagi wang anda walhal anda nak pergi seorang saja.
· Kebanyakan ilmuan ekonomi adalah penyimpan dinar. Mereka tahu tentang tipudaya wang kertas ini.	Disimpan oleh rakyat. Beratur di bank sebulan sekali nak simpan duit RM100.00 - 200.00. Jangan malukan diri anda lagi.
· Negara China adalah penyimpan emas terbanyak dunia. Untung bisnes semua beli emas. China memang kuasa besar dunia tak lama lagi kerana mempunyai emas.	Amerika negara pencetak wang kertas terbanyak dunia tanpa sandaran emas. Hanya cetak dan beli minyak dari Arab, beli alat pertahanan tapi sekarang, semua sudah tahu tembelang Amerika, cetak duit kertas tanpa emas. Dijangkakan matawangnya akan terjejas.
· Peningkatan purata 11% setahun tanpa susutnilai. Rujuk www.kitco.com	Susut nilai setahun 37%. Bonus ASB baru 7% setahun..rugi 30%. Tapi ramai tak nampak.. yang kita nampak kertas aku makin banyak.
· Tiada siapa boleh main harga kerana ia memang berharga.	Alat paling bahaya kerana penyangak matawang sentiasa ada. Tak takutkah anda jika RM100,000.00 anda di bank dibuang 3 kosong dibelakang menjadikan duit anda jadi RM100.00 saja! Tidak mustahil kerana kertas semata-mata, ia hanya diperhargakan..

Dinar Emas Elak Manipulasi(Nik Aziz & Mahathir)

2010-03-05T12:16:00.002+08:00

Dinar Emas Elak Manipulasi ( Nik Aziz & Dr Mahathir)

BERITA DIPETIK DARI HARAKAHDAILY

KUALA LUMPUR, 24 Julai (Hrkh) - Menteri Besar Kelantan, Tuan Guru Dato' Nik Abdul Aziz Nik Mat menggesa anggota gabungan Persidangan Negara-negara Islam (OIC) supaya menggunakan Dinar Emas untuk menghalang Amerika Syarikat dan Yahudi terus menguasai ekonomi dunia.

Dalam ucapannya di Pusat Dagangan Dunia Putra (PWTC) sebentar tadi, Nik Aziz mempersoalkan jika Kesatuan Eropah boleh menggunakan Euro sebagai matawang sendiri, mengapa tidak negara OIC.

Beliau yang juga Mursyidul Am PAS menegaskan, penggunaan dinar boleh menjadi teras kepada penyatuan negara umat Islam dari sudut ekonomi untuk bangkit dari dibuli penjajahan kuasa besar dunia.

Nik Aziz turut mengesyorkan kerajaan Malaysia, supaya mengambil langkah positif, meneruskan cadangan dan landasan yang dimulakan oleh bekas Perdana Menteri, Tun Dr Mahathir Mohamad semasa beliau menjadi Perdana Menteri dahulu, bagi menggunakan emas dalam perdagangan antara negara-negara OIC.

"Perkara ini bukan merupakan isu ekonomi semata-mata," tegasnya. Kerajaan Negeri Kelantan menurutnya mengorak langkah pada tahun lalu untuk memperkenalkan dinar emas kepada rakyatnya.

Beliau turut berbangga kerana pelancaran dinar emas mendapat sambutan yang amat menggalakkan daripada rakyat Kelantan dan pelancong yang berkunjung ke negeri Serambi Mekah itu.

Nik Aziz berkata demikian dalam Majlis Makan Malam sempena 'Persidangan Antarabangsa Mengenai Ekonomi Gold Dinar' yang dianjurkan di PWTC pada 24 dan 25 Julai ini yang turut disiarkan secara langsung menerusi www.kelantan.tv.

Selain Dr Mahathir sebagai pemidato utama, persidangan dua hari itu mengemukakan beberapa tokoh ekonomi Islam antarabangsa antaranya, Profesor Madya Dr Ahamed Kameel Mydin Meera, Profesor Masudul Alam Choudhury, Sheikh Imran N. Hosein, Umar Ibrahim Vadillo, dan lain-lain.

Hadir sama dalam majlis tersebut ialah Naib-naib Presiden PAS, Dato' Husam Musa, Mohamad Sabu dan Exco Kerajaan Negeri Kelantan, Abdul Fatah Mahmood.

__________________________________________________________________________________

KUALA LUMPUR: Tun Dr Mahathir Mohamad berkata, walaupun urusniaga menggunakan dinar emas boleh mengelak manipulasi dan penipuan, tetapi malangnya tiada negara, termasuk negara Islam yang mahu melakukannya.

Bekas Perdana Menteri berkata demikian selepas menyampaikan ucaptama di Persidangan Antarabangsa mengenai Ekonomi Emas Dinar 2007 di Pusat Dagangan Dunia Putra (PWTC) hari ini.

Beliau berkata, seketika dahulu Malaysia pernah mahu menggunakan dinar emas dalam urusniaga tetapi tidak berjaya dilaksanakan kerana tiada negara lain yang sedia menjalankan urusniaga menggunakannya.

Bagaimanapun, beliau tidak membuat cadangan khusus supaya kerajaan menggunakan dinar dalam urusniaganya.

"Tetapi kita masih boleh melaksanakannya hari ini kerana Dolar Amerika tidak ada nilai," katanya kepada wartawan.

Beliau berkata, dinar emas tidak sama dengan matawang kerana kerana ia tidak boleh dimanipulasi di pasaran semasa.

Katanya, dinar juga boleh digunakan untuk pelbagai tujuan dari urusniaga harian sehingga kepada urusan perkahwinan dan ibadah haji.

Bagaimanapun, katanya, untuk menjadikan dinar emas sebagai wang alternatif perniagaan bukanlah mudah kerana ia boleh menyebabkan ekonomi negara gagal atau musnah.

Sementara itu dalam ucaptamanya, Dr Mahathir berkata, sekalipun Malaysia menggunakan dinar emas, namun sistem perdagangan lama terus digunakan.

"Apabila kita memperkenalkan perbankan Islam, sitem perbankan lama masih dikekalkan," katanya.

Beliau berkata, Bank Pusat patut menerima bayaran dari pengimport di dalam negeri dan dan digunakan untuk membayar kepada pengekport dari negara sama.

Bagaimanapun, kata Dr Mahathir, dinar emas masih mempunyai masalah iaitu dari segi pengangkutan kerana ia sangat berisiko.

Bekas Perdana Menteri itu juga berkata, umat Islam hari ini menjadi lebih kaya dari sebelumnya, khususnya dari segi pendapatan dalam dolar Amerika, tetapi tidak menggunakan sistem perbankan ataupun atau wang untuk kepentingan mereka.

Menurut Dr Mahathir, mereka sebaliknya menyimpan wang di negara luar khususnya di Amerika yang digunakan oleh kuasa besar itu untuk membunuh orang Islam di Palestin, Iraq dan Afghanistan.

"Saya kira para ulama perlu mengeluarkan fatwa bagaimanakah hukumnya orang Islam yang menyimpan wang di Amerika yang kemudiannya digunakan untuk membunuh orang Islam sendiri," katanya.

