Tips Pelaburan Emas | Gold Investment Tips

Gaji ADUN Kelantan dalam dinar, dirham

2010-11-09T13:05:00.002+08:00

09/11/2010 12:38pm

KOTA BHARU 9 Nov. - Separuh daripada gaji Ahli Dewan Undangan Negeri (Adun) Kelantan mungkin dibayar dalam bentuk dinar dan dirham, Dewan Undangan Negeri diberitahu hari ini.

Pengerusi Jawatankuasa Perancangan Ekonomi, Kewangan dan Kebajikan Negeri, Datuk Husam Musa berkata, pihaknya sedia untuk memanjangkan cadangan itu kepada Jabatan Perbendaharaan Negeri untuk diperhalusi.

"Kita cadang bawa perkara ini kepada pertimbangan kerajaan negeri dan juga Jabatan Perbendaharaan Negeri.

"Jika tiada apa halangan, kita mungkin akan melaksanakan separuh bayaran gaji kepada wakil rakyat dalam bentuk dinar dan dirham," katanya menjawab soalan Arifabillah Ibrahim (Pas-Dabong).

Beliau bagaimanapun berkata, cadangan pembayaran separuh bayaran gaji dengan menggunakan dinar dan dirham bergantung kepada pilihan para Adun sendiri.

"Atas pilihan masing-masing, kita boleh bayar menggunakan mata wang itu kepada mereka yang setuju, tetapi bagi yang tidak setuju, kita boleh terus bayar dengan duit kertas," kata Husam. - Bernama

Source:Utusan Malaysia

Manusia dan Emas...

2010-11-02T12:30:00.001+08:00

Manusia dan Emas : Ada 5 jenis manusia yang akan kita jumpa mengenai emas !

1. Membeli emas sebagai perhiasan
2. Membeli emas sebagai simpanan
3. Membeli emas sebagai pelaburan
4. Membeli emas sebagai perniagaan
5. Membeli emas untuk melindungi kekayaan anda

Jadi...kita berada di dalam golongan yang mana ?

Kelantan lancar matawang syariah dinar, dirham

2010-08-13T03:54:00.005+08:00

Kelantan lancar matawang syariah dinar, dirham

Salmah Mat Husain

KOTA BHARU, 12 Ogos: Selepas empat tahun Dinar Kelantan dilancarkan, hari ini di di bawah kepemimpinan ulama sekali lagi dicetus sejarah apabila melancar pula matawang syariah, Dinar dan Dirham Kelantan.

Majlis bersejarah itu disempurnakan Menteri Besar, Tuan Guru Datuk Nik Abdul Aziz Nik Mat di Kelantan Trade Centre (KTC).

Program sempena Ramadan tersebut dianjurkan bersama Perbadanan Menteri Besar Kelantan dan Kelantan Golden Trade Sdn Bhd.

(Gambar: Tuan Guru menyampaikan logo dinar kepada peniaga yang menerima mata wang dinar dirham untuk jual beli.)

Pada majlis perasmian terbabit Menteri Besar melakukan gimik pelancaran dengan menyimpan dinar dan dirham ke dalam sebuah mesin untuk simpanan Tabung Haji.

Matawang Dinar dan Dirham Kelantan boleh digunakan untuk pembayaran gaji, zakat, mas kahwin dan perniagaan.

Pada 2006 kerajaan negeri melancarkan Dinar Kelantan dalam tiga bentuk iaitu satu dinar penuh berukuran 23 mm dengan berat 4.25 gm bernilai RM332.25.

Selain itu separuh dinar bersaiz 20 mm (1.06 gm) bernilai RM176.76) dan suku dinar bersaiz 21 mm (0.5 gm) bernilai RM99.38.

Kini nilaian dinar tersebut sudah meningkat berbanding ketika dilancarkan. Dinar tersebut mendapat sambutan menggalakkan untuk simpanan nilai dan mas kahwin.

Pada majlis pelancaran itu, sejumlah RM100,000 telah dibeli orang ramai.

Kelantan lancar matawang syariah dinar, dirham

Ogos 12, 10 5:53pm

Kongsi 160

Kelantan berhasrat menjadi negeri pertama mempelopori penggunaan emas dan perak yang dikenali mata wang syariah emas dinar dan perak dirham.

Menteri Besar Kelantan Datuk Nik Abdul Aziz Nik Mat berkata adalah menjadi hasratnya untuk melihat Kelantan mempelopori penggunaan mata wang syariah dalam semua urusniaga, termasuk membayar gaji kakitangan kerajaan negeri.

Bagaimanapun, katanya, masih banyak soal teknikal yang perlu diatasi oleh kerajaan negeri sebelum dapat melaksanakannya.

"Kita bercadang mengamalkan semua urusniaga dan membayar gaji kakitangan menggunakan mata wang syariah, iaitu dinar emas dan dirham ini secara menyeluruh tidak lama lagi," katanya pemberita selepas majlis pelancaran dinar emas di Kota Bharu, hari ini.

Dinar emas dan dirham itu dikendalikan oleh Kelantan Gold Trade (KGT) iaitu anak syarikat Perbadanan Menteri Besar Kelantan (PMBK).

Simbolik kepada majlis pelancaran itu, Nik Abdul Aziz menyerahkan dinar emas kepada Ketua Pegawai Eksekutif PMBK, Mustapha Salleh bagi pembayaran gaji kepada kakitangannya untuk bulan ini.

Nik Abdul Aziz, yang juga Pengerusi PMBK berkata, sehingga ini lebih 1,000 peniaga bersetuju menggunakan emas dinar dan dirham sebagai mata wang alternatif untuk berurusniaga di premis mereka.

Selain itu, Tabung Haji dan Bank Islam Malaysia Berhad (BIMB) bersetuju menjadi ejen dan menerima mata wang syariah itu untuk berurusniaga.

Beliau berkata, tidak ada sebab urusniaga mengunakan mata wang syariah ini tidak boleh diamalkan di negeri ini kerana penggunaannya telah diamalkan sebelum kejatuhan Kerajaan Othmani di Turki.

Sehubungan itu, beliau menggalakkan semua pihak menggunakan mata wang syariah itu secara menyeluruh dan bukan untuk negeri ini sahaja.

- Bernama

Source : Harakah, Malaysiakini

Pengurusan Kewangan dan Simpanan Emas (Wang vs Emas)

2010-01-03T22:29:00.000+08:00

(TERBUKA SELURUH WARGA MALAYSIA)

Julung-julung kalinya diadakan secara besar-besaran! Selepas ini akan diikuti dengan siri 2 dan siri 3, insyaallah.....

SEMINAR SEHARI SIRI 1 | PENGURUSAN KEWANGAN DAN PENIAGAAN EMAS (WANG vs EMAS)

Tarikh : 23 Januari 2010 (Sabtu)

Tempat : Dewan Sultan Mizan (DSM), Universiti Malaysia Terengganu (UMT)

Masa : 8.00 pagi hingga 5.00 petang

Bayaran : RM35 untuk 1 orang (Tempat duduk hanya terhad kepada 2000 orang pertama sahaja)

Perasmi Seminar : Naib Canselor UMT

Anjuran : Persatuan Pentadbir dan Ikhtisas UMT (PERENTAS) dengan kerjasama Public Fine Gold International Sdn. Bhd.
Makan/minum : Disediakan oleh pihak penganjur

Penceramah jemputan :

Sesi 1 : Dato' Salleh bin Majid (Mantan Presiden BSKL)
Sesi 2 : En. Syukor bin Hashim (Pemilik blog jutawanemas.com)
Sesi 3 : En. Louis Ng (Pengerusi Eksekutif Public Fine Gold International (PFGI) Sdn. Bhd.)
Sesi 4 : AKPK (Agensi Kaunseling dan Pengurusan Kredit)

Hubungi 012.9897.399. Jangan lepaskan peluang keemasan ini. Pakar-pakar kewangan sedia membantu kita semua. Insyaallah...

Seminar Pelaburan Emas Public Gold datang lagi...

2009-12-18T11:54:00.002+08:00

Seminar Pelaburan Emas Fizikal Public Gold

Atas permintaan ramai Public Gold akan mengadakan seminar di kawasan2 berhampiran anda....

Schedule of Public Gold Seminar:
Day Date Time Town Venue

Sat 19.12.09 8pm-10pm Sungai Petani Park Avenue Hotel
Sun 20.12.09 8pm-10pm Butterworth Pearl View Hotel
Sat 26.12.09 8pm-10pm Kota Bahru Grand Riverview Hotel
Sun 27.12.09 8pm-10pm Kuala Terengganu Ming Star Hotel
Sat 02.01.10 8pm-10pm Johor Bahru J. A. Residence Hotel

Details of Venue:
• Park Avenue Hotel
Jati room,Level 2
E-1 Jalan Indah Dua, Taman Sejati Indah,
08000 Sungai Petani, Kedah.
Tel: 04-431 7777

• Pearl View Hotel
Pearl 6 (Level 5)
Jalan Baru, Seberang Prai,
13700 Butterworth, Penang.
Tel: 04-398 9888

• Grand Riverview Hotel
Dewan Congkak (1stFloor)
Jalan Post Office Lama,
15000 Kota Bharu, Kelantan.
Tel: 09-743 9988

• Ming Star Hotel
Dewan Tanjung 2 – Level 1
217, Wisma Cemerlang, Jalan Sultan Abidin,
20000 Kuala Terengganu, Terengganu.
Tel: 09-622 8666

• J. A. Residence Hotel
(Formerly known as the Compact Hotel Johor Bahru)
Hall J.A. Residence
18, Jalan Wong Ah Fook,
80000 Johor Bahru, Johor.
Tel: 07-221 3000

masuk adalah PERCUMA/FREE

berminat ?? call +6012.9897.399 (khairul) ....tempat adalah terhad

atau email nama penuh, no. tel dan alamat ke nuar96@yahoo.com

Bijak Wang (TV3) : Elok melabur dalam bentuk emas

2009-11-16T05:29:00.003+08:00

MINGGU lepas saya dijemput oleh TV3 menerangkan tentang emas sebagai pelaburan alternatif dalam program Bijak Wang. Minat dengan pelaburan emas memang sedang meningkat. Melalui program tersebut pun ada beberapa penonton yang menelefon bertanyakan beberapa perkara tentang emas.

Saya diminta menerangkan mengapa wajar melabur dengan emas. Emas sebenarnya ialah suatu komoditi yang tidak luntur ditelan zaman. Walau tertanam beribu-ribu tahun sekalipun, emas tetap berkilau.

Tidak ada negara yang mata wangnya tidak tertakluk kepada turun naik nilai emas, termasuklah negara kita semasa krisis 97/98 yang mana mata wang kita dikatakan menjadi bahan spekulator dan pernah jatuh ke paras serendah RM4.50 untuk satu dolar Amerika.

Mata wang dunia tidak lagi disokong oleh emas dan negara seperti Amerika Syarikat didapati boleh mengeluarkan seberapa banyak wang sesuka hati mereka.

Sekian lama mata wang dolar Amerika digunakan untuk segala-galanya daripada rizab negara kepada dagangan dunia.

Boleh dikatakan tidak ada urusan yang tidak lepas daripada dolar Amerika sehinggalah Kesatuan Eropah menghasilkan Euro yang menjadi pencabar kepada kedudukan dolar Amerika.

Apabila berlaku krisis ekonomi pada tahun 2008 yang berpunca di Amerika, dolar terus tertekan kedudukannya selaku mata wang utama. Tambahan pula negara seperti China yang banyak membeli Bil Perbendaharaan Amerika Syarikat merasa bimbang mengenai penurunan nilai dolar dan menyarankan penggunaan mata wang alternatif untuk perdagangan.

Pada waktu sama China juga mengajak negara-negara Asia Barat mengubah haluan menggunakan mata wang lain selain dolar Amerika.

Suasana begini dicampur dengan defisit kerajaan Amerika yang berjumlah trilion dolar menyebabkan ramai orang membeli emas selaku pelindung atau insuran.

Mereka yang mengambil langkah perlindungan ini bukan saja orang individu tetapi juga negara. Selasa minggu lepas, Bank Negara India telah membeli 200 tan emas dari Dana Kewangan Antarabangsa (IMF) dan ia telah melonjakkan harga emas pada hari itu. Dikhabarkan IMF akan menjual sebanyak 200 tan lagi. Kenaikan permintaan ini menyebabkan harga emas terus meningkat.

Minggu lepas sehingga semalam (Jumaat) emas naik dari AS$1091 (RM3,815) seauns kepada AS$1106 (RM3,871).

Bagaimanapun mereka yang ingin membeli emas patut melihat pembeliannya untuk disimpan selama 365 hari. Bukan untuk dijual minggu depan atau bulan depan kerana dengan mengambil sikap demikian segala turun naik harga (volatiliti) dapat diatasi.

Misalnya sejak setahun lalu, harga emas naik sebanyak 52 peratus dari AS$734.90 (RM2,572) seauns kepada AS$1116.80 (RM3,908) seauns.

Kalau emas tidak penting mengapa kerajaan India membeli 200 tan emas minggu lepas?