Turut serta dalam persidangan yang dianjurkan Institut Penyelidikan dan Kajian Startegik Kelantan (KRISS) dengan kerjasama Marslio adalah penasihat-penasihat kewangan Bank-Bank tempatan, pakar-pakar ekonomi luar negeri dan tempatan serta pelajar-pelajar ekonomi Universiti tempatan dan antarabangsa.

Gold to reach $1,500 by year end, continue decoupling from dollar - Jeff Nichols-Mineweb

2010-03-04T22:30:00.002+08:00

But, there are a few clouds on the short term horizon

Author: Geoff Candy

Posted: Wednesday , 03 Mar 2010

GRONINGEN -

The links between the dollar and gold are likely to continue to weaken in coming months as, globally, major currencies continue to decline.

Speaking on the Mineweb Gold Weekly Podcast, Jeff Nichols, MD, American Precious Metals Advisors, said, "The issue really is that all the major currencies are weak currencies - in a sense they're all sinking ships - the question is which ones are sinking faster - which ones are sinking slower?

I'm looking at the whole complex of currencies and thinking that the dollar, yen, pound and some of the other currencies are all weak - they're all going to be depreciating against gold - they're all going to be losing purchasing power and so it doesn't matter which one is losing it fastest in terms of gold - they're all going to be going down."

But, he says that this doesn't mean that gold is only going to go up. The yellow metal, he says, remains vulnerable in the short term not only to the flow of US economic news but also to the foreign exchange markets.

"Some relaxation of fear about Greece and sovereign risk spreading to other European economies is going to be reflected in the foreign exchange markets, and even though I said that the dollar and gold are delinking, big moves in the currency markets are going to spill over into the gold market in the short term and will be important determinants of what happens in the weeks ahead."

"Similarly," he says, "the economic news in the US, particularly with regard to unemployment, with regard to consumer prices and essential signs of the economy is improving or not improving, are going to be reflected in the short-term movement of the metal.

What about the longer term?

While the short term outlook has a few clouds on the horizon, in the longer term Nichols is very bullish on gold. Part of the reason for this he says, is the drying up of some of the speculative selling that had pushed down prices.

"From a fundamentals view point, the selling that's been going on over the last few months, beginning in early December 2009 continuing in January and into February 2010 was principally selling of derivative products, futures, options other paper instruments if you will, by short term traders and institutional speculators - people who have no long term allegiance to gold but view it as an instrument to be traded along with the US dollar and other financial instruments... the buying is in physical form by people, and some institutions, that have a long term affinity to gold and are likely to be long-term savers rather than traders and some of that gold will probably never come back to the market again.

The process overall over the last couple of months has left the gold market in a much firmer, much more positive position than we were a few months earlier."

And he adds, this is all happening against a backdrop of year of very expansionary and inflationary US monetary policy.

"We have the prospect of ever larger Federal budget deficits that ultimately will be financed by the Federal Reserve through monetary creation which promises to bring depreciation in the dollar both in terms of its foreign exchange rate and in terms of its domestic purchasing power - those are all very positive for gold over the longer run as is the strength of demand that we are going to continue seeing from the Asian economy.

"I am looking at the end of 2010 to hit the $1500 level - it doesn't mean it's going to hit $1500 and keep rising indefinitely, but we will see $1500 at some point in 2010 - with lots of ups and downs or round a long term up trend - lots of volatility in other words and ultimately in the next few years there is a very good chance we will see $2000, even a good possibility of $3000 or higher over the next several years."

Source: http://www.mineweb.com/mineweb/view/mineweb/en/page34?oid=99961&sn=Detail&pid=1

Dapat RM6,000 dalam masa 20 minit

2010-03-02T23:07:00.002+08:00

Assalammualaikum..kepada para pembaca geng..dah beli emas..dah beli?Alhamdulillah..tahniah..kerana anda adalah seorang yang bijak kerana memilih emas sebagai alternatif asset…

ok kali nie geng nak cerita pulak pasal pembeli-pembeli emas yang masih lagi bersifat 4D (duduk, diam ,dapat ,duit)….kenapa geng cakap begini?kerana masih ada…ok sebelum tue geng nak minta maaf kepada pelangan-pelangan yang membeli emas..tak kira pelangan geng atau pun pelangan agen PG lain..geng bukan nak mengherdik atau menghina tuan-tuan dan puan-puan..cuma geng nak menyedarkan yang apa yg tuan-tuan beli itu emas…emas nie adalah ibu kepada kekayaan…haaa bukan ibu duit…mai..geng nak ajar macam mana nak tarik emas..hehehhe gilo apa…bukan..nak ajar nak gandakan emas…..

ok sebelum tue..mukadimah…

kebanyakkan pelangan geng yang membeli emas..ada banyak tujuan…

nak bayar hutang kredit card
nak untung dari jual beli masa harga naik
nak bayar PTPTN (yang nie porpular)
modal perniagaan
pelaburan gabungan….emas+asb…dll
dan macam-macam

Tapi adakah dengan menbeli 50g atau 20g emas boleh langsaikan semua itu..tentulah tidak…kerana ada beberapa pekara yg dibuat oleh pembeli emas terhadap emas mereka:-

simpan tunggu hujung tahun untuk kenaikan
gandakan emas melalui kaedah 1 bulan 1dinar yang geng ajar

ok disinilah yang membezakan orang bijak dengan orang cerdik(dalam bahasa kedah cerdik nie macam kreatif dan inovatif…”mana ada org kedah cakap hang kreatif dan inovatif betoi”..orang kedah akan cakap…”hang nie cerdik betoi la”..haaaaa..jadi jgn salah faham )..ok main point

sebelum nie geng ada ajar para pembaca mengenai cara-cara nak merempit emas dengan mengunakan Ar-Rahnu…dalam tajuk

http://geng916.com/2010/02/bagaimana-nak-menambah-emas-dengan-bantuan-ar-rahnu/ dan http://geng916.com/2010/02/pengalaman-aku-merempit-vroom-vroom-vrooommmmmm/

ok..kali nie geng nak ajar macam mana nak tukar 20g ke pada RM6k dalam 20 minit!!!..hah!!! biar betul?mcm mana emas 20g boleh bernilai RM6k?skim cepat kaya ke ?..tikam nombor ke?skim pelaburan emas ke?…hehhehehe tak lah..ini cuma cara altenatif yang geng nak berikan kepada semua pelangan-pelangan emas…..kepada sesiapa yang membeli emas..selain dapat emas dari geng..geng jugak akan memberi panduan-panduan dan kaedah-2 nak manipulasi emas tue….hehehhe En Syukor Admin jutawan emas cakap…nilai emas tak boleh dimanipulasi….tapi sekarang geng nak ajar macam mana nak manipulasi emas pulak..hehehehe…

ok..konsepnya masih sama..iaitu mengunakan A-rahnu jugak….

ok mari mula…geng guna 20g.sebab ini emas yang antara terporpular dan katakanlah nilai gadaian emas 999 RM140 dan emas 916 RM129 (ikut semasa )

20g

bawa 20g pergi pajak…akan dapat 65% (sila rujuk pengiraan pada artikal yg lalu..http://geng916.com/2010/02/bagaimana-nak-menambah-emas-dengan-bantuan-ar-rahnu/ ). lebih kurang RM1820 (20g nie kita anggap sebagai modal)…jadi bulan-bulan (65%+upah simpan) RM 323/bulan

duit RM1820 pada masa yang sama beli dinar….katakan 1 dinar pada masa itu berharga RM 560..jadi boleh beli…3 keping 1 dinar dengan berjumlah RM1680…jadi baki belian dinar tadi dengan duit pajak adalah RM140 (jangan joli lagi baki duit nie)

3 keping 1 dinar (3 dinar)

dipajakkan semula 3 dinar tadi..dapat 65% = RM1069….bayar bulan (65%+upah simpan) =RM 189.70/bulan

duit RM1069 beli dinar lagi..1 dinar RM560….jadi boleh beli 2 keping 1 dinar la..RM1120.. (ehh tak cukup nak beli 2 dinar nie!! nak tambah pakai duit mana?..aduhh duit baki pajakkan tadi la..kan ada lebihan RM140?..jadi topupkan la……RM1069+RM140 =RM1209 ..haaa kan cukup..siap lebih lagi..RM1209-RM1120 = RM89 .. jangan joli duit nie..simpan)

2 keping 1 dinar (2 dinar)

pajakkan semula 2 dinar….jadi dapat = RM712.70…jadi bulan-bulan RM126/bulan.

beli 1 dinar pulak RM560..jadi baki RM152.70…. ok..baki nie RM152.70 dan RM89 nie buat apa?suka hati korang la…tapi kalau geng beli lagi 1 dinar..hehehe..jadi RM152.7+RM89= RM 241.7….. 1 dinar RM560 ..oleh itu kena tambah lagi RM560-RM241.70= RM318.30… tambah saja dgn duit poket untuk beli bonus 1 dinar lagi tampa pajak….

ok sekarang dah ada berapa keping emas?

20g (ada di Ar-rahnu)
3 keping 1 dinar (ada di AR-Rahnu)
2 keping 1 dinar(ada di Ar-rahnu)
1 keping 1 dinar (ada dalam tangan)

jadi jumlah semua emas? 20g sekeping, 1 dinar ada 6 keping (1 dinar 4.25) 6 keping? = 4.25g x 6 =25.5g

ok berapa bayaran bulan-bulan untuk tebus emas?…..RM323+RM189.70+RM 126 = RM 638.70/bulan sahaja…

berapa la jumlah nilai emas yang dibeli dalam 20 minit?….

katakan kita ambil harga 20g = RM2700, 1 dinar RM562 (6 keping = RM3372) jadi total harga emas yang kita ada…Rm2700+RM3372 = RM6072 (ehhh!!! biar betul?…kenapa tak percaya ka?)

jadi dalam masa 6 bulan tuan-tuan dan puan-puan akan ada emas yang nilainya RM6072….umpama kita simpan duit bulan-bulan RM1000 dalam bank..6 bulan ada RM6000….tapi dengan cara ini tuan-tuan hanya perlu simpan RM600 sebulan sahaja…jimat RM400( ini nak buat apa?ahhh pikir la sendiri…jadilah pembeli bijak dan cerdik hehehehe)

oklah jom kita samakan emas yang terkumpul dengan harga terkini emas Public Gold dan Public Dinar

emas 20g = RM2722
1 dinar = RM562 => 562×6=RM3372
jumlah semua nilai emas….RM 6094

pastu buat la lagi sekali lagi 6 bulan…katakanlah sama…jadi RM6094 x 2 penggal = RM12188 setahun..Tidakkkkkkkkkkkk!!!! banyak nya duit akuuuuuuuuu…..

kalau x 10 thn? @ 20thn? haah..kiralah sendiri…jangan sampai sakit jantung sudah sebab terkejut….

jadi berapa modal sebenarnya?hehehe 20g saja..+ ekstra RM318.30 sahaja..hehhehe…hebat betul bila ada emas nie….

ok macam mana?semua ini dalam masa 20 minit sahaja..tapi kenapa 20 minit? good question

ok ini kerana harga public gold berubah setiap 20 minit hehhehe..jadi kena cepat lock…ok

baik katakan lepas baca artikal nie tuan-tuan dan puan-paun dah nak buat..apa yg perlu buat dulu:-

emas 20g kena ada
pastikan agen anda ada stok emas
pastikan anda komputer berinternate bersama anda
anda tahu lokasi ar-rahnu
pastikan agen anda free waktu nak buat nie..sebab anda kena bawa agen pergi sekali di ar-rahnu…
pastikan ada dah buat kiraan dulu
budget kena ada la…

amacam?cuba buat kiraan sendiri dengan merujuk laman web public gold dan public dinar..anda pasti terkejut….ohh untuk renungan..bagi sesiapa yang nak buat bandingan simpanan emas dengan simpanan saham amanah…lihat gambar dibawah…Graft harga emas VS keuntungan dividen amanah saham…dan cuba fikirkan (klik untuk besarkan)

ok..ada apa-apa boleh call Geng di 019-8884452…. nak beli emas pun boleh call geng..kalau nak jemput bagi taklimat pun boleh..heheheh..nanti bila ber jaya hebahkanlah….(pahala bila kita kayakan orang lain)..kepada sesiapa nak ambil artikal nie dan postkan dalam blog nya..silakan geng bagi..ilmu free…tapi sila tulis dari mana sumber yek…terima kasih…ohhh minta daftar dalam blog geng nie yek..

p/s hampir terlupa…macam mana nak dapat cash? hmmm pajak atau jual saja…tapi kalau geng pajak saja ..pastu deal dengan agen suruh cari pelangan untuk beli emas yg dipajak…bagi la upah kat agen..RM50/sale pon ok..ingat senang ke agen nak kempen dan cari idea untuk keuntungan pelangan?ala tak luak pun RM50..hehehhe….

ini adalah hadiah dari geng kepada semua pembeli emas terutama pelangan geng…siapa kata beli emas takleh kaya?hehehhe nak beli call geng…kita bincang untuk cambahkan emas…ingat dengar cerita thn nie emas akan naik kepada USD1350/oz…..sekarang dah USD1117/oz…jadi jangan lambat..heheheh manalah tahun tahun nie dapat lagi 37% atau lebih..insyaallah

source:

http://geng916.com/

Mari Berkenalan Dengan Kedai Emas Public Gold

2010-03-02T21:58:00.001+08:00

Public Fine Gold International Sdn Bhd ialah nama sebenar bagi kedai Emas Public Gold. Kedai Emas Public Fine Gold atau Public Gold berpusat di Bukit Jambul, Pulau Pinang. Kedai Emas Public Gold mengeluarkan emas jenis gold bar dan dinar emas.

Untuk pengetahuan anda Public Gold telah menjadi syarikat pertama di Malaysia yang mencipta rekod “The Malaysian Book of Record” sebagai pengeluar gold bar tempatan pertama mendapat pengiktirafan assayer dari segi ketulenan gold barnya.

Gold bar yang diiktiraf adalah 20 gram, 50 gram dan 100 gram.