Kebimbangan akan kejatuhan nilai matawang dolar Amerika dan kemungkinan pemulihan mungkin akan mengambil masa lebih lama daripada dijangkakan kerana pengangguran di AS hampir mencecah 10 peratus dan masalah yang membelenggu sektor perumahan belum dapat diatasi lagi.

Kerajaan China juga menasihatkan rakyatnya menyimpan 5 peratus daripada wang simpanan mereka dalam bentuk emas dan ini bakal menaikkan lagi harga emas.

Kita ingat semasa zaman ramai pelarian meninggalkan negara asal mereka seperti semasa perang Vietnam. Mereka yang lari daripada Kemboja membawa bersama emas dan apabila sampai di sini mereka menggunakan emas tersebut untuk memulakan perniagaan dan hidup baru.

Contohnya di kawasan Kota Tinggi, Johor. Ramai orang Kemboja yang memiliki perniagaan seperti barang kemas dan perniagaan kain. Emas diterima di mana-mana tidak kira di negara mana sekalipun, emas tetap emas.

Seperti yang pernah dinyatakan dahulu, emas boleh dibeli secara buku pas dan secara syiling atau keping (wafer) dari bank-bank perdagangan. Selain itu, barang kemas juga suatu pelaburan dalam "bentuk emas" walaupun ketulenan emas pada barang kemas adalah rendah daripada emas keping iaitu 91.6 peratus bagi barang kemas dan 99.99 bagi syiling dan emas keping.

Bagi Bursa Malaysia pula, mungkin Dana Dagangan Bursa Emas (Gold Exchange Traded Fund) mungkin boleh difikirkan selaku salah suatu tawaran di bursa kita.

Dengan adanya ETF Emas ini dapatlah lebih ramai pelabur melabur dalam emas dengan modal yang lebih rendah.

DATO' SALLEH MAJID ialah bekas Presiden Bursa Saham Kuala Lumpur (kini Bursa Malaysia)

[Source:Utusan Malaysia]

Penurunan harga emas...Perhatian kepada Dealers

2009-10-30T08:41:00.002+08:00

Salam semua...

Dealers tidak perlu bimbang kepada penurunan harga emas, di sini suka saya mengemukakan satu pertanyaan yang dikemukan oleh Kak Yatie (Dealer kawasan Marang dan sekitarnya) seperti berikut :...

Salam,

Maaf ganggu lagi. Ada beberapa pertanyaan ni.

Kalau ada buyer masa harga murah dari masa harga kita beli dulu kita mesti jual, contoh: harga jual sekarang 2300 harga beli 2200
harga kita beli: 2500
saya lock harga 2300 dan order yang lain dengan PB or en khairul.
lepas tu saya kena gi tebus kat BR sekeping dan kena bayar harga sekeping ikut harga BR or kena bayar berapa... Dah tu bagi emas tu ke pembeli (dia ada RM1500 je) dia pajak lak dapat dalam seribu terus bayar ke saya...camtu eh...

Jadi agen ni mesti sentiasa ada emas dalam nilai 30k ke dalam akaun kita.

Katakan kita nak labur banyak untuk sendiri dalam 50k. Lepas 2minggu, or 1 bulan or 3 bulan harga naik tinggi untuk beberapa hari (kira untung la tu..) kalau kita nak jual kesemuanya boleh jual pada en khairul or PG. Kalau ke PG, mr branson atau orang dia kena datang laa...

En khairul selalu tekankan 'buat sale sebelum 1 nov untuk dapat komisen' Kami daftar hari tu dah lambat. Jadi mungkin lepas 1Nov baru ada jualan...

En khairul buat sendiri ke blog tu ...Kalau saya nak buat blog (kurang pandai lagi) macamana nak dapat mssukkan add PG, PDinar, BR, kitko dan lain2 tu...

Sekian dulu. Terima kasih.

...ini di antara persoalan yang bermain di kepala kita sebagai Dealer, beli harga mahal jual harga murah....adakah Dealer memperolehi keuntungan? jawan nya "YA"...Dealer tetap akan memperolehi keuntungan sekiranya kita mengambil langkah seperti berikut....

Jual stok yang ada ditangan sebagaimana harga yang diminta oleh client kita even harganya jauh lebih rendah dari harga kita beli...
Pada masa yang sama kita buat order baru berdasarkan harga yang diminta oleh client kita...
Kita akan menerima emas yang kita order pada harga yang dipesan oleh client kita sebagai stok baru kita..
Pada masa yang sama kita akan menikmati komisyen dan stok baru pada harga yang lebih rendah...
So...disini tidak timbul persoalan rugikah kita?
Proses ini lebih kurang mendahulukan stok yang ada pada kita sebelum kita menerima stok baru yang harganya sama seperti yang diminta oleh client kita...

Dengan itu tidak timbul "saya terpaksa hold dulu, sebab masa saya beli hari tuu harga lebih tinggi"...nasihat saya..apabila apabila permintaan...kita let it go...jangan kita berfikit sebagai pembeli...tetapi kita berfikir sebagai seorang Dealer...

Emas sebagai alternatif pelaburan

2009-10-10T21:05:00.007+08:00

MINGGU ini saya bercerita sedikit tentang emas sebagai pelaburan. Sebenarnya emas sudah menjadi bahan pelaburan sejak harganya mula-mula diselaraskan pada tahun 1717 oleh Sir Isaac Newton.

Pada tahun 1971, emas tidak lagi terikat dengan Dolar Amerika dan diperdagangkan secara bebas. Pada 6 Oktober 2009 baru-baru ini, harga emas di pasaran emas dunia melonjak sebanyak AS$24.60 kepada AS$1,041.80 seauns sehari.

Enam bulan dulu harga terendah emas ialah AS$868.70 dan setahun dulu harganya ialah AS$709.50 seauns. Dalam masa setahun harga emas naik sebanyak 46.8 peratus. Lima tahun dulu harga terendahnya ialah AS$412.10 iaitu kenaikan sebanyak 152.8 peratus.

Secara purata seseorang yang melabur jangka panjang mendapat pulangan purata dalam masa lima tahun sebanyak 30.5 peratus. Rasanya pelaburan di pasaran saham sendiri tidak boleh memperolehi keuntungan sebanyak itu.

Tidak ramai yang sedar akan pulangan yang lumayan daripada pelaburan emas. Cara yang baik untuk melabur emas ialah dengan membeli syiling emas atau emas keping selain barang kemas.

Untuk makluman, suatu auns bersamaan dengan 31.10 gram. Bagaimana pun harga jualan emas di institusi kewangan berbeza-beza kerana harga emas bukannya sesuatu yang terkawal.

Banyak kos perkhidmatan seperti insurans diambil kira oleh institusi-institusi ini. Syiling dan emas keping ini boleh diperolehi di bank-bank seperti Maybank dan OUB.

Ada juga yang menggunakan buku pas seperti Public Bank tetapi pelanggan tidak menyimpan dan melihat emas sebenarnya hanya jumlah dan harga semasa pembelian dimasukkan ke dalam buku pas.

Kini ada pembelian dan penjualan boleh juga dilakukan dengan Koperasi Etika Emas yang mempunyai cawangan di seluruh negara.

Kenaikan harga emas tertakluk lazimnya atas tiga faktor utama. Pertama penyusutan nilai dolar Amerika. Apabila nilai dolar Amerika susut harga emas akan naik, apabila dolar Amerika stabil harga emas akan susut.

Emas bertindak sebagai pelindung nilai menentang dolar Amerika. Pada masa ini dolar Amerika lemah dan menunjukkan tanda-tanda akan menjadi lebih lemah.

Ada juga ura-ura negara Asia Barat dan China akan menggunakan mata wang lain selain dolar Amerika disebabkan kelemahan dolar Amerika ini. Walaupun peralihan kepada mata wang selain dolar Amerika (euro misalnya atau mata wang bentuk baru) bukan sesuatu yang boleh berlaku dengan segera, berita itu telah cukup untuk melonjakkan harga emas dunia.

Faktor kedua ialah harga emas akan naik selari dengan kadar inflasi. Apabila inflasi naik, harga emas akan naik selaras dengan inflasi.

Dalam keadaan negara-negara di dunia termasuk kuasa-kuasa ekonomi besar menyuntik pakej rangsangan ekonomi dengan besar seperti AS$787 bilion pakej rangsangan Amerika Syarikat kesannya ialah peningkatan inflasi.

Amerika hanya mengecap duitnya sesuka hati dan ini akan menyebabkan nilai duitnya akan turun.

Faktor ketiga ialah kenaikan harga petroleum akan menyebabkan harga emas naik selari dengan kenaikan kos penghasilan dan penghantaran barangan, jika harga petroleum jatuh. dijangka emas juga akan turun tetapi pada tahap minimum.

Terdapat beberapa cara untuk melabur dalam bentuk emas dan diterangkan secara lengkap di dalam www.gold.org/value. Orang ramai boleh melabur secara langsung dengan membeli emas bulion (jongkong), syiling emas, dinar emas, atau secara tidak langsung melalui gold futures, options, waran atau sijil pelaburan.

Salah satu cara paling popular dan cepat berkembang dalam sekuriti bursa di seluruh dunia yang dikenali dengan nama Gold ETF (Exchange Traded Fund).

Antara bursa saham dunia yang menawarkan Gold ETF ialah di Australia, Amerika Syarikat, Perancis, Hong Kong, Jepun, Mexico, Afrika Selatan, Switzerland, Singapura, Turki dan United Kingdom. ETF ini dalam bentuk sekuriti dan disokong 100 peratus oleh emas secara fizikal.

Pelaburan secara ini berkembang dengan pesat sehingga 38 peratus daripada pelaburan yang dikenal pasti terdiri daripada sekuriti bentuk ini. Di sini belum ada lagi Gold Emas ini diperdagangkan di bursa kita.

Melihat pergolakan yang berlaku sekarang terutama sekali tergugatnya kedudukan Dolar Amerika ekoran krisis ekonomi yang berpunca di Amerika, daripada mereka dan merebak ke seluruh dunia. Orang ramai sudah tentu mencari sesuatu bentuk pelaburan yang lebih selamat daripada pergolakan harga.

Oleh DATO' SALLEH MAJID, Mantan Presiden Bursa Saham Kuala Lumpur (kini Bursa Malaysia)

Source : Utusan Malaysia Online 10 Oktober 2009 / 21 Syawal 1430

Dinar Emas, Pusat akhirnya akui amalan Kelantan

2009-09-04T07:05:00.002+08:00

Hazayani Zakaria
Sun | Aug 30, 09 | 11:55:33 am MYT

KUALA LUMPUR, 30 Ogos: Exco Kerajaan Negeri Kelantan Dato' Husam Musa menyambut baik saranan kerajaan agar Tabung Haji (TH) dan Pusat Zakat (PZ) meneliti penggunaan dinar emas sebagai asas dalam urusan mereka.

Namun beliau yang merupakan Pengerusi Jawatankuasa Perancangan Ekonomi, Kewangan dan Pembangunan Masyarakat berharap ianya dilaksanakan mengikut seperti yang dikehendaki Islam, bukan hanya mengambil sebahagian sahaja.

Pertama saya ucap tahniah kepada kerajaan persekutuan.Akhirnya boleh berkongsi pandangan dengan kerajaan negeri Kelantan. Tetapi pelaksanan itu mesti seperti yang dikehendaki Islam. Tak boleh ambil separuh-separuh," katanya ketika dihubungi Harakahdaily.

Beliau turut berkongsi kebimbangan mengenai keadaan ekonomi negara yang tidak stabil ketika ini dan memerlukan kepada penggunaan dinar emas sebagai alternatif memandangkan ianya terkenal dengan sifatnya yang stabil terhadap aktiviti spekulasi dan manipulasi.

Idea penggunaan dinar emas telah dicadangkan oleh Husam dari tahun 2001 lagi apabila Mantan Perdana Menteri Tun Dr Mahathir Mohamad menganjurkan idea yang sama pada tahun itu.

Pada tahun 2001, Tun Dr Mahathir mencadangkan penggunaan nilai dinar emas dalam perdagangan antara negara-negara anggota Pertubuhan Persidangan Islam (OIC) bagi menghadapi manipulasi mata wang.

Namun idea berkenaan terhenti setelah Tun Abdullah Ahmad Badawi mengambil alih pentadbiran negara pada tahun 2004.

Kerajaan Kelantan bagaimanapun telah menggunakan Emas Dinar Kelantan sebagai simpanan nilai, walau pun ia tidak dipersetujui pihak-pihak tertentu termasuk Kerajaan Pusat ketika itu.

Manakala pada 24 Julai 2007, Kerajaan Kelantan melalui badan penyelidiknya, Kelantan Reserch Institute and Strategic Studies (Kriss) menganjurkan seminar antarabangsa dinar emas (International Seminar on Gold Dinar) di PWTC.

Tun Dr Mahathir turut berada di majlis itu dan memberikan ucap utama atas kepentingan idea bersama iaitu 'dinar emas' antara beliau dan pemimpin PAS Kelantan.