Untuk pengetahuan anda, gold bar yang berjenama kesemuanya diiktiraf oleh Certified Assayer. Assayer adalah orang yang menguji ketulenan logam berharga. Setelah assayer menjalankan ujian atau ekperimen terhadap logam berkenaan dan berpuas hati dengan ketulenan berkenaan, maka assayer tersebut akan menandatangani sijil pengesahan ketulenan emas berkenaan. (What is Assayer)

Contohnya gold bar yang terkenal dan berjenama seperti PAMP Suisse akan mempunyai “Assay Certificate“.

Dengan adanya “Assay Certificate” maka pembeli boleh merasa yakin dengan kualiti emas yang dibeli.

Teknik Assay Emas terdapat beberapa teknik yang digunakan oleh assayer untuk menguji ketulenan emas contohnya Flame Atomic Absorption Spectrometry Technique (bahasa ringkas Fire Assay) dan Induction Couple Plasma, icp-oes or icp-ms.

Untuk gold bar Public Gold, teknik yang digunakan adalah Flame Atomic Absorption Spectrometry Technique (Fire Assay).

Dalam kaedah ini, sampel gold bar akan diambil, dimasukkan ke dalam ketuhar dan dipanaskan sehingga 1064° C (suhu dimana emas akan melebur).

Kemudian emas yang melebur ini akan diuji ketulenannya dengan proses-proses tertentu.

Untuk mengetahui proses secara detail tentang fire assay klik (kat sini)

Tips: Bagaimana kita boleh menguji ketulenan emas?

Bagi orang biasa cara termudah untuk kita mengetahui ketulenan emas ialah dengan menggunakan mesin precious metal tester. Biasanya mesin ini ada di Ar-Rahnu Bank Rakyat, Ar-Rahnu Agro bank atau mana-mana Ar-Rahnu.

Dengan pencapaian ini, ia sedikit sebanyak menaikkan nama Public Gold sebagai pengeluar gold bar yang berkualiti.

Bagi rakyat Malaysia, ia sedikit sebanyak memberikan keyakinan bahawa gold bar Public gold adalah setanding dengan gold bar terkemuka yang lain seperti PAMP Suisse. Jika anda berminat mendapatkan emas Public Gold, anda boleh menghubungi Agen Public Gold yang berhampiran dengan tempat anda atau terus menghubungi saya di talian 019-8884452.

Jika anda berminat untuk menjadi agen Public Gold dan menjual gold bar dan dinar emas keluaran mereka, silalah menghubungi saya atau menggunakan contact form yang tertera di atas blog ini.

Selamat berjaya dalam membuat pelaburan emas daripada saya admin jutawanmudagold.blogspot.com

Sumber Artikel (penambahan 10%):

jutawanemas.com

Malaysian Gold Dinar Initiative

2010-03-01T18:06:00.002+08:00

The usage of dinar was mooted out by Malaysia's fourth prime Minister, Dr. Mahathir bin Mohamad. He was know for his durability and outspoken figures on the world political stage, has been prime minister of Malaysia since 16 July 1981. Dr. Mahathir has played a pivotal role in the confident march of his people towards Vision 2020, his blueprint for Malaysia's advance towards fully developed status.

In 2001, Dr Mahathir mooted the idea of a gold payment system — the gold dinar — to settle bilateral and multilateral trades among countries and thereby eliminates foreign exchange risk. In this mode, gold is to be used as a medium of exchange and as a unit of account instead of the national currencies.

Prices of exports and imports are to be quoted in units of gold weights.

The proposal was to source for an alternative system in the wake of the uncertain economic situation because the conventional system is vulnerable to currency manipulation and speculation.

To understand why Dr. Mahathir proposed the usage of dinar in international trade, we have to look back to the Malaysian currency crisis which was happen in July 1997.

In his book "The Malaysian Currency Crisis, How and Why it happen" Dr. Mahathir explain that Malaysia is a country with strong economic growth, grew 8% plus annually, politically stable and economically resilient. Its currency was strong and its international debts are within accepted limit. Therefore Malaysia was certainly not a candidate for severe recession.

But yet in July 1997, its currency began to devalue rapidly and its stock market plunged to extremely low levels. The value of Ringgit Malaysia keeps falling and could not be arrested. Malaysians were bewildered as they found themselves suddenly impoverished.

The main reason for the falling value of Ringgit Malaysia is speculative attack by currency trader. Dr Mahathir blames on the speculators, which contributes heavily to the country's depreciating currency value thus affecting the overall national economic condition. The currency trader depreciates the currencies, not because they fear the currency they hold would depreciate and they would lose their money, but they see profit in shorting the currencies.

Dr. Mahathir understands the reason a currency can be attacked is because the currency is based on fiat money system. It is money that a government declares to be a legal tender although it is not backed by any asset.

He mentioned that currency have value because government put a value on it. For example, RM1 didn’t have a value of RM1 in term of paper value. It got the value because government prints the value on it. If the government prints RM5 or RM10 on the paper, the value of the paper won’t increase to RM5 or RM10. It is the government recognition and guarantee that makes the paper money got their respective value.

Lessons Learnt:

The Malaysian currency crisis in 1997-98 delivered a 5 important message.

1. Paper currencies have no real value - they are numbers printed on paper;
2. The global financial system is unstable and unjust;
3. Developing nations have little or no defense against currency speculation,
4. To defend ourselves, we must create our own trading currency of real value,
5. Gold is a safe and stable store of wealth and a globally accepted trade currency.

Gold Dinar Initiative

Dr. Mahathir courageous and successful defense of the Malaysian economy against the attacks of the currency speculators and the influence of the IMF, gave him a deep understanding of the importance of developing a common gold-based trading currency for the Muslim nations.

For the Muslim World, the Malaysian Initiative to use Gold for International Trade Settlements is a pivotal event that will offer strength and unity to the Muslim Ummah.

The 10th OIC Summit – Proposal to use gold as a trade settlement.

Malaysia has been host the 10th OIC Summit in Putrajaya in October 2003.

The proposal to use Gold as a trade settlement instrument was proposed to the attending 57 Heads of State. Bilateral Agreements commenced, developed into Multilateral Agreements which in turn will naturally evolve into a Gold Trade Bloc.

This is a platform on which all the Muslim Nations can agree and as Dr. Mahathir has stated, “…this will do more towards countering oppressions by their enemies than the futile violent retaliations.”

The use of the Gold Dinar can serve as a genuine means of unity among the OIC states, encouraging inter-OIC trade, and giving them a common trade hard currency.

The Global Effect

The Gold Dinar will mark the return of gold as a financial instrument and a true global currency. It offers the first real alternative to the other anchor currencies.

The move away from fiat paper currencies towards gold will:

• Strengthen and unify the Muslim nations
• Begin the creation a Gold Dinar Trade Bloc
• Encourage and promote inter-OIC trade
• Remove the dependence on the US dollar
• Open the way for other gold-related trade instruments and practices
• Create a just and stable global trade settlement system that can benefit all developing nations.

As Tan Sri Nor Mohamad Yacob, second Finance Minister stated, “Given this opportunity to strengthen our relationships, using the Gold Dinar, I believe it is incumbent on us as a fardhu kifayah to collectively implement this next component of the International Islamic Financial System.”