Husam juga berkata, meskipun baru sekarang kerajaan menyedari kepentingan penggunaan dinar emas sebagai alternatif kepada penggunaan mata wang, namun ujarnya Kelantan bersedia untuk bekerjasama dengan kerajaan pusat bagi meningkatkan penggunaan dinar emas.

"Walaupun dia terlambat tapi saya alu-alukan dan kelantan bersetuju untuk beri kerjasama untuk membolehkan wang dinar ni berkembang lagi," jarnya.

Menteri di Jabatan Perdana Menteri Datuk Jamil Khir Baharom berkata, sistem kewangan dunia berasaskan wang kertas dan berlandaskan riba telah membawa kepada banyak kerosakan seperti kemiskinan, kerosakan alam sekitar, monopoli pengeluaran dan pengedarannya serta masalah lain seperti pengangguran, jenayah, maksiat dan kejatuhan moral.

Teks ucapan beliau dibaca oleh Setiausaha Politik Menteri di Jabatan Perdana Menteri Shahabudin Yahya pada majlis perasmian Sminar antarabnagsa Penjanaan Ekonomi Melalui Transaksi Wang Dinar 2009 di Institut Latihan Islam Malaysia (ILIM) di Bangi Khamis lalu.

Ini sekaligus menunjukkan apa yang teah dipraktikkan oleh Kerajaan Kelantan ternyata membawa kebaikan dan turut diakui oleh kerajaan pusat.

Source : Harakah.net

10 Rules of Multiplying Personal Wealth

2009-08-20T12:20:00.000+08:00

Rule 1: Be systematic, unemotional and diversified

This is the very first rule we touch on right from the beginning. There's a popular bumper sticker that says, "I'm spending my grandkids' inheritance."

That whole idea just frustrates me. In some ways, our society's personality is such that if we can spend our money before we die, we've lived a great life. But you can't do that.

Rule 2: Never spend principal

That's the second rule. Inflation has gone above 10 per cent in the US economy five times, and I'd bet you it will happen again.

Rule 3: Never borrow money to buy a depreciating asset

Almost everybody does this at some point. But as soon as possible, and definitely by retirement, you have to get back to a cash basis.

How many people know what a $30,000 car bought on credit costs them at age 25? In retirement dollars, at age 65 and assuming a hypothetical 10 per cent return, that financed car could cost as much as $11,314 a month in potential income. Forever!

So, do you or your children understand what an "investment" in a car really costs you? Yes, I know we all buy cars. But try to imagine what would happen if I got every 25-year-old to forgo just one car purchase and invest that same amount of money in their long-term retirement goals. What a huge difference that could make to their choices at retirement!

Rule 4: Never save money in a spending account

Keep separate bank accounts for saving and spending. You have to save in savings accounts. If you truly want those savings to grow, use an account that helps you leave the money at work, rather than a "slush fund" that's easy to dip into.

People tell me they are saving $545 a month in an account. Yet when I ask them how much they have accumulated after seven years of doing this, their answer is often $1,123 because they spend out of that same account.

It is not a save-to-save account -- it's a save-to-spend account! If you know you're not naturally a disciplined saver, make it harder to get at the money. You'll be doing yourself a favor in the long run.

Rule 5: Use half, save half

Every time you pay off a debt, get a pay raise, get a bonus, or have any excess cash, have fun with half the money, and put the other half toward your long-term goals.

This is one of the best rules, especially for younger people. By following this rule consistently, in ten years, most people are amazed at how much they can save.

Whether you save or not has nothing to do with how much money you make. Either you save or you don't. It's a habit. Make a habit of investing half of any windfall, big or small, right off the top.

Rule 6: Always use matching money

For example, your employer's 401(k) matching program (in India, the employer's matching Providend Fund Contribution, for example).

Do whatever you must to take advantage of matched contributions in a retirement plan. You can't afford not to take the free money.

Hypothetically speaking, if you invest $100 take-home pay in a taxable investment (25 per cent tax on growth) at an assumed 10 per cent return, you would potentially have $135,586 in 30 years (sales charges and fees not included).

If you put the same $100 into your 401(k) that is 100 per cent matched, now you have $150 a month saved because of the tax savings.

Meanwhile your boss adds $150 because of the match -- and it grows tax-deferred, too! Using the same hypothetical return scenario, we have $683,797 to live on -- five times as much wealth with the same work.

Sometimes being smart with our money is a phenomenal advantage. This is a classic example of where investor behavior, not investment performance, makes a huge difference in your long-term wealth potential. You can hate your boss, or plan to quit, but you must take advantage of the matched money.

Rule 7: Do not spend more than you make

This should seem painfully obvious, but people often have no idea how much they're really spending and what relationship that has to how much they make.

In making a budget people often cannot account for 30 per cent of the money they earn and where it goes.

If you are just a little more vigilant, you can significantly enhance your long-term ability to reach your goals.

A budget doesn't happen by accident; it takes practice and is an ever-changing tool in our financial planning. Practice makes perfect. Although "perfect" is never the ideal word for a budget, it does have more meaning and usefulness the longer we practice its use.

Rule 8: Never leave undivided real property to joint beneficiaries

Lots of things are more important than money. Family is probably at the top of the list. If you want a vicious family feud on your hands, breaking this rule would be a great place to start.

Imagine a farm that gets left to four sons: One has farmed it for 20 years; one is an environmentalist and wants it to be a park; one is broke and needs money; and one could not care less about it. Who will get wealthy from this plan? The attorneys. And the kids and grand-kids will probably hate each other forever.

Remember that 'equal', 'equitable', and 'fair' are three different words with three totally different meanings.

Rule 9: Never name co-trustees or co-executors of your estate

This one goes right along with the undivided property rule above. Next to poor planning, litigation can be the biggest financial drain on an estate.

Minimize the number of trusted decision-makers, and you'll reduce your chances for litigation. What's more, the entire process will be easier and more efficient with one decision-maker.

Rule 10: Above all --

Be happy with what you have, and it will lead to both unbelievable financial success and personal (not mere financial) wealth!

Zakat for Gold...

2009-08-16T20:16:00.005+08:00

The second important duty of servanthood is zakat. God's Messenger, who depicts prayer as Islam's pillar or support, describes zakat as its bridge (Canan, ibid., 6:346), for zakat not only brings the social strata closer to each other and fills in the gaps between them and their members, but also stops such gaps from forming.
Zakat means purity and growing. Since it purifies wealth and people's attachment to it, and causes both it and Muslims to grow in purity and sincerity, the Qur'an calls it zakat (or the prescribed alms):

(O Messenger,) take alms (prescribed or voluntary) out of their wealth so that you may cleanse them thereby and cause them to grow in purity and sincerity, and pray for them. Indeed your prayer is a source of comfort for them. God is All-Hearing, All-Knowing. (9:103)

Taking into account its very nature, zakat constitutes one of Islam's five pillars. It is associated with prayer (salat) in 82 Qur'anic verses. God, the Exalted One, prescribed it in His Book (the Qur'an), His Messenger corroborated it by his sunna, and the Muslim community by consensus upheld it. Ibn 'Abbas reported that when the Prophet sent Mu'adh ibn Jabal to Yemen (as its governor), he said to him:

You are going to a people who are People of the Book. Invite them to accept the shahada: that there is no deity but God and I am His Messenger. If they accept and affirm this, tell them that God, the Glorious One, has enjoined five prayers upon them during the day and night. If they accept that, tell them also that He has enjoined sadaqa (meaning zakat) upon their assets, which will be taken from the rich of the (Muslim) community and distributed to the poor. If they accept that, refrain from laying hands upon the best of their goods and fear the cry of the oppressed, for there is no barrier between God and it. (Bukhari, "Zakat," 1:41; Muslim, "Iman," 31.)

Many verses exhort Muslims to pay zakat and forbid hoarding wealth. For example:

The believers, both men and women, they are guardians, confidants and helpers of one another. They enjoin and promote what is right and good and forbid and try to prevent the evil. They establish the prayer in conformity with its conditions, and pay the zakat (prescribed purifying alms) fully. They always obey God and His Messenger. Those are the distinguished ones whom God shall treat with mercy. Assuredly, God is the All-Honored with irresistible might, All-Wise. (9:71)

and:

Those who hoard gold and silver and do not spend it in God's way (to exalt His cause and help the poor and needy: O Messenger,) give them the glad tidings of a painful chastisement. (9:34)

Who Must Pay
Zakat must be paid by every free Muslim, man or woman, who has a nisab (the required amount of wealth). As for the insane and children who have a nisab, if their wealth is under disposal or in circulation, their guardians pay it on their behalf. If a person dies before paying it, it must be taken from the estate before paying off any debts, if there are any, and the heirs share the inheritance.

Conditions for Nisab. Nisab is conditioned by the following:

Nisab is the amount of wealth remaining after meeting all expenses for such vital necessities as food, clothes, housing, and a mount. Thus, one does not have to pay zakat on what he or she needs to make a living, such as tools or machines related to carpentry, farming, tailoring, or working as a doctor. All debts are subtracted from one's wealth. If one has enough secured credit to pay off the debt, it is added to one's wealth, and if the resultant wealth reaches the nisab, one must pay zakat.
For many items subject to zakat (e.g., money, gold, silver, and cattle), a full year of the Islamic calendar should pass, starting from the day of the nisab's possession. If the wealth possessed decreases during the year but is still possessed one year later, zakat must be paid. What matters is the availability of nisab at the beginning and end of the year. However, this condition does not apply to plantations and fruits, for their zakat should be paid, or at least calculated, on the harvest day and include what has been consumed before the harvest.
In short, there are two types of zakat: one grows by itself (e.g., crops and fruits), and the other is used for growing and production (e.g., money, merchandise, and cattle). In the former case, zakat should be paid at harvest time; in the later, at the end of the year.
The wealth subject to zakat should be actively or potentially increasing, growing, or productive. This condition will be explained below.
One must have private, doubtless ownership or possession and the right of disposal of the wealth liable to zakat.

Intention. Since paying zakat is an act of worship, its validity depends upon one's sincere intention to pay it for God's sake. If one pays it without making the intention, one can still intend while the wealth expended as zakat has not yet been consumed.

Paying Zakat at Its Due Time. Zakat must be paid immediately at its due time. Deferring it is prohibited, unless there is a valid reason not to do so.

Holdings Subject to Zakat and Their Nisab. Islam enjoined zakat on currencies and similar things, such as shares, bonds and checks, gold and silver, crops, fruit, livestock, merchandise, minerals, and treasure.

The Standard of Richness. Islam does not criticize earning; rather, it encourages working and earning one's livelihood. But it does not approve of earning for luxury and a luxurious life, and urges Muslims to work, earn, and live for the other life as their goal. It encourages mutual helping in society and spending in God's way and for the needy, and has not established a fixed standard of living. It regards having a house, a mount, two suits and other articles of clothing, and one month worth of livelihood (some say that one can keep a year of livelihood at the most) as the necessary commodities or wealth upon which one does not have to pay zakat. Bediüzzaman Said Nursi expresses a standard that can be valid for all times, as follows: While most Muslims are below the average standards of living, a Muslim cannot live a luxurious, comfortable life.

The Sunna has established approximately 90 grams of gold or about 600 grams of silver or 40 sheep or 30 heads of cattle or 5 camels as the standard. If, according to the place or the general standard of living of the people in a particular place, one has banknotes, merchandise, or other kinds of increasing income or capital whose value is equal to any of the standard values given, he or she must pay zakat. However, in establishing the nisab, the minimum amount or value, which favors the poor, is considered.

The Nisab and Zakat for Different Items of Wealth

The Nisab and Zakat for Gold, Silver, and Other Jewelry. The nisab for gold is 20 dinars (approximately 90 grams) and for silver is 200 dirhams (approximately 600 grams), both being owned for one year. The due on them is one-fortieth of their value. Any additional amount is to be calculated in this manner. Gold and silver are combined. Thus, if one has gold and silver whose value is equal to 200 dirhams of silver, zakat must be paid. Likewise, gold, silver, banknotes and the like, and commercial merchandise are also combined. Things made of gold and silver are treated like gold and silver. In other words, if the weight of gold and silver they contain amounts to the nisab, their zakat is paid.

Although most of the scholars opine that no zakat has to be paid on diamonds, pearls, sapphires, rubies, corals, or other precious stones that women wear as ornaments and unless they are used for trade, it is piety and a measure to be saved from the obligation of zakat, which is both God's and people's right on rich people, to make some payment due to them. One should not buy such precious stones in order to avoid paying zakat.

...more on Zakat for Different Items of Wealth

Is Gold Money ?

2009-08-16T19:16:00.003+08:00

Is Gold Money?

As someone who has been interested in gold for the last forty years, I have always been interested in the definitions which can be applied to gold. Is gold money? It often has been, but it is not at present. I suspect it may become money again. Is gold a commodity? I think the answer to that question is “yes”. Gold used in chemical reactions, or in jewellery, is plainly a commodity which can sometimes be replaced by another commodity.

However, the question I find most interesting is whether gold is a real asset. One of the problems of investment is that there are two variables, reality and liquidity. Land or property are relatively illiquid, but are also real, in that they have a use which does not depend on their value in exchange. Gold is highly liquid, indeed it is more liquid than paper money. In extreme circumstances, paper money can lose all its value, when gold is still acceptable as payment. In 1940, when the French Army was defeated, many French people took to their automobiles to escape the advancing Germans. They found that petrol stations would not accept paper francs, but would sell their petrol in exchange for gold coins.

Gold also remains an acceptable currency in periods of high inflation, when paper money can lose all its value.

What does “reality” mean, when applied to an investment? Obviously we talk about “real estate” to describe the legal possession of property. I think that means property with a permanent character and at least a potential use. In the same way, the traditional theorists of the gold standard would say that gold was a real currency, because it has permanence and a potential non-monetary use.

I accept that reality in an asset is a relative factor. In an ideal world, we would all like to hold our financial needs in a currency with a high degree of permanence, strong alternative uses and high liquidity. We have to make do with currencies which fall short of perfect “reality”, and fall short of perfect liquidity as well. We make do with imperfect currencies because we have no choice.

Gold makes one think about these issues, but it makes one even more uneasy about electronic money. In book publishing, I am well aware of the library demand for archival books which can reasonably be expected to last for centuries, like the printed works of earlier centuries. We need also to have permanent money, which can be relied upon to survive, even though its value may decline over time. The historic value of gold has been astonishingly stable over centuries.

In an extreme example, one could be worried about the issue of money and about its preservation. Mr. Madoff has shown that fraud can reach the unbelievable level of $50 billion. Might there not be still larger frauds, so large as to achieve what the wartime German operation attempted, a complete takeover of a targeted currency?

Cybercrime is already operating on a huge scale. Suppose that Al Qaeda, instead of attacking the twin towers, had attacked the electronic systems which record all the monetary holdings of New York. No lives might have been lost, but an electronic pulse might have erased one of the central counting houses of world finance. The world might have been ruined.

Is there not some element of this cybercatastrophe in the present world crisis? Reality may be a variable concept, with nothing 100 per cent real and hardly anything zero per cent. When I was born, in 1928, gold was money, and gold was over 90 per cent real. In 1970, when I was in my forties, money was paper, and even the convertibility into gold of the Bretton Woods Agreement was breaking up. Now money is a largely unidentifiable electronic pulse, itself vulnerable to attack by electronic means. Virtual money has very low reality, much lower than paper. Surely this is a system which could be blown away because there is nothing in it to gain confidence. Even a return to paper money would raise the level of reality attached to world currencies. There is a problem of raising the reality level of all currencies – a problem which nineteenth century economists solved by convertibility to gold.

Source : Is Gold Money? by William Rees-Mogg

Fakta Emas

2009-08-16T19:09:00.000+08:00

Fakta

Ahli kimia tidak pernah berjaya menghasilkan emas tiruan kerana sifat logam berkenaan sukar ditiru.

Sifat emas tulen adalah lembut paling boleh ditempa dan dibentuk.

Emas asli boleh disahkan tulen melalui dua cara mudah iaitu apabila digigit, ia meninggalkan kesan lekuk gigi, kedua apabila dibakar atau dicairkan, ia tidak berubah warna.

Public Gold Authorised Agents

2009-08-13T23:33:00.021+08:00

Produk jualan kami ialah emas keluaran Public Gold seperti di bawah :

1) Emas Keping / Bar Public Gold – berat 20g, purity 24k, 999.9

2) Emas Keping / Bar Public Gold – berat 50g, purity 24k, 999.9

3) Emas Keping / Bar Public Gold – berat 100g, purity 24k, 999.9

Our Dinar

Gold Dinar Coins

Dinar	1
Ingot
Diameter	18mm
Metal	Au
Weight	4.25g
Thickness	0.72mm
Purity	916
Dinar	5
Ingot
Diameter	32mm
Metal	Au
Weight	21.25g
Thickness	1.5mm
Purity	916
Dinar	10
Ingot
Diameter	38mm
Metal	Au
Weight	42.5g
Thickness	2.18mm
Purity	916

Harga jualan – mengikut harga semasa di laman http://publicgold.com.my dan http://publicdinar.com/ atau

LIVE GOLD PRICE charts: Live Gold Price

Public Gold Authorised Dealers –

EN KHAIRUL ANNUAR ISMAIL (+6012.989.7399 )

EN. NIZAM AZWADI ALI (+6017.952.6772)

EN. SUHAIMI BIN MUSTAPA (+6014.864.0863) Tawau, Sabah

EN. ASMADI BIN ALI (+6019.948.4001)

TUAN HJ. UBAIDILLAH BIN HARUN (+6017.935.6113)

EN. ADIE IRMAN ABDULLAH (+6019.982.9025)

EN. ABDUL GHANI AYOB (+6017.905.8031)

EN. MOHD IMERAN ABDULLAH (+6019.915.4677)

EN. MOHD NOR MAIZATUL ADZHA MUHAMMAD (+6019.958.5454) Batu Buruk, Besut dan sekitarnya

EN. MOHD RIDZUAN MAMAT (+6019.986.5054)

EN. MOHD RIDHUWAN MOHD ZAMLI (+6017.932.3176) Ampang, Kuala Lumpur

EN. MOHD YUNUS ZAKARIA (+6019.930.0130)

EN. AHMAD NAZIR HARON (+6019.934.8673)

EN. MOHD NOR AZLAN AYOB (+6017.953.6500)

EN. SHARIF AKBAR AHMAD AKIL (+6019.911.0313)

EN. MOHD NOR AFFENDY MOHD ALI (+6013.920.1974)

EN. MOHD MAZHAIRIL ADRI ABDUL HAMID (+6012.958.8678)

EN. WAN MOHD WAZIR WAN ABDUL WAHAB (+6019.936.2935)

EN. YUSMANIZAM BIN YUSOF (+6013.257.8630) Besut, Jerteh, Pasir Puteh

EN. MUHD NOR KHUSYAIRY BIN MUHAMMAD KHARIRI (+6013.227.1092) Besut, Jerteh, Pasir Puteh

Lokasi – KUALA TERENGGANU + TERENGGANU + MALAYSIA

Delivery charges:

Item	Transportation Cost for West Malaysia (RM)	Transportation Cost for East Malaysia (RM)
Gold Bar 20 grams	10	20
Gold Bar 50 grams	20	40
Gold Bar 100 grams	30	60
Kilobar 1000 grams	500	1000
Gold Coin 50 grams	20	40

(Inclusive all costs, Ex Penang, Malaysia)

Gold Investment Tips | Tips Pelaburan Emas

2009-08-11T21:37:00.005+08:00

For centuries, gold has remained a precious and treasured commodity - one that has held men and women in its splendor and glitter. But have you considered investing in gold or looked at gold investment as part of your investment plan? Gold as an investment has been resorted by the wealthy families in Europe and Asia for centuries. Precious metals are a good investment opportunity as they are portable and compact. Read up our tips on gold investment.

Investing in Gold

Gold prices have seen an upward trend in the past 3 years. Though the earlier decades saw a relatively poor performance by the precious metal, gold prices are likely to rise steadily over the longer term. This investment opportunity is showing an upswing again. With uncertainty in the stock market and decline in the US dollar, investors are taking a fresh look at gold as an investment option. Gold works as a perfect hedge against investment in other assets.

In fact, when other investments take a beating, gold investment tends to stabilize. As a long term investor, holding on to gold investment is a good tip. When you are planning to invest in gold, it would be wise to consult an investment consultant. He can help you match your investment goals with the right type of gold purchase. An investment firm can aid in making the right choice of gold investment products so as to hedge your portfolio.

Gold bullion coins work well for those who want to capitalize on price movements of the precious metal. It is prudent to buy gold when its prices are low. But sometimes getting the right price may not be that easy. The same holds good for selling too. A buyer should not look at merely the price of the gold investment but its percentage over the gold price or the premium.

Gold investment options

Bullion coins are an excellent investment option. You can go in for the American Eagle, Canadian Maple Leaf, Britannia or the Australian Nugget. The American Eagle Gold coins were minted first in 1986 and hold pride of place as the world's leading gold coin investment option. These gold coins are struck in 22 karat gold with the total weight as stamped on the reverse of the coin. Silver and copper are also used so as to protect the gold finish. Special dyes are used to strike these gold coins to ensure that minute details are visible.

Such American Gold Eagles can be bought at dealers of precious metals and coins. You can buy them at the prevailing price of gold and a premium for distribution costs. Gold coins are universally recognized and can be easily sold. The South African Krugerrand was the first gold bullion coin that was marketed as an investment opportunity. The one-ounce Kruggerand gold bullion coin is extremely popular.

Gold bars are another investment option. Smaller bars cost more as the premium is low on larger bars. But resale of big bars is not easy. Gold coins are available at lower premiums as compared to gold bars.
Gold certificates are titles for a stipulated amount of gold. You can take physical delivery of the gold or trade on it through the certificates. Another scheme is to go in for a gold accumulation plan - one that allows you to buy gold for a fixed sum each month. This allows you to benefit from acquiring it at a market average price.
Gold accounts can be started with major banks. Typically those speculating in gold usually resort to this sort of account with commodity brokers or private bankers.
Gold mining shares are another method of investing in gold, though not directly. Increase in gold bullion prices will lead to an increase in gold mining share prices - On this premise, many investors take up gold mining shares.

Preserve gold bars and bullion coins in the original mint packaging. Since it is soft, mint-fresh gold is easily subject to scratches from rough surfaces. Careful handling and preserving can go a long way in getting the best price during a resale.

Source : Gold Investment Tips

Why GOLD ?

2009-08-09T19:06:00.003+08:00

A DIFFERENT CLASS OF ASSET:

Most investment portfolios are invested primarily in traditional financial assets such as stocks and bonds. The reason for holding diverse investments is to protect the portfolio against fluctuations in the value of any single asset class.

In building an investment portfolio, investors should avoid unnecessary risk through wise diversification. Diversification is the allocation of investable funds to a variety of investments. By diversifying, investors can reduce the risk that they would otherwise bear. Also, the risk reduction benefits of diversification can be achieved without reducing the overall return on your portfolio.
The Power of Diversification

The key to diversification is finding investments that are not closely correlated with one another. Other things being equal, the less the correlation between two investments, the better suited they are for effective diversification. This gives rise to a problem for most investors because most stocks are relatively closely correlated with one another and most bonds are relatively closely correlated with each other. In addition, there is also a close correlation between stocks and bonds. Investors need to find investments that are not closely correlated to stocks and bonds and include them as additional elements in their portfolios.
Diversification Reduces Risk

Many investors combine tangible assets with their stock and bond portfolios to reduce risk. This is due to the fact that tangible assets have historically had a very low, even negative, correlation with stocks and bonds. This means that they are useful to hold in conjunction with paper investments in order to reduce total risk. Not only is the risk reduced due to negative correlation between tangible and paper assets, but tangible assets have produced exceptional investment returns on their own. Every sign today points to increasing importance for diversification; that also means increasing importance for tangible assets.
I. GOLD – STORE OF VALUE

One major reason investors look to gold as an asset class is because it will always maintain an intrinsic value. Gold will not get lost in an accounting scandal or a market collapse. Economist Stephen Harmston of Bannock Consulting had this to say in a 1998 report for the World Gold Council,

“…although the gold price may fluctuate, over the very long run gold has consistently reverted to its historic purchasing power parity against other commodities and intermediate products. Historically, gold has proved to be an effective preserver of wealth. It has also proved to be a safe haven in times of economic and social instability. In a period of a long bull run in equities, with low inflation and relative stability in foreign exchange markets, it is tempting for investors to expect continual high rates of return on investments. It sometimes takes a period of falling stock prices and market turmoil to focus the mind on the fact that it may be important to invest part of one’s portfolio in an asset that will, at least, hold its value.”

Today is the scenario that the World Gold Council report was referring to in 1998.
II. GOLD - PORTFOLIO DIVERSIFIER

The most effective way to diversify your portfolio and protect the wealth created in the stock and financial markets is to invest in assets that are negatively correlated with those markets. Gold is the ideal diversifier for a stock portfolio, simply because it is among the most negatively correlated assets to stocks.

Diversification: The Key to Gold Investing

One of the most important aspects of investing is the control of risk in your portfolio, relative to the expected return. Tangible assets are an extremely useful tool for investors in that regard.

Portfolios that contain gold are generally more robust and better able to cope with market uncertainties than those that don’t.

Adding gold to a portfolio introduces an entirely different class of asset. Gold is unusual because it is both a commodity and a monetary asset. It is an ‘effective diversifier’ because its performance tends to move independently of other investments and key economic indicators.

Recent independent studies have shown that traditional diversifiers (such as bonds and alternative assets) often fail during times of market stress or instability. Even a small allocation of gold has been proven to significantly improve the consistency of portfolio performance during both stable and unstable financial periods.

There are six primary reasons why investors own gold:

1. As a hedge against inflation.
2. As a hedge against a declining dollar.
3. As a safe haven in times of geopolitical and financial market instability.
4. As a commodity, based on gold’s supply and demand fundamentals.
5. As a store of value.
6. As a portfolio diversifier.