The creation of an Islamic Currency will be a challenge towards the western countries especially to the United States of America because with the implementation and the acceptance of use of Dinar the American Dollar will be less demanded.

The Statistic from the Bank of International Settlement shows that almost 80 percent of the world trade uses American Dollars as a medium of exchange (1998).

The dependency of the world countries towards the American Dollar gives the capitalist an extra competitive advantage in its overall economic condition. If the Islamic Dinar is successfully being implemented, the dominance of the World Bank and International Monetary Fund will also be affected.

Definitely the western will oppose the Malaysian intention with all might. Despite of the resistance from the west, Malaysia has its own reasons why the Islamic Dinar should be implemented in order to foster the Muslim economic conditions and activities.

In Malaysia's planned adoption of the Islamic Gold Dinar to replace the United States dollar in international trade, Ringgit would remain for local transactions. Only Dinar will be used as the international trade currency that would help unite Muslim countries, especially those under Organization of Islamic Conference (NST, 31/1/2002).

Dr Mahathir Mohamed in a press conference after addressing a public sector Workers' Day gathering at the National Institute of Public Administration (Intan) told that Malaysia's interest to use the gold Dinar for international trade is not confined to the more than 24 countries with which it has bilateral payment arrangement (Utusan Malaysia, 1/5/2002).

Initially Malaysia is trying to implement the Dinar within a small group of countries before the Dinar system could be widely accepted as a trading currency.

Resources:

1.http://www.utusan.com.my/utusan/info.asp?y=2002&dt=0629&pub=Utusan_Malaysia&sec=Muka_Hadapan&pg=mh_03.htm&arc=hive

2. http://www.islamicmint.com/newsarticles/mahathir1.html

3.http://www.utusan.com.my/utusan/info.asp?y=2002&dt=0923&pub=Utusan_Malaysia&sec=Muka_Hadapan&pg=mh_06.htm&arc=hive

4. http://www.mahathir.com/malaysia/speeches/1999/1999-01-18.php

5.http://www.utusan.com.my/utusan/info.asp?y=2002&dt=0418&pub=Utusan_Malaysia&sec=Dalam_Negeri&pg=dn_01.htm

6.http://www.utusan.com.my/utusan/info.asp?y=2002&dt=0430&pub=Utusan_Express&sec=Economy&pg=ec_02.htm&arc=hive

7. http://thestar.com.my/news/story.asp?file=/2002/10/24/nation/sbdinar&sec=nation

8.http://www.utusan.com.my/utusan/info.asp?y=2002&dt=1024&pub=Utusan_Express&sec=Front_Page&pg=fp_01.htm&arc=hive

9. http://www.mahathir.com/malaysia/speeches/1997/1997-09-20.php

10. http://www.gata.org/node/5290/print

11. http://www.mahathir.com/malaysia/speeches/2002/2002-03-26.php

The World's first Jewellery.. Buying and Selling concept base on REAL TIME Pricing

2010-03-01T14:01:00.002+08:00

Salam sejahtera pembaca sekalian;

Masa berlalu pantas, tanpa disangka hari ini sudah masuk ke bulan March. Antara berita yang menarik untuk
dikongsi bersama hari ini ialah berkenaan pelancaran produk baru daripada Public Gold iaitu Public Jewellery Sdn Bhd.

Majlis pelancaran diadakan semalam di Putrajaya. Diana Danielle telah dipilih sebagai duta/ambassador untuk barangan kemas keluaran Public Gold.

Diana Danielle memperagakan barangan kemas Public Jewellery

Apa yang menjadi bahan tarikan di sini ialah, jual beli emas perhiasan atau jewellery dalam bahasa Inggeris ialah Jual Beli perhiasan emas dari syarikat ini adalah berdasarkan HARGA SEMASA atau REAL TIME pricing yang mana adalah yang PERTAMA seumpamanya di dunia moden ini..

Antara produk yang boleh didapati di sini ialah sebagai contoh:

Pendant & Earring Set

Bracelet

Pendant

Bracelet

Necklace

Ada banyak lagi product yang menarik ditawarkan oleh Public Jewellery Sdn Bhd. Anda boleh surf/mengunjungi website berikut ini untuk maklumat lanjut =)

http://www.publicjewellery.com.my/catalogue/products_new.php

Launching Of Public Jewellery & Public Silver

2010-02-28T18:45:00.002+08:00

Venue: Dewan Seri Seroja, Jalan Diplomatik 2,
            Presint 15, Presint Diplomatik Putrajaya.Date: 28th February 2010 (Sunday) Time: 2.00pm to 6.00pm
For reservation please contact:
Katrina / Carmen   03 - 56348999
Denise / Cyrene     04 - 2619999
Cheryl / Kay           04 - 6449999
Penampilan & Persembahan dari pelakon terkenal

& duta yang akan dilantik oleh Public Jewellery Diana Danielle

Public Gold, An Alternative Form Of Investment

2010-02-28T10:42:00.001+08:00

Thinking about investing? Stock Market? A house or property? Gold? Yes, gold offers secure value and is easy to invest. Gold acts as a reliable “store of value” because it fulfils the functions of money. It is portable and divisible.

Its weight is a good measurement of a unit of value. It is indestructible, relatively scarce and cannot be “manufactured”. It is easily recognisable and acceptable as a form of payment. Historically, the value of national currencies rises and falls but the value of gold remains, remarkably stable.

Gold is an asset that does not depend upon governments or corporations promise to repay. It is not directly affected by the policies in any country and it cannot be repudiated or frozen, as in the case of assets. Gold is the most liquid asset. It can be readily bought or sold 24-hours a day in one or more markets around the world.

This cannot be said of most investments, including stocks of the world’s largest corporations. In addition, the trading spreads on bullion are generally narrower than the spreads on stocks and bonds (which are considered as liquid assets).

Finally, it takes about the same amount of time to execute a trade in gold as is does for stocks and bonds. Whether your investment approach is conservative or aggressive, gold can play a vital role in diversifying your portfolio.

Many experts urge investors to keep a portion of their total assets in gold. A typical portfolio is invested primarily in financial assets such as stocks and bonds. Gold’s low-to-negative correlation with stocks and bonds makes it an excellent portfolio diversifier.

Swisscash - Reloaded

2010-02-26T22:32:00.001+08:00

Taken from: Azizi Ali

This article was first published in the Apr 2007 issue (Issue 56) of this e-zine. Thought I'd share it with you again, so that we will not forget or be scammed so easily.

I wrote this about a certain 'investment' operating through the Internet last month. As expected, I received a couple of e-mails from the 'investors' of the scheme, telling me why I was wrong about the 'investment'. I have attached his e-mail and also my reply for your reading pleasure.

Have fun!

Assalamualaikum Saudara Azizi,

Buat pertama kali setelah beberapa lama saya mengikuti tip-tip dan nasihat berguna daripada saudara, tiba-tiba terdetik rasa kurang hormat kepada saudara. Ini hanya kerana pendapat saudara tentang swisscash yang terlalu dangkal. Sebagai seorang yang menganggap diri sebagai seorang pakar/profesional dalam memberi pandangan, sepatutnya pandangan dan nasihat tersebut datangnya daripada ilmu pengetahuan dan pengalaman mendalam saudara sendiri.