III. HEDGE AGAINST INFLATION

Gold is renowned as a hedge against inflation. The most consistent factor determining the price of gold has been inflation - as inflation goes up, the price of gold goes up along with it. Since the end of World War II, the five years in which U.S. inflation was at its highest were 1946, 1974, 1975, 1979, and 1980. During those five years, the average real return on stocks, as measured by the Dow, was -12.33%; the average real return on gold was 130.4%.

Today, a number of factors are conspiring to create the perfect inflationary storm: extremely stimulative monetary policy, a major tax cut, a long term decline in the dollar, a spike in oil prices, a mammoth trade deficit, and America’s status as the world’s biggest debtor nation. Almost across the board, commodity prices up despite the short-term absence of a weakening dollar which is often viewed as the principal reason for stronger commodity prices.

Oil, Inflation and Gold
Although the prices of gold and oil don’t exactly mirror one another, there is no question that oil prices do affect gold prices. If oil prices rise or fall sharply, investors can expect a corresponding reaction in gold prices, often with a lag. There have been two major upward moves in the price of gold since it was freed to float in 1968. The first occurred between 1972 and 1974 when oil prices climbed 325%, from US$2.44 to US$10.36. During the same period, gold prices rose 268% (on a quarterly average basis) from US$47.45 to US$174.76. The second major price move occurred between 1978 and 1980, when oil prices increased 105%, from US$12.70 to US$26.00. Over the same period, quarterly average gold prices rose 254% from US$178.33 to US$631.40.
IV. GOLD - HEDGE AGAINST A DECLINING DOLLAR

Gold is bought and sold in U.S. dollars, so any decline in the value of the dollar causes the price of gold to rise. The U.S. dollar is the world’s reserve currency - the primary medium for international transactions, the principal store of value for savings, the currency in which the worth of commodities and equities are calculated, and the currency primarily held as reserves by the world’s central banks. However, now that it has been stripped of its gold backing international banks and Countries are reviewing there currency reserve options
V. GOLD AS A SAFE HAVEN

Despite the fact that the United States is the world’s only remaining superpower, there are a myriad of problems festering around the world, any one of which could erupt with little warning. Gold has often been called the “crisis commodity” because it tends to outperform other investments during periods of world tensions. The very same factors that cause other investments to suffer cause the price of gold to rise. A bad economy can sink poorly run banks. Bad banks can sink an entire economy. And, perhaps most importantly to the rest of the world, the integration of the global economy has made it possible for banking and economic failures to destabilise the world economyAs banking crises occur, the public begins to distrust paper assets and turns to gold for a safe haven.

When all else fails, governments rescue themselves with the printing press, making their currency worth less and gold worth more. Gold has always risen the most when confidence in government is at its lowest.
VI. GOLD - SUPPLY AND DEMAND

First, demand is out pacing supply across the board. Gold production is declining; Copper production is declining; the production of lead and other metals is declining. It is very difficult to open new mines when the whole process takes about seven years on average, making it hard to address the supply issue quickly. Gold output in South Africa, the world’s largest gold producer, fell to its lowest level since 1931 this past year as the rand’s gains prompted Harmony Gold Mining Co. and rivals to close mines despite 16 year highs in the gold price.

Growing Demand - China, India and Gold India is the largest gold-consuming nation in the world. China, on the other hand, has the fastest-growing economy in modern history. Both India and China are in the process of liberalizing laws relating to the import and sale of gold in ways that will facilitate gold purchases on a mammoth scale.

China is teaching the West something new. Its economy, growing at 9 percent per year, is expected to become the second largest in the world by 2020, behind only the United States. Last year Americans spent $162 billion more on Chinese goods than the Chinese spent on U.S. products. That gap has been growing by more than 25 percent per year. China’s consumer class, meanwhile, is spending on everything from bagels to Bentleys – and will soon outnumber the entire U.S. population. China’s explosive growth “could be the dominant event of this century,” says Stapleton Roy, former U.S. Ambassador to China. “Never before has a country risen as fast as China is doing.”

Investing in Physical Gold

2009-08-07T11:59:00.004+08:00

Breaking Two Myths of Investing in Physical Gold

By Luke Burgess
Wednesday, May 14th, 2008

There is a herculean mountain of inaccurate information floating around about investing in physical gold bullion.

Among these erroneous concerns is the belief that storing physical gold is a difficult and that physical gold bullion is illiquid, making it an unwise investment.

Since it is the main objective of Gold World to provide fair-minded and balanced gold investment advice, I would like to take some time today to address both of these myths and hope to shed new light on these subjects.

Investing in Physical Gold Myth #1:

Storing Physical Gold is a Problem

I am unsure how this belief originated. My guess is that when considering investing in physical gold people initially think that they'll have to store and keep safe large bricks of gold, like those kept (supposedly) at Fort Knox and seen in Hollywood movies.

And, sure, if you had 50 or 100 of these large 12.5 kilogram gold bricks (like the ones seen below), you may want to build a small fortress to store your bullion investment.

On the other hand, the street value of 100 of these large cast gold bricks right now is about US$40 million. And I'm assuming that if you have $40 million to invest in physical gold, you probably won't have a problem shelling out the cash to build a safe storage stead.

Most speculators in the world will invest less than $1 million in gold coins and bars. And storing up to this amount of physical should not pose much of a problem.

The truth is that gold is very heavy. In fact, it's over 70% heavier than lead. The specific gravity for gold is 19.32, which means that gold is over 19 times heavier than an equal volume of water. Meanwhile, the specific gravity for lead is 11.34.

What this means is that one ounce of gold is probably much smaller than most people think. The actual size of a one ounce gold bar minted by Credit Suisse is approximated in the image below.

Finding a secure place to store up to 1,000 of these small one ounce gold bars should not be difficult. My suggestion is to simply buy a good safe and keep it in a place no one would ever think to look...like in the floor of your basement, or inside one of the walls of a closet, or even buried in your backyard.

I would recommend against keeping your bullion in a bank. Most banks are open only a few hours a day, limiting your access to a safe deposit box. Moreover, for Americans, gold kept in a bank is susceptible to confiscation from the US government, which actually happened in 1933.

Storing physical gold is not difficult, unless you're storing a ridiculous amount of it. Buy a good safe, and keep it out of sight.

Investing in Physical Gold Myth #2:

Physical gold is illiquid

Gold is not the most liquid of investments. But is much more liquid than most people think.

Gold's liquidity has increased significantly over the past few decades. During the gold bull market of the 1970s, buying and selling physical bullion was several times more limited than it is today.

The two most popular ways to buy and sell physical gold are through 1) brokers, and 2) private individuals.

There are many more gold brokers today than there were just a few years ago. Physical gold coins and bars can be purchased from and sold to many online brokers, including Kitco and AmeriGold. These brokers have made buying and selling physical gold through them as easy and attractive as possible by offering near instant payments and a guaranteed sales prices.

Most brokers will sell gold slightly above spot prices (unless you buy a lot) and buy gold slightly below spot prices. But when buying and selling gold to private individual, prices are almost always over spot prices.

Gold sold on online auctions, such as eBay, generally sell for over spot. I saw several one ounce gold bars on eBay that sell this morning for $900 a piece. Meanwhile, the official cash spot price is about $882 an ounce.

While gold is certainly not the most liquid of investments, investors many more buying and selling options than they did just a few years ago.

Let me leave you with one tip that will increase the liquidity of your physical gold investments...

Buy Very Small Gold Coin and Bars

Gold coins come as small as 1/10 of an ounce, and you can get gold bars as small as 1 gram. These small gold coins and bars offer higher liquidity than their larger cousins.

A 12.5 kilogram gold bar is a lot of money for many people and comes under the category of big ticket items. Such bullion bars would really be sold to dealers who have a high cash flow. And it is much easier for private individuals to afford the smaller gold bars and coins, hence increasing their marketability.

Gold coins seem to sell the best. The Canadian Maple Leaf, American Eagle, and Sovereigns are always popular with buyers and consequently very easy to sell for cash.

Until next time,

Luke Burgess

Source : www.GoldWorld.com

Cara Menyimpan Emas

2009-08-07T11:32:00.009+08:00

Penyimpanan Emas

Banyak cara kita boleh menyimpan emas antaranya simpan dapat wang segera. Wang segera tersebut akan kita perolehi apabila kita menyimpan emas tersebut dimana2 bank yang menyediakan perkhidmatan Ar-Rahnu seperti Bank Rakyat (BR) atau Agro Bank (Agro) . Di BR kita akan diberi 65% pinjaman dari harga emas tersebut, manakala di Agro kita akan diberi pilihan samada 50%, 60% atau 70%. Upah simpan bagi Agro adalah 50 sen atas RM100 nilai marhum bagi 50% pinjaman, 60 sen atas RM100 bagi 60% pinjaman dan 70 sen atas RM100 bagi 70% pinjaman dan BR adalah 75 sen atas RM100.00 daripada nilaian emas tersebut.

Satu cara lagi adalah kita menyimpan emas kita di HSBC Bank yang menawarkan Safe Deposit Box (SDB) dengan kadar yang paling rendah RM120.00/setahun iaitu kira-kira 33 sen sehari dan Deposit Kunci sebanyak RM250.00 dan akan dikembalikan semula atau di PBB juga menawarkan safe deposit box berukuran 3×5x24 inci pada harga RM100.00/setahun atau dalam 27 sen sehari dan kita juga perlu membayar deposit kunci sebanyak RM200. Deposit ini juga akan dikembalikan sekiranya kita dah tak perlu kepada SDB tu.

RHB Bank juga menyediakan SDB seperti berikut:

Safe Deposit Box Rental

Effective Date: 6 April 2009

Box Size	TIER 1 Branches	TIER 2 Branches
Below 600 cu.in.	RM140	RM120
601 to 1,000 cu.in.	RM180	RM150
1,001 to 2,000 cu.in.	RM220	RM180
Above 2,000 cu.in.	RM260	RM240

Service	Fees/ Charges
Initial Key Deposit upon opening of account	RM150
Stamp Duty on agreement	RM10
Loss/ Replacement of keys
a) Lost 1 key – Replacement	Actual cost subject to minimum RM100
b) Lost 2 keys – Force Opening	Actual cost subject to minimum RM300
Force Opening Charges	Actual cost incurred

Please click here to find out which branches are under TIER 1 & TIER 2.

Dengan menyimpan emas di bank adalah lebih selamat berbanding kita menyimpan dalam peti besi di rumah kita sendiri, tahu sajalah keadaan hari ini...silap-silap membahayakan nyawa kita dan keluarga sendiri.

Public Gold Products

2009-08-07T10:29:00.015+08:00

Produk jualan kami ialah emas keluaran Public Gold seperti di bawah :

1) Emas Keping / Bar Public Gold – berat 20g, purity 24k, 999.9

2) Emas Keping / Bar Public Gold – berat 50g, purity 24k, 999.9

3) Emas Keping / Bar Public Gold – berat 100g, purity 24k, 999.9

Our Dinar

Gold Dinar Coins

Dinar	1
Ingot
Diameter	18mm
Metal	Au
Weight	4.25g
Thickness	0.72mm
Purity	916
Dinar	5
Ingot
Diameter	32mm
Metal	Au
Weight	21.25g
Thickness	1.5mm
Purity	916
Dinar	10
Ingot
Diameter	38mm
Metal	Au
Weight	42.5g
Thickness	2.18mm
Purity	916

Harga jualan – mengikut harga semasa di laman http://publicgold.com.my dan http://publicdinar.com/ atau

LIVE GOLD PRICE charts: Live Gold Price

Public Gold Master Dealer –

EN. KHAIRUL ANNUAR ISMAIL (012 – 9897 399)

Lokasi – KUALA TERENGGANU + TERENGGANU + MALAYSIA

Delivery charges:

Item (grams)	Transportation Cost for West Malaysia (RM)	Transportation Cost for East Malaysia (RM)
Gold Bar 20	10	20
Gold Bar 50	20	40
Gold Bar 100	30	60
Kilobar 1000	500	1000
Gold Coin 50	20	40

Why is gold so valuable?...

2009-08-04T16:32:00.006+08:00

Why is gold so valuable?
By Jerry Burnell

QUESTION: Why is gold as valuable as it is?
Why isn't sodium or tin as valuable?

ANSWER: Gold is one of three precious metals, the others being Platinum and to a lesser extent silver. The main reason for their value is that they are rare. You can put all the gold ever found in a cube less than 150 feet. Not very big by today's standards. In a good gold mine, you have to move and refine ten tons of dirt or rock for each ounce of gold recovered. There are not many good gold mines in the world either.

The second property of a precious metal is that it has to be impervious to the elements. In other words it cannot rust, corrode, or be degradable by other elements. Gold is so inert that it is sometimes found in nature in the natural metal state in the form of nuggets. This allowed people in ancient times to take the natural nuggets and pound them together to form metal objects. Gold does not oxidize or corrode, so it’s shape will remain a thousand years from now if you do not ware it away.