Dalam kes swisscash ini, tidak wajar jika saudara katakan bahawa daripada nama swisscash adalah bertujuan untuk menarik perhatian pelabur dengan nama switzerland sedangkan kebenarannya swisscash tidak pernah pun mengatakan bahawa mereka dari switzerland dalam website mereka. Swisscash adalah produk pelaburan oleh Swiss Mutual Fund (1948). Base mereka ialah di Republik Dominican dan pejabat operasi mereka juga di New York.

Lagi satu dakwaan saudara bahawa skim ini akan recycle duit adalah tidak tepat dan dakwaan bahawa jenis perniagaan atau pelaburan yang mereka jalankan tidak boleh diketahui oleh umum adalah tidak tepat kerana saudara boleh mendapat maklumat tersebut melalui website mereka.

Saya nasihatkan saudara cuba dulu melabur sedikit contoh usd100 atau jika tidak berminat silalah layari website grup kami untuk mendapat maklumat lanjut.

Untuk makluman saudara, saya baru saja melabur sebulan tetapi income dah lebih 40%. Jangan hilangkan rasa hormat orang lain terhadap saudara hanya kerana pandangan saudara sesekali dangkal. TQ.

MY REPLY:

Wa'alaikumsalam TMF,

If I say that Swisscash is the best investment in the world, would it make everything alright?

But how can I say such a thing when all the signs are showing that it is a Ponzi scheme? How can I say it when all the alarm bells are ringing and red flags are showing that it is a Ponzi scheme? So I cannot and will not say it because I know Get-Rich-Quick (GRQ)/Ponzi schemes will not do anyone good.

Here, you are either part of the problem or you are part of the solution. If you 'invest' in Ponzi schemes (even though the money may be just a token amount), then you are part of the problem. By staying out, then you are part of the solution.

In many ways, the GRQ schemes operating on the Internet are pretty much like the Superman movies. Everyone - except the actors in the movie - knows that Clark Kent is Superman. The signs are obvious: Kent and Superman are the same height, same size and heck, they even look the same. What's more, every time Kent is missing, Superman shows up. And every time Superman is around, Kent is not there. So the signs are obvious to everyone, except to the actors in the movie. They do not, cannot and will not see the signs.

Similarly, the signs showing that the GRQ schemes operating on the Internet (and off it as well) are scams are obvious to everyone, except to the voluntary victims. Just as the actors are blind to the fact that Clark Kent is Superman, the voluntary victims are blind to the fact that the GRQ schemes are scams. They do not, cannot and will not see the signs.

1. Semua skim Ponzi akan menggalakkan 'pelaburnya' merekrut 'pelabur' baru, kerana itulah cara utama mereka mendapatkan wang baru. (Itulah yang saudara sedang lakukan sekarang dengan meminta saya melabur diskim ini.) Tanpa 'pelabur- pelabur' baru, skim tersebut akan berkubur dengan cepat.

2. Pulangan yang dijanjikan adalah 20% (atau lebih) sebulan, yang bermakna 240% setahun! Pelabur-pelabur world class seperti Warren Buffett dan George Soros pun 'hanya' memberi pulangan 20 - 34% setahun! Adakah masuk akal orang yang tidak pernah dikenali dapat memberikan pulangan yang sebegitu tinggi? Kalau betul pula, sudah tentu semua media di dunia termasuk CNN, Fortune dan Forbes akan memberi liputan yang menyeluruh kepada pengurus dana tersebut. Kenapa tak ada? Takkanlah media dunia (yang tahu semua pelaburan lain) begitu buta dan tidak pernah mendengar pulangan yang sebegitu hebat?

3. Adakah masuk akal yang pelaburan yang baru dibuat satu bulan sudah boleh mendapat pulangan 20% bulan berikutnya?
Semua pelaburan, termasuk yang paling untung sekalipun, memerlukan masa. Kalaulah 'pengurus' dana itu betul melaburkan wang dalam forex, hedge funds dan sebagainya, pelaburan tersebut pun tidak membayar hasilnya lepas satu atau dua bulan. Jadi kalau 'pengurus' sendiri tidak dapat hasil pulangan, macam mana dia hendak bayar orang lain? Dari mana datangnya wang tersebut? Jawapannya dari poin 13 di bawah.

4. 'Pengurus' dana hanya menyebut forex, hedge funds, kommoditi dan lain-lain (to impress people who wants to be impressed) tetapi tidak menerangkan dengan terperinci tentang pelaburan-pelaburan tersebut. Siapa pun boleh sebut - sebab cakap saja.

5. Sebab pelaburan itu ada di 'offshore' tidak bermakna yang pulangannya akan menggunung. Pelaburan di 'offshore' adalah sama sahaja dengan pelaburan di 'onshore' - mutual funds, unit trusts, fixed deposits dan sebagainya.

6. Anda sendiri baru sebulan membuat 'pelaburan' (ehm, ehm) dalam skim tersebut. Adakah itu bermakna anda seorang pakar dalam pelaburan dan orang lain yang tidak melabur dangkal?

7. Pendapat dan kata-kata anda bermakna ratusan pakar kewangan di Bank Negara, Suruhanjaya Sekuriti, Azizi Ali dan juga media massa Malaysia adalah salah! Saya tidak fikir kami salah.

8. Untuk pengetahuan anda, saya telah membuat kajian yang terperinci tentang pelaburan ini di Malaysia dan juga di negara-negara asing termasuk di UK, USA dan Eropah. Very, very few people have heard of Swisscash. Isn't that strange? Only Malaysians and Singaporeans (and a handful of others) seem to know about them. Could the rest of the world be so blind? Or could we be the ones who are being taken for a ride?

9. Sebagai seorang Chartered Financial Consultant, saya telah belajar tentang semua pelaburan di dunia. Saya juga telah membaca lebih 700 buah buku tentang kewangan. Further, I have studied about money and investments for the past 15 years. So I will reserve my comments about the 'dangkal' part.

10. Tidak ada seorang Financial Consultant yang bertauliah di dunia akan mengatakan pelaburan sebegini adalah valid kerana mereka tahu ianya skim Ponzi.

11. Semua 'pelabur' skim Ponzi akan berkata "Cuba dulu. Sikit saja. Belum cuba, belum tahu." Jawapan saya: Kenapa nak cuba jika anda tahu benda itu merbahaya? Kenapa nak cuba jika anda tahu benda itu membawa penyakit? You don't have to try drugs to know that it will bring serious consequences to you, your family and everybody else around you.

12. Semua jawapan yang diberikan oleh 'pelabur' Swisscash sekarang adalah sama sahaja seperti apa yang diberikan oleh 'pelabur' skim Pak Man Telo di tahun 1980an. The exact same answers - the local banks are jealous, the government don't understand the investment and the non-investors are blind for not investing in this 'golden' opportunity.

13. Anda mendapat pulangannya kerana wang itu datang daripada pelaburan orang-orang yang baru masuk dalam skim tersebut. The money is being recycled. Just as your 'investment' is being used to pay others before you. Situasi ini mungkin akan bertahan satu, dua atau tiga tahun, tetapi apa yang pasti ialah ianya akan berkubur juga apabila tiada 'pelabur' baru. Apabila ia berlaku, anda akan kehilangan semua wang anda.

14. Jika rakan anda memberikan anda wang daripada hasil rompakan, apakah anda akan terima wang tersebut? Jika rakan anda memberikan anda wang hasil daripada jualan dadah, apakah anda akan terima wang tersebut? Saya jangka anda akan menolak wang tersebut kerana tahu ianya hasil daripada kerja yang haram. Well, wang daripada skim Ponzi juga adalah salah dan pada pendapat saya adalah haram.

15. Anda boleh ambil harta anak kecil yatim piatu - kerana dia tidak berdaya untuk menghalang anda dan dia juga mungkin tidak faham situasi sebenar - tetapi apakah tindakan anda itu betul? Jika anda tahu benda itu tidak betul, apakah anda akan melakukannya kerana peluangnya ada di depan mata? Wang daripada skim-skim tersebut adalah daripada poket orang lain. Tiada usaha, tiada kerja dan tiada apa yang di 'value-added'. Apa yang pasti ialah semua mereka akan kehilangan wang akhirnya. Kini anda tahu situasi sebenar, adakah anda masih mahu melabur di skim sebegitu?

16. At the end of the day, it is your money. You do what you want with it. Just don't drag others into it.

Are we men of steel and character or are we made of straws that can be crushed by the flimsiest wind? I'd like to think the former, where we think and act rationally, especially when it comes to investments. Kita melabur hanya selepas membuat kajian yang teliti tentang pelaburan tersebut dan risiko-risikonya, dan juga mengambil kira keadaan kewangan kita. Of course we will make mistakes along the way (I made a few myself) but that is the very nature of investments. They come with risks. So it is no shame to lose.

But it is another story altogether when it comes to GRQ schemes. All the signs are there and all the alarm bells are ringing - including warnings from Bank Negara, the Securities Commission and now Azizi Ali.

Are we so blind not to see the obvious signs? Are we so desperate that we are willing to lose our money and even our dignity in the process?

Saya boleh menceritakan 1,001 sebab lagi (klik di bawah untuk lebih informasi) mengapa pelaburan yang dibincangkan adalah satu skim Ponzi, tetapi saya tahu ia merupakan usaha yang sia-sia - kerana anda sudah membuat keputusannya. So I will not confuse you with the facts further since your mind is already made up.

"http://www.MillionairesPlanet.com/books.asp"

As for the 'respect' bit, TMF, I have never done anything in my life just to make people love and respect me. I do what I love to do, give it all I've got, do the best that I can and tell things as it is. After that, whether people judge that I'm good or small or half good or half small is up to them. If they like what I do, then I'm happy. If they don't, then that's fine too. This is a free country.

While I can warn people about the dangers, I cannot stop anyone from throwing their money away. Again, at the end of the day, it is your money. You can do whatever you want with it, including giving it to con man.

I consider this matter closed.

Wassalam.

What is a Ponzi Scheme? How Do Ponzi Schemes Work?

2010-02-26T20:21:00.004+08:00

Question: What is a Ponzi Scheme? How Do Ponzi Schemes Work?

Answer:
A Ponzi scheme is a scam investment designed to separate investors from their money. It is named after Charles Ponzi, who constructed one such scheme at the beginning of the 20th century, though the concept was well known prior to Ponzi.

The scheme is designed to convince the public to place their money into a fradulent investment. Once the scam artist feels that enough money has been collected, he disappears - taking all the money with him.

Five Key Elements of a Ponzi Scheme

The Benefit: A promise that the investment will achieve an above normal rate of return. The rate of return is often specified. The promised rate of return has to be high enough to be worthwhile to the investor but not so high as to be unbelievable.

The Setup: A relatively plausible explanation of how the investment can achieve these above normal rates of return. One often-used explanation is that the investor is skilled and/or has some inside information. Another possible explanation is that the investor has access to an investment opportunity not otherwise available to the general public.

Initial Credibility: The person running the scheme needs to be believable enough to convince the initial investors to leave their money with him.

Initial Investors Paid Off: For at least a few periods the investors need to make at least the promised rate of return - if not better.

Communicated Successes: Other investors need to hear about the payoffs, such that their numbers grow exponentially. At the very least more money needs to be coming in than is being paid back to investors.

Steps in the Ponzi Scheme

Ponzi Schemes are quite basic but can be extraordinarily powerful. The steps are as follows:

a. Convince a few investors to place money into the investment.

b. After the specified time return the investment money to the investors plus the specified interest rate or return.

c. Pointing to the historical success of the investment, convince more investors to place their money into the system. Typically the vast majority of the earlier investors will return. Why would they not? The system has been providing them with great benefits.

d. Repeat steps 1 through 3 a number of times. During step 2 at one of the cycles, break the pattern. Instead of returning the investment money and paying the promised return, escape with the money and start a new life.

How Big Can Ponzi Schemes Get?

Into the billions of dollars. In 2008 we saw the fall of arguably the largest Ponzi scheme in history - Bernard L. Madoff Investment Securities LLC. The scheme had all the ingredients of a classic Ponzi scheme, including a founder, Bernard L. Madoff, that had a great deal of credibility as he had been in the investment business since 1960. Madoff had also been the chairman of the board of directors of NASDAQ, an American stock exchange. The estimated losses from the Ponzi scheme are in between 34 and 50 billion U.S. dollars. The Madoff scheme collapsed; Madoff had told his sons that "clients had requested approximately $7 billion in redemptions, that he was struggling to obtain the liquidity necessary to meet those obligations." (Source).

IMF sale may not stop gold from hitting $1,200 by April 1

2010-02-21T10:36:00.001+08:00

By Shashank Shekhar on Sunday, February 21, 2010

A rising demand for gold from financial institutions looking forward to restructure their portfolio before March has offset a possible decline of the yellow metal's prices on the back of a recent International Monetary Fund (IMF) announcement that it plans to sell remaining 191.3 tonnes of gold.

Analysts based in Dubai observed that financial institutions, which are looking for safer havens in the countries where the financial year comes to an end in March, are heavily buying into the yellow metal, gold.

The bullion may touch a price of $1,200 an ounce by April 1, Sajith Kumar PK, CEO of Dubai- based JRG International Brokerage DMCC, said.

Gold stood at $1,118.50 an ounce in the international markets on Friday after having touched $1,125 an ounce earlier in the day.

"With almost all major currencies weakening, we are still bullish on gold. There is a feeling that gold remains the best investment option," said Sajith. The IMF issued a statement on Wednesday that it would sell the remaining 191.3 tonnes (6.15 million ounces) of gold.

This is the second tranche of IMF gold up for sale after about 212 tonnes were sold in international markets last year. Late last year, the first tranche of 403.3 tonnes of IMF gold was sold to the central banks of India, Mauritius and Sri Lanka.

The sales generated proceeds equivalent to $6.73 billion (Dh2.46 trillion) in case of India and $72m in the case of the Bank of Mauritius. The sale to the Central Bank of Sri Lanka generated $375m. IMF's sale of gold comes from its commitment to mobilise $17bn for lending to low-income countries, mostly in Africa, that have suffered from the global financial crisis.