Other properties making it valuable is malleability. You can literally beat on it and it tends not to crack. In fact gold can be hammered out so thin that light will pass through it. It has been hammered out thinner than tinfoil and applied to objects as "Gold Foil". Gold foil stays a highly reflective beautiful yellow color, lasting forever. There never has been a paint that will last and protect like gold foil. Gold was used to cover idols and temples raising its status even further.

Historically, only the affluent, churches, and governments could afford to own gold. It’s value was based on work. People worked to earn gold (or silver), virtually trading part of their lives for gold and its purchasing power. It quickly became impractical to carry large piles of gold, so governments took most of the gold and gave people promissory notes (money) representing a given weight in gold. Before the early 30’s you could take your money to the bank and get the same amount of dollars in gold coins.

Let’s talk about that beautiful yellow color. Gold just looks good and glorifies human skin colors. A fine craftsperson can form gold into small sculptures that can be worn, admired, and enjoyed. It can be fashioned into small sculptures that hold precious stones - jewelry. Because of its permanence, gold can be repaired and admired for many lifetimes. Thus you have precious jewelry, as opposed to costume jewelry, which is intended to wear with just one "costume" and then be discarded.

Today there are other new uses for gold. Gold transfers electricity with less resistance than any other metal on this earth. Extremely high-end electronics and computer components use gold wiring instead of copper for their circuitry. Gold does not corrode and it is used to plate or make fine electrical contacts. It is very reflective and is used in equipment that needs to not oxidize like laser chambers. Very thin layers cut down on light without changing its properties. Astronauts, pilots and high-end sunglasses are coated with gold to cut down on the intensity of the sun's rays. Extremely fine fabrics have gold threads because gold does not dull with time.

The value of gold will never go down. At a certain level of value, mines will shut down operations because production costs are higher than they can sell it for. Today, there are more uses for gold being found daily. The question is, “will we have enough gold to fulfill the demand in the future?” There has never been enough gold in the past to fulfill everyone’s desire. And there will not be enough gold to fill future demands. Gold is beautiful and it has very valuable rare properties which makes it so valuable.

Source : The Q&A Times

Emas fizikal Public Gold atau emas fizikal Pamp Suisse atau GIA Public Bank atau GSPA Maybank atau Barang kemas?... dan Cara Simpan

2009-08-04T15:40:00.025+08:00

Cuba kita selidik betul2, diantara kelima2 jenis emas yang tersebut diatas yang mana seharusnya kita pilih untuk kita memulakan pelaburan emas ni. Pada saya...emas fizikal Public Gold adalah yang terbaik setakat ini berbanding dengan kempat2 bentuk emas yang lain tu...kenapa? Ini adalah kerana emas keluaran PG adalah dikelaskan yang terbaik iaitu dikira 24K oleh BR, manakala emas fizikal Pamp Suisse hanya dikira sebagai 22.8k, padahal mutu ketulenan kedua2 emas wafer tu adalah sama iaitu 999.9.

Manakala GIA dan GSPA adalah emas yang kita bayar tapi hanya akan icetak di dalam buku simpanan emas. Disini kita tidak mendapat manfa'at kedua iaitu wang yang kita bayar tuu hanya untuk itu sahaja, manakala apabila kita mempunyai emas fizikal kita akan dapat pula menjana wang segera.

Cara Penyimpanan Emas

Banyak cara kita boleh menyimpan emas antaranya simpan dapat wang segera. Wang segera tersebut akan kita perolehi apabila kita menyimpan emas tersebut dimana2 bank yang menyediakan perkhidmatan Ar-Rahnu seperti Bank Rakyat (BR) atau Agro Bank (Agro) . Di BR kita akan diberi 65% pinjaman dari harga emas tersebut, manakala di Agro kita akan diberi pilihan samada 50%, 60% atau 70%. Upah simpan bagi Agro adalah 50 sen atas RM100 nilai marhum bagi 50% pinjaman, 60 sen atas RM100 bagi 60% pinjaman dan 70 sen atas RM100 bagi 70% pinjaman dan BR adalah 75 sen atas RM100.00 daripada nilaian emas tersebut.

Satu cara lagi adalah kita menyimpan emas kita di HSBC Bank yang menawarkan Safe Deposit Box (SDB) dengan kadar yang paling rendah RM120.00/setahun iaitu kira-kira 33 sen sehari dan Deposit Kunci sebanyak RM250.00 dan akan dikembalikan semula atau di PBB juga menawarkan safe deposit box berukuran 3×5x24 inci pada harga RM100.00/setahun atau dalam 27 sen sehari dan kita juga perlu membayar deposit kunci sebanyak RM200. Deposit ini juga akan dikembalikan sekiranya kita dah tak perlu kepada SDB tu. Dengan menyimpan emas di bank adalah lebih selamat berbanding kita menyimpan dalam peti besi di rumah kita sendiri, tahu sajalah keadaan hari ini...silap-silap membahayakan nyawa kita dan keluarga sendiri.

Barang kemas harganya agak tinggi kerana termasuk upah2 tukang emas dan sebagainya. Sekiranya kita benar2 ingin membuat pelaburan emas ni, maka belilah emas fizikal keluaran Public Gold kerana ketulenannya adalah terjamin dan diakui oleh BR.

Sekiranya kita ingin membeli emas fizikal, bagi saya tidak perlu untuk menunggu harga rendah kerana yang penting kita memiliki fizikal emas tersebut.

Zakat Emas

Zakat emas jangan lupa keluarkan apabila cukup haul dan nisabnya, zakat ni umpama baja, akan menyuburkan lagi harta yang kita ada.

Gold for pension funds

2009-08-03T08:50:00.002+08:00

With global pension fund assets estimated at $18.6 trillion by the end of 2005, our retirement savings represent one of the world's largest and most significant categories of institutional investment (International Financial Services, London, IFSL, January 2007).

Most pension funds invest only in equities and bonds, with small allocations to property and cash. However, in recent years concerns have grown over the risks inherent in the converging performance of these asset classes, leading to increased interest in assets that could be used to manage this exposure as well as other risks.

The investment community's acceptance of the potential for using alternative assets, including commodities, to spread risk and diversify the portfolios under their stewardship, has also resulted in a renewed interest in the investment characteristics of gold. A growing number of institutions are now looking beyond the precious metal's tactical benefits and considering the implications and possible advantages of a more enduring, strategic allocation.

Gold for US Pension Plans and Gold for UK Pension Funds are designed to provide pensions professionals in the United States and the United Kingdom with a wide range of information about the gold market and gold investment, using data and analysis specific to each country.

Source : World Council

First-ever US gold coin to go on show

2009-08-03T08:40:00.000+08:00

The news feeds on this site are independently provided by Adfero Limited © and do not represent the views or opinions of the World Gold Council.

Friday, 31st July 2009 (148 views)

The first gold coin ever struck in the United States is to go on display at the American Numismatic Association World's Fair of Money in Los Angeles next week.

Hand-crafted by George Washington's neighbour Ephraim Brasher, the 1767 Brasher Doubloon is insured for $7 million (£4.1 million), the Ventura County Star reports.

A piece of California Gold Rush history will also be on display in the shape of an "ultra-rare" Double Eagle gold coin from the Smithsonian National Numismatic Collection.

This $20 coin was the first to be minted following the start of the gold rush in 1849.

Smithsonian coin curator Dick Doty said: "It shows how the gold rush was so big that a new denomination was needed."

The 1933 version of the Double Eagle will also be on show at the World's Fair of Money. It is even rarer than the 1849 coin because all but two of the pieces were melted down on the order of President Franklin D Roosevelt.

However, some were smuggled to safety and in 2002, a 1933 Double Eagle fetched a record $7.5 million.

The World's Fair of Money runs from August 5th to August 9th and is expected to attract between 10,000 and 12,000 visitors.

Source : World Gold Council

Investing in Gold

2009-08-03T08:34:00.004+08:00

For thousands of years, gold has been valued as a global currency, a commodity, an investment and simply an object of beauty. As financial markets developed rapidly during the 1980s and 1990s, gold receded into the background and many investors lost touch with this asset of last resort. Recent years have seen a striking increase in investor interest in gold. While a sustained price rally, underpinned by the fact that demand consistently outstrips supply, is clearly a positive factor in this resurgence, there are many reasons why people and institutions around the world are once again investing in gold. This website provides you with the background to these reasons and describes the defining characteristics of the gold market from an investor's point of view.

Market Fundamentals

Gold's extensive appeal and functionality, including its characteristics as an investment vehicle, are underpinned by the supply and demand dynamics of the gold market.

For more on the fundamental structure of the gold market »

World Gold Council Investment Research

The World Gold Council is an international not-for-profit organisation. Head-quartered in London, we have regional offices in India, China, Japan, the Middle East, Turkey and North America. Our investment research programme provides investors around the world with key information about gold.This includes the publication of a wide range of research papers - by acknowledged academics and our own in-house experts alike - looking at gold's investment characteristics, as well as a wealth of information on the structure of the market, demand and supply flows and regular updates on gold market statistics.

The Changing Economic and Financial Landscape and Gold
An audio-visual presentation discussing current economic conditions and the implications for gold.

Source : World Gold Council

Being a good investment option, gold to get costlier TNN 2 August 2009, 11:13pm IST

2009-08-03T08:20:00.001+08:00

KANPUR: With investment options such as real estate and construction turning bleak owing to economic slowdown, investment in gold has proved to

be a safe haven for the investors. This has resulted in rise in gold prices which is now holding back consumers, claim the gold dealers.

According to the jeweller community, those who purchased gold in bulk last year when the prices were low are in profit. "For example, those who had bought 100 gram of gold on August 17 last year when the prices of gold were Rs 11,300 for Rs 1,13,500 against the present price of gold at Rs 15,100 would have made a profit of Rs 36,600 as on the current date," said Pushpendra Jaiswal, convener of Akhil Bhartiya Swarnkar Parishad.

It being looked at as an investment option with no loss of security money, small investors are going for the yellow metal, said Pushpendra and added: "The ones who had invested in gold last year have earned a good profit and thus, are investing more in the hope that the prices may rise further."

With the financial meltdown world over and crash of stock market, gold and gold jewellery are definitely high on investors' list. In addition, buying gold biscuits at this time is a safe investment for the investors.

Agreed Mahesh Paraswani, another dealer in gold and gold jewellery and he said, "Investment in gold has definitely become a good option for small investors as gold buying is also prompted by fears that prices may rise further. It has been a trend that against the shares and investments in other items, rise in gold prices by 15-20 per cent has been observed every year."

However, demand is good for solid gold and not for gold jewellery. Everybody is demanding solid gold, mostly from jewellers, said Mahesh.

The gold analysts have even predicted a further rise in gold prices buoyed by strong investment demand. "It is being expected that by year 2010 the gold prices are likely to surge high by another 15-20 percent," said another dealer.

Glittering facts

Price of Gold in past 7 years on August 10

Year Gold price

(Rs per 10 grams)

2003 5430

2004 6065

2005 6225

2006 9870

2007 8980

2008 11900

At Present 15000

# In 1978, the price of Gold was Rs 660 per 10 gram

# Gold price was at an all time high in February, 2009 at Rs 16,400 per 10 gram.

Source : Times of India

Premium Currency Investment Gold by Standard Chartered Malaysia

2009-08-02T23:02:00.003+08:00

You want the best returns
we present a golden opportunity

Premium Currency Investment Gold is a dual investment involving both USD and Gold that gives you the opportunity for potentially higher returns.

Standard Chartered is the first bank in Malaysia to bring you this dual investment. With Premium Currency Investment Gold, you have the potential to reap the benefits of one of these two valuable currencies, Gold or USD.

Enjoy higher yield of up to 25% p.a.
Short tenures from one week to one month
Possibility of gains from USD and Gold price movements

With Premium Currency Investment Gold, you can enjoy some of the potential benefits associated with investments in Gold namely:

Gold typically maintains its value during times of economic and market uncertainty
Gold can be used as a hedging tool against USD movement and inflationary pressures
This investment also helps diversify your investment portfolio

All you have to do:

Choose a base currency¹ (USD or Gold [XAU])
Choose your alternate currency (USD or Gold [XAU])
Agree on a Target Conversion Rate (TCR) to be applied between the two currencies
Decide on your placement tenure

On maturity, you will get both principal and yield in either the base currency or alternate currency, depending on the USD/Gold rate as compared to your chosen TCR.

¹ The base currency for the 1st investment of Premium Currency Investment Gold must always be USD. For subsequent investments, the base currency can be either USD or Gold (only if you are holding Gold after a Premium Currency Investment Gold investment).

This investment may be suitable for you when:

Four simple steps to rewarding gains

Please note that for Premium Currency Investment Gold, you may get your investment returns paid in either USD or XAU.

Disclaimer: The transaction details above are only indicative of an investment made in USD referencing to Gold and is purely for illustration purpose only. The correlation between the exchange rate (USD/XAU) and the Target Conversion Rate (TCR), which determines the redemption amount and currency of the payout at maturity, may differ from the indicative transaction details above depending on the investment amount, tenure and TCR


What are your available options if you are repaid in Gold?
1.	You can hold on to Gold and wait for it to appreciate in value before selling it off to enjoy more returns.
2.	Alternatively, you can choose to enter into another Premium Currency Investment Gold, with Gold as your base currency to potentially earn another round of higher interest yield.