Dubai analysts are sceptical about the sales designed to control the flight of capital to gold. "If you look deep, there is a possibility of such sales helping a flight of capital to dollar denominated products. Attempts to restrain gold prices automatically benefit dollar denominated products," an analyst said.

In response to the IMF announcement on Wednesday, the price of gold initially fell sharply, as much as $24 in international markets, but later stabilised. "The steep fall came in a market that was watching a rise in gold prices. But the announcement was quickly factored in," a Dubai-based trader said.

Analysts have generally been bullish on gold. Francisco Blanch, Global Head of Commodities Research with Bank of America Merrill Lynch, recently told Emirates Business that the bullion could touch $1,500 an ounce by the end of this year. "It would depend on whether oil touches a price of $100 a barrel," said Blanch.

Source: http://www.business24-7.ae/Articles/2010/2/Pages/20022010/02212010_253ef6a0a8434d5f866f066b6b350b4f.aspx

Dr Mahathir: Apa dan Mengapa Dinar Emas?

2010-02-18T20:50:00.001+08:00

Ulasan Dari Dr Mahathir Mohamad tentang dinar emas/Chedet.com

1. Ramai juga yang bertanya berkenaan Dinar Emas termasuk juga BBC yang mengadakan wawancara dengan saya baru-baru ini.

2. Apa yang sudah jadi kenyataan yang tidak lagi dapat dinafi oleh negara-negara di dunia ialah sistem kewangan yang ada sekarang sudah gagal untuk diguna dalam ekonomi dan dagangan baik dalam negeri atau antarabangsa.

3. Keputusan Bretton-Woods selepas Perang Dunia Kedua ialah semua matawang negara di dunia ditentukan nilainya mengikut nilai tukaran dengan matawang Amerika Syarikat.

4. Tetapi di tentukan juga yang nilai Dolar Amerika ialah sebanyak 35 Dollar untuk satu ouns emas. Ini bermakna secara tidak langsung semua matawang dinilai mengikut sekian banyak emas.

5. Di masa itu semua matawang adalah kukuh. Tetapi Britain, pada tahun 1966 telah turunkan nilai Pound British. Malaysia telah rugi banyak kerana simpanan (reserve) kita adalah dalam matawang Pound. Pada satu masa Pound yang bernilai Ringgit Malaysia 8.30 telah turun kepada Ringgit Malaysia 3.60.

6. Kemudian Presiden Richard Nixon membuat keputusan bahawa Dollar Amerika tidak lagi terikat dengan emas. Amerika telah tolak apa yang dipanggil sebagai "Gold Standard". Amerika juga memutuskan bahawa pasaran akan tentukan nilai Dolar Amerika.

7. Tetapi negara-negara lain masih percaya akan kekuatan ekonomi Amerika dan meneruskan ikatan nilai matawang mereka dengan Dollar.

8. Satu lagi keputusan dunia antarabangsa ialah nilai dagangan antarabangsa ditentukan dengan nilai Dollar Amerika dan bayaran juga dibuat dengan Dollar Amerika. Ini menyebabkan permintaan bagi Dollar Amerika menjadi kuat dan sekali gus menjamin nilai Dollar Amerika tidak jatuh walaupun tidak lagi diukur dengan sekian banyak emas.

9. Pada satu masa dahulu bank besar dibenarkan mencetak dan mengeluarkan "Bank Notes" sebagai wang yang sah dipergunakan. Kemudian pemerintah mengambil alih pengeluaran matawang.

10. Bank mengeluarkan pinjaman daripada modal dan deposit oleh pelanggan. Kadang-kadang jumlah pinjaman melebihi wang yang ada dalam bank. Tetapi ini dihadkan. Walaupun demikian pinjaman yang dikeluarkan kerap kali jauh lebih banyak dari had yang ditentukan.

11. Apabila pendeposit mengeluarkan simpanan mereka beramai-ramai maka bank tidak mampu untuk membayar balik kepada pendeposit kerana semua wang telah diberi pinjam bahkan lebih daripada itu. Dalam keadaan ini bank mesti di selamatkan (bail-out) oleh Kerajaan.

12. Melihat bahawa bank boleh mengeluarkan pinjaman hampir tanpa had (unlimited) maka penyangak pun merancang untuk guna duit bank yang tidak terhad ini untuk meraih keuntungan atas angin. Maka berlakulah dagangan matawang, pinjaman kepada peminjam yang keupayaan membayar tidak terjamin, penjualan pinjaman yang dikeluarkan oleh bank kepada syarikat insurans dan syarikat gadaian (mortgage company) dan lain-lain. Jumlah semua transaksi ini amat besar, bernilai berbilion dolar. Apabila ramai peminjam tidak dapat bayar hutang atau servis hutang, maka mereka yang membeli pinjaman bank dapati mereka akan rugi berbilion dolar.

13. Dan banyak lagilah penyalahgunaan sistem bank Barat yang dilakukan. Demikian Amerika dengan kekayaannya yang besar sekalipun tidak dapat menampung berbilion dolar kerugian oleh bank, syarikat, insuran, syarikat mortgage, hedge funds, merchant dan investment bank dan lain-lain.

14. Sesungguhnya sistem bank dan matawang Barat sudah gagal. Dunia harus kaji untuk menggantinya dengan sistem lain termasuk perbankan Islam dan dagangan dengan matawang khusus seperti Dinar Emas.

15. Tidak seperti duit kertas emas tetap mempunyai nilai dimana-mana dalam dunia. Dinar Emas dicadang hanya untuk menyelesaikan bayaran dagangan antarabangsa.

16. Apakah ada cukup emas dalam dunia untuk dijadikan wang antarabangsa? Sudah tentu tidak.

17. Tetapi kita tidak perlu bayar dengan dinar emas sepenuhnya. Memadai jika kita bayar cuma lebihan antara import-eksport antara dua buah negara.

18. Jika sebuah negara mengeksport 100 juta Dinar kepada sebuah negara lain dan negara itu pula mengeksport kepada negara pertama barangan atau khidmat yang bernilai 110 juta Dinar, maka bayaran yang harus dibuat oleh Bank Negara negara yang pertama hanyalah 10 juta Dinar emas. Jika tidak ada Dinar Emas yang mencukupi maka bayaran boleh dibuat kemudian dengan eksport bernilai 10 juta Dinar.

19. Kita bukan sahaja boleh ada dagangan antara dua buah negara tetapi antara beberapa buah negara. Sebenarnya bank-bank mengguna cara ini untuk menyelesaikan bayaran cheque kepada beberapa bank yang telah terima dan mengeluarkan bayaran berasas kepada cheque lain-lain bank.

20. Sudah tentu akan ada banyak masalah pada permulaan. Tetapi pakar-pakar boleh cari jalan untuk selesaikan atau atasi kelemahan sistem Dinar Emas ini.

21. Bank Negara Malaysia pernah runding dengan sebuah negara lain dan penggunaan Dinar Emas memang boleh dilaksanakan. Tetapi entah kenapa Bank Negara Malaysia tidak dapat menjayakan sistem ini.