Next Step… To find out how you can benefit from this, call us at 03-2721 5360.

WARNING:
THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET/REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION.

Source : Standard Chartered Malaysia

Gold shines on weak dollar, inflation fears...

2009-08-02T21:53:00.004+08:00

PETALING JAYA: The weak US dollar and fears about inflation returning lured investors back into safe-haven gold, driving up the price of the yellow metal close to record highs.

The price of gold hovered around US$982 an ounce in late Asian trading – its highest since February this year. Gold had earlier risen as high as US$990, but retreated as the greenback rebounded from this year’s low.

At these levels, gold is within striking distance of its all-time high of US$1,003.20 set in March 2008.

Analysts said hard assets like gold were traditionally seen as a hedge against rising prices because they generally retain their values.

Gold prices have risen 10% in the past month while the US dollar has dropped 7% in the same period.

“There is no reward for holding cash unless you are prepared to wait for a very, very long time to get your money back,’’ AIMS Asset Management managing director David Crichton Watt said.

The Kuala Lumpur-based company manages the Phoenix Gold Fund, which invests in gold bullion and mining stocks worldwide.

Prices of gold and other commodities, from crude oil to cotton, have surged in the past two months on optimism that the world economy will recover quickly and demand for goods will rise.

The optimism was fuelled by the unprecedented move by governments around the world to slash interest rates and unveil trillions of dollars worth of spending packages.

The US, British and Japanese governments went a step further by adopting “quantitative easing” policy, meaning printing money.

Flush with freshly minted money and cheap funds, investors went on a buying spree in the past two months as they scooped up battered stocks and commodities from metals to grains.

Two weeks ago, Citigroup said in a report that Asia’s stock market rally was so intense that it took only 10 weeks for prices to recover from their lows compared with 24 months previously.

The renewed appetite for risk also spilled over into the commodities market, with crude oil leading the charge. The price of crude oil doubled from this year’s low of below US$34 a barrel in mid-March to US$68 yesterday.

During the same period, the US dollar index tumbled 18% against a basket of six major currencies.

Gold typically moves inversely to the currency index, which on Tuesday fell to the lowest level since Dec 18.

Source : thestar

Untuk Membeli/Menjual emas PG atau lain-lain emas

2009-08-02T21:35:00.016+08:00

Telefon saya @ +6012.989.7399 untuk 'lock' harga emas berdasarkan harga di web Public Gold dan dicampur dengan kos penghantaran seperti berikut :

Delivery charges:

Item (grams)	Transportation Cost for West Malaysia (RM)	Transportation Cost for East Malaysia (RM)
Gold Bar 20	10	20
Gold Bar 50	20	40
Gold Bar 100	30	60
Kilobar 1000	500	1000
Gold Coin 50	20	40

Masukkan (Bank-in) sekurang-kurang (RM...50%) dari jumlah pesanan, ini bagi memastikan pesanan adalah genuine dan komited.

Bank Account Details:
Bank:	Bank Rakyat
Name:	Khairul Annuar Bin Ismail
Account No.:	220111441287

Bank:	CIMB Bank
Name:	Khairul Annuar Bin Ismail
Account No.:	13020088458525

Bank:	Public Bank Berhad
Name:	Khairul Annuar Bin Ismail
Account No.:	4520807123

Bank:	Maybank
Name:	Khairul Annuar Bin Ismail
Account No.:	113014376887

Bank:	Hong Leong Bank
Name:	Khairul Annuar Bin Ismail
Account No.:	5851066968

Kemaskini Harga Emas Ar-Rahnu/Az-Zahab Bank Rakyat

2009-08-02T20:30:00.066+08:00

Laman ini hanya untuk memaparkan kemaskini harga emas semasa 999.99 berdasarkan harga di Bank Rakyat.

Harga Emas (MYR/ gram )

Tarikh \| Hari	Ketulenan	Nilaian
27/10/2009 \| Selasa	999.9	135.47
27/10/2009	950	128.70
27/10/2009	916	124.18

26/10/2009 \| Isnin	999.9	136.61
26/10/2009	950	129.78
26/10/2009	916	125.23

23/10/2009 \| Juma'at	999.9	13xxx
23/10/2009	950	12xxx
23/10/2009	916	12xxx

22/10/2009 \| Khamis	999.9	135.42
22/10/2009	950	128.65
22/10/2009	916	124.14

21/10/2009 \| Rabu	999.9	136.04
21/10/2009	950	129.24
21/10/2009	916	124.70

20/10/2009 \| Selasa	999.9	135.47
20/10/2009	950	128.70
20/10/2009	916	124.18

19/10/2009 \| Isnin	999.9	135.17
19/10/2009	950	128.41
19/10/2009	916	123.91

15/10/2009 \| Khamis	999.9	136.80
15/10/2009	950	129.96
15/10/2009	916	125.40

14/10/2009 \| Rabu	999.9	135.81
14/10/2009	950	129.02
14/10/2009	916	124.49

13/10/2009 \| Selasa	999.9	135.84
13/10/2009	950	129.05
13/10/2009	916	124.52

12/10/2009 \| Isnin	999.9	134.66
12/10/2009	950	127.93
12/10/2009	916	123.44

09/10/2009 \| Juma'at	999.9	135.58
09/10/2009	950	128.80
09/10/2009	916	124.28

08/10/2009 \| Khamis	999.9	134.95
08/10/2009	950	128.20
08/10/2009	916	123.70

07/10/2009 \| Rabu	999.9	133.21
07/10/2009	950	126.55
07/10/2009	916	122.11

06/10/2009 \| Selasa	999.9	131.79
06/10/2009	950	125.20
06/10/2009	916	120.81

05/10/2009 \| Isnin	999.9	131.80
05/10/2009	950	125.21
05/10/2009	916	120.82

02/10/2009 \| Juma'at	999.9	131.82
02/10/2009	950	125.23
02/10/2009	916	120.84

01/10/2009 \| Khamis	999.9	131.15
01/10/2009	950	124.xx
01/10/2009	916	120.xx

30/09/2009 \| Rabu	999.9	131.23
30/09/2009	950	124.67
30/09/2009	916	120.29

29/09/2009 \| Selasa	999.9	130.68
29/09/2009	950	124.15
29/09/2009	916	119.79

28/09/2009 \| Isnin	999.9	131.54
28/09/2009	950	124.96
28/09/2009	916	120.58

25/09/2009 \| Juma'at	999.9	133.30
25/09/2009	950	126.64
25/09/2009	916	122.19

24/09/2009 \| Khamis	999.9	133.67
24/09/2009	950	126.99
24/09/2009	916	122.53

23/09/2009 \| Rabu	999.9	133.47
23/09/2009	950	126.80
23/09/2009	916	122.35

22/09/2009 \| Selasa	999.9	133.85
22/09/2009	950	127.16
22/09/2009	916	122.70

21/09/2009 \| Isnin	999.9	133.xx	BR
21/09/2009	950	126.xx	Closed
21/09/2009	916	122.xx	for
			Hari
18/09/2009 \| Juma'at	999.9	133.45	Raya
18/09/2009	950	126.78	Eidil
18/09/2009	916	122.33	Fitri

17/09/2009 \| Khamis	999.9	133.45
17/09/2009	950	126.78
17/09/2009	916	122.33

16/09/2009 \| Rabu	999.9	132.61
16/09/2009	950	125.98
16/09/2009	916	121.56

15/09/2009 \| Selasa	999.9	133.90
15/09/2009	950	127.21
15/09/2009	916	122.74

14/09/2009 \| Isnin	999.9	132.08
14/09/2009	950	125.48
14/09/2009	916	121.07

11/09/2009 \| Juma'at	999.9	131.32
11/09/2009	950	124.75
11/09/2009	916	120.38

10/09/2009 \| Khamis	999.9	132.42
10/09/2009	950	125.80
10/09/2009	916	121.39

09/09/2009 \| Rabu	999.9	132.67
09/09/2009	950	126.04
09/09/2009	916	121.61

08/09/2009 \| Selasa	999.9	132.28
08/09/2009	950	125.67
08/09/2009	916	121.26

07/09/2009 \| Isnin	999.9	13xxx	BR
07/09/2009	950	12xxx	Closed
07/09/2009	916	11xxx

04/09/2009 \| Juma'at	999.9	130.79
04/09/2009	950	124.25
04/09/2009	916	119.89

03/09/2009 \| Khamis	999.9	128.34
03/09/2009	950	121.92
03/09/2009	916	117.65

02/09/2009 \| Rabu	999.9	127.40
02/09/2009	950	121.03
02/09/2009	916	116.78

01/09/2009 \| Selasa	999.9	127.00
01/09/2009	950	120.65
01/09/2009	916	116.42

31/08/2009 \| Isnin	999.9	12xxx	BR
31/08/2009	950	12xxx	Closed
31/08/2009	916	11xxx

28/08/2009 \| Juma'at	999.9	126.78
28/08/2009	950	120.44
28/08/2009	916	116.22

27/08/2009 \| Khamis	999.9	126.58
27/08/2009	950	120.25
27/08/2009	916	116.03

26/08/2009 \| Rabu	999.9	126.08
26/08/2009	950	119.74
26/08/2009	916	115.54

25/08/2009 \| Selasa	999.9	126.85
25/08/2009	950	120.51
25/08/2009	916	116.28

24/08/2009 \| Isnin	999.9	125.58
24/08/2009	950	119.30
24/08/2009	916	115.12

21/08/2009 \| Juma'at	999.9	126.10
21/08/2009	950	119.80
21/08/2009	916	115.59

20/08/2009 \| Khamis	999.9	126.26
20/08/2009	950	119.95
20/08/2009	916	115.74

18/08/2009 \| Selasa	999.9	127.08
18/08/2009	950	120.73
18/08/2009	916	116.49

17/08/2009 \| Isnin	999.9	127.45
17/08/2009	950	121.08
17/08/2009	916	116.83

14/08/2009 \| Juma'at	999.9	126.45
14/08/2009	950	120.13
14/08/2009	916	115.91

13/08/2009 \| Khamis	999.9	126.27
13/08/2009	950	119.96
13/08/2009	916	115.75

12/08/2009 \| Rabu	999.9	125.99
12/08/2009	950	119.69
12/08/2009	916	115.49

11/08/2009 \| Selasa	999.9	126.80
11/08/2009	950	120.46
11/08/2009	916	116.23

10/08/2009 \| Isnin	999.9	127.73
10/08/2009	950	121.34
10/08/2009	916	117.09

06/08/2009 \| Khamis	999.9	127.54
06/08/2009	950	121.16
06/08/2009	916	116.91

05/08/2009 \| Rabu	999.9	126.58
05/08/2009	950	120.25
05/08/2009	916	116.03

04/08/2009 \| Selasa	999.9	126.88
04/08/2009	950	120.54
04/08/2009	916	116.31

03/08/2009 \| Isnin	999.9	124.95
03/08/2009	950	118.70
03/08/2009	916	114.54

31/07/2009 \| Juma’at	999.9	124.82
31/07/2009	950	118.58
31/07/2009	916	114.42

30/07/2009 \| Khamis	999.9	125.30
30/07/2009	950	119.04
30/07/2009	916	114.86

29/07/2009 \| Rabu	999.9	127.33
29/07/2009	950	120.96
29/07/2009	916	116.72

28/07/2009 \| Selasa	999.9	127.25
28/07/2009	950	120.89
28/07/2009	916	116.65

27/07/2009 \| Isnin	999.9	127.48
27/07/2009	950	121.11
27/07/2009	916	116.86

24/07/2009 \| Juma’at	999.9	127.94
24/07/2009	950	121.54
24/07/2009	916	117.28

23/07/2009 \| Khamis	999.9	127.75
23/07/2009	950	121.36
23/07/2009	916	117.10

22/07/2009 \| Rabu	999.9	127.68
22/07/2009	950	121.30
22/07/2009	916	117.04

21/07/2009 \| Selasa	999.9	126.85	123.04
21/07/2009	950	120.51	116.89
21/07/2009	916	116.28	112.79

20/07/2009 \| Isnin	999.9	126.75	122.95
20/07/2009	950	120.41	116.80
20/07/2009	916	116.19	112.70

17/07/2009 \| Juma’at	999.9	126.63	122.83
17/07/2009	950	120.30	116.69
17/07/2009	916	116.08	112.60

16/07/2009 \| Khamis	999.9	125.48	121.72
16/07/2009	950	119.21	115.63
16/07/2009	916	115.02	111.57

15/07/2009 \| Rabu	999.9	124.84	121.09
15/07/2009	950	118.60	115.04
15/07/2009	916	114.44	111.01

14/07/2009 \| Selasa	999.9	123.96	120.24
14/07/2009	950	117.76	114.23
14/07/2009	916	113.63	110.22

13/07/2009 \| Isnin	999.9	123.36	119.66
13/07/2009	950	117.19	113.67
13/07/2009	916	113.08	109.69

10/07/2009 \| Juma’at	999.9	123.62	119.91
10/07/2009	950	117.44	113.92
10/07/2009	916	113.32	109.92

09/07/2009 \| Khamis	999.9	124.67	120.93
09/07/2009	950	118.44	114.89
09/07/2009	916	114.28	110.85

08/07/2009 \| Rabu	999.9	123.89	120.17
08/07/2009	950	117.70	114.17
08/07/2009	916	113.57	110.16

07/07/2009 \| Selasa	999.9	124.31	120.58
07/07/2009	950	118.09	114.55
07/07/2009	916	113.95	110.53

06/07/2009 \| Isnin	999.9	124.78	121.04
06/07/2009	950	118.54	114.98
06/07/2009	916	114.38	110.95

03/07/2009 \| Juma’at	999.9	125.24	121.48
03/07/2009	950	118.98	115.41
03/07/2009	916	114.80	111.36

02/07/2009 \| Khamis	999.9	124.08	120.36
02/07/2009	950	117.88	114.34
02/07/2009	916	113.74	110.33

01/07/2009 \| Rabu	999.9	125.81	122.04
01/07/2009	950	119.52	115.93
01/07/2009	916	115.33	111.87

30/06/2009 \| Selasa	999.9	125.87	122.09
30/06/2009	950	119.58	115.99
30/06/2009	916	115.38	111.92

29/06/2009 \| Isnin	999.9	126.32	122.53
29/06/2009	950	120.00	116.40
29/06/2009	916	115.79	112.32

Harga sebelumnya

Juma’at 26/06/2009 – RM125.21/gram

Khamis 25/06/2009 – RM123.76/gram

Isnin 10/11/2008 – RM98.39/gram

Khamis 09/10/2008 – RM117.13/gram

Rabu 08/10/2008 – RM113.99/gram

Selasa 07/10/2008 – RM109.82/gram

Isnin 06/10/2008 – RM110.15/gram

Rabu 24/09/2008 – RM116.82/gram

Selasa 23/09/2008 – RM114.48/gram

Isnin 22/09/2008 – RM112.79/gram

Juma’at 19/09/2008 – RM116.96/gram

Khamis 18/09/2008 – RM102.17/gram

Selasa 16/09/2008 – RM102.65/gram

Isnin 15/09/2008 – RM98.20/gram

Jumaat 12/09/2008 – RM99.56/gram

Khamis 11/09/2008 – RM101.21/gram

Rabu 10/09/2008 – RM104.93/gram

Selasa 09/09/2008 – RM105.16/gram

Isnin 08/09/2008 – RM104.16/gram

Jumaat 05/09/2008 – RM104.39/gram

Khamis 04/09/2008 RM104.87/gram

Rabu 03/09/2008 RM105.60/gram

Selasa 02/09/2008 RM107.40/gram

Isnin 1/9/2008 – Market closed

Jumaat 29/8/08 RM 106.42/gram

Khamis 28/8/08 RM 105.77/gram

Rabu 27/8/2008 RM 105.61/gram

Selasa 26/8/2008 RM105.27/gram

Isnin 25/8/2008 RM 105.75 /gram

Juma’at 22/8/2008 RM103.11/gram

Khamis 21/8/2008 RM102.87/gram

Rabu 20/8/2008 RM99.84/gram

Selasa 19/8/2008 RM100.75/gram

Isnin 18/8/2008 RM100.68/gram

Juma’at 15/8/2008 RM104.61/gram

Khamis 14/8/2008 RM101.80/gram

Rabu 13/8/2008 RM108.04/gram

Selasa 12/8/2008 RM108.17/gram

Isnin 11/8/2008 RM108.33/gram

Jumaat 8/8/2008 RM109.48/gram

Khamis 7/8/2008 RM109.22/gram

Rabu 6/8/2008 RM110.70/gram

Selasa 5/8/2008 RM113.04/gram

Isnin 4/8/2008 RM113.01/gram

Jumaat 1/8/2008 RM112.72/gram

Khamis 31/7/2008 RM113.58/gram

Rabu 30/7/2008 RM115.26/gram

Selasa 29/7/2008 RM115.22/gram

Isnin 28/7/2008 RM114.69/gram

Jumaat 25/7/2008 RM113.26/gram

Khamis 24/7/2008 RM116.41/gram

Rabu 23/7/2008 RM118.77/gram

Selasa 22/7/2008 RM117.58/gram

Isnin 21/7/2008 RM117.40

Jumaat 18/7/2008 RM 117.87/gram

Khamis 17/7/2008 RM118.56

Rabu 16/7/2008 RM118.31

Selasa 15/7/2008 RM118.46

Isnin 14/7/2008 RM115.92

Jumaat 11/7/2008 RM114.18

Khamis 10/7/2008 RM112.97

Rabu 9/7/2008 RM114.57

Selasa 8/7/2008 RM114.63

Isnin 7/7/2008 RM115.59

Ar-Rahnu and Az-Zahab Bank Rakyat

2009-08-02T08:54:00.009+08:00

PAWN BROKING-i AR-RAHNU

This scheme provides a source of immediate financing to assist individuals in overcoming cash-flow needs.

Concept

Al-Wadiah and Qardhul Hassan

Eligibility

Malaysian citizens aged 18 years and above and permanent residents.
Not a bankrupt

Quantum of Financing

Financing up to 65% of the pawned gold value (Marhun value)
Each pawned item not exceeding RM10,000.00 per day and a cumulative amount of RM50,000.00.

Repayment Period

Loan tenure : 6 months only
Extension period : 6 months (mutiple extensions) subject to settlement of safe keeping fee for the past 6 months

Pawn Products

Gold jewellery 22K - 24K

Fees

A minimum fee is charged for the safekeeping of the valuables.

Type of Scheme	Amount of Loan	Safekeeping fee for every RM100.00 of gold value per month
Ar-Rahnu	RM1,000.00 and below RM1,001.00 - RM10,000,00	RM0.65 RM0.75
Az-Zahab	RM5,001.00 - RM50,000.00	RM0.75

PAWN BROKING-i AZ-ZAHAB

An extension of the Ar-Rahnu scheme, Az-Zahab also offers instant cash to overcome financial needs. This facility offers a higher facility amount and a longer repayment period.

Concept

Al-Wadiah and Qardhul Hassan

Eligibility

Malaysian citizens aged 18 years and above and permanent residents.
Not a bankrupt

Quantum of Financing

Financing up to 65% of the pawned gold value (Marhun value)
Each pawned item not exceeding RM5,001.00 per day and a cumulative amount of RM50,000.00.

Repayment Period

Maximum 36 monthly installments or
Lump sum payments for a 6 months period

Acceptable Items

Gold jewellery 18K - 24K

Fees

A minimum fee is charged for the safekeeping of the valuables.

Type of Scheme	Amount of Loan	Safekeeping fee for every RM100.00 of gold value per month
Ar-Rahnu	RM1,000.00 and below RM1,001.00 - RM5,000,00	RM0.65 RM0.75
Az-Zahab	RM5,001.00 - RM100,000.00	RM0.75

Source : BR official website (Bank Rakyat)

Ar-Rahnu Agro Bank

2009-08-02T08:48:00.011+08:00

SKIM AR-RAHNU (Agro Bank.)

Bank memberi pinjaman berdasarkan prinsip Syariah Al-Qardul Hassan iaitu pinjam RM10,000 bayar balik RM10,000. Pinjaman yang diberi hendaklah bercagar. Cagaran yang diambil adalah barang kemas. Barang kemas ini disimpan oleh Bank berdasarkan Al-Wadiah Yad Dhamanah dan dijamin keselamatannya. Barang kemas yang disimpan dikenakan sedikit upah (Al-Ujrah).

Kelayakan

Terbuka kepada semua individu atau bukan individu warganegara Malaysia.
Berumur 18 tahun ke atas.

Had Kemudahan/Gadaian

Maksimum RM50,000 @ RM10,000 / hari
Minimum RM100

Tempoh Kemudahan/Gadaian

6+3+2 bulan (Tempoh gadaian pertama ialah 6 bulan, boleh dilanjutkan 3 bulan lagi dan lanjutan tempoh terakhir selama 2 bulan).

Jenis Barang Gadaian

Semua jenis barang kemas yang diperbuat daripada emas seperti : Rantai,Subang,Cincin,Gelang tangan dan Gelang kaki,Kerongsang ,Lain-lain
Emas paun dan emas putih (Platinum) tidak diterima oleh Bank

Kadar Upah Simpan

Margin Pinjaman	Kadar Upah Sebulan Bagi Setiap RM100 Nilai Marhun
50%	RM0.50
60%	RM0.60
75%	RM0.75

Penebusan Gadaian

Penebusan gadaian boleh dibuat secara ansuran atau sekaligus atau pada bila-bila masa sebelum atau pada tarikh matang.

* Tertakluk kepada perubahan semasa polisi Bank

Kelebihan Skim Ar-Rahnu

Pembiayaan mengikut Syariah
Cepat, mudah dan selamat. Barang kemas dijamin keselamatannya
Lebih murah berbanding pajak gadai konvensional
Kadar upah tetap tidak berubah sehingga penebusan penuh
Tempoh gadaian lebih lama
Tiada denda
Lebihan hasil lelongan dikembalikan kepada penggadai

Panduan Berurusan

Permohonan

Isi borang permohonan di kaunter Ar-Rahnu
1 salinan kad pengenalan
Barang kemas yang hendak digadai
Hantar ke kaunter Ar-Rahnu untuk pemerosesan dan dapatkan tunai segera

Pembayaran Secara Beransur

Bayar terus kepada tella di kaunter dengan hanya mengemukakan Surat Akuan Gadaian
Kekerapan bayaran tidak terhad

Penebusan Penuh

Bawa bersama Surat Akuan Gadaian serta bayaran penebusan
Jika melalui wakil, sila kemukakan Surat Akuan bertulis dan salinan kad pengenalan penggadai

Lanjut Tempoh Gadaian

Bawa Surat Akuan Gadaian dan bayaran upah simpan

Kehilangan Surat Akuan Gadaian

Bawa surat Akuan Sumpah yang disahkan oleh Pesuruhjaya Sumpah dan salinan Surat Akuan Gadaian akan diberikan tanpa caj tambahan

Source : official Agro Bank website Ar-Rahnu Agro Bank..

Peluang Keemasan Untuk Anda Menjadi Agen Public Gold

2009-08-02T08:21:00.028+08:00

Assalamualaikum warahmatullah dan salam sejahtera. Harap kita semua sihat sejahtera dan berada di dalam rahmat Allah sentiasa.

Sebenarnya sudah hampir setahun perkara yang sangat mengembirakan telah diwar-warkan dan saya ingin berkongsi bersama anda semua terutama bagi peminat, pelabur dan penyimpan emas (gold bullion/wafers collectors).

Public Gold menawarkan peluang perniagaan kepada individu untuk menjadi agen mereka dengan modal yang sangat berpatutan iaitu nilaian dalam 300g emas sahaja (RM3x,xxx.00) bergantung kepada harga emas semasa.

Saya berpendapat peluang yang ditawarkan ini adalah sangat menarik dan perlu direbut secepat mungkin.

Imbasan kembali tentang Public Gold.

Pada 4 November 2008, Public Gold telah menawarkan peluang kepada individu, syarikat dan koperasi untuk menjadi agen mereka.

Namun modal yang diperlukan adalah tinggi, sekitar RM250,000. Jadi ia sedikit sebanyak menjadi halangan kepada mereka yang berminat untuk menceburi business emas ini, walaupun ianya adalah perniagaan yang menguntungkan.

Sekarang modal agen hanyalah RM30,000.

Public Gold telah membuka peluang menjadi agen kepada mereka yang berminat dengan modal yang minima. Sekarang,

dengan modal M3x,xxx.00 anda sudah boleh menjadi agen Public Gold dan boleh mulakan perniagaan emas anda sendiri. M3x,xxx.00 tersebut adalah untuk belian stok emas 999.9 (starter kit - seperti gambar sebelah kiri ni) Public Gold, contohnya gold wafer 100 gram, gold wafer50 gram, gold wafer 20 gram dan dinar emas 916 (1 dinar, 5 dinar dan 10 dinar).

Sila lihat surat tawaran Public gold di bawah

Klik untuk besarkan

Pada pendapat saya modal tersebut adalah sangat berpatutan bagi business emas ini. Satu peluang keemasan yang perlu direbut segera.

Dengan menjadi agen Public Gold anda boleh membeli dan menjual produk-produk keluaran Public Gold seperti:

Gold wafer 20 gram
Gold wafer 50 gram
Gold wafer 100 gram
Gold Coin 50 gram
Dinar Emas (1 Dinar, 5 Dinar dan 10 Dinar)

Kesemua produk Public Gold adalah untuk pelaburan emas, senang dijual dan perbezaan antara harga belian/jualan lebih rendah. Very hot item

Gold Bar 20 gram, 50 gram dan gold coin 50 gram

1 Dinar, 5 Dinar dan 10 Dinar Emas 916 (22K)

Kebaikan menjadi agen Public Gold.

1. Produk Public Gold sangat mudah untuk dijual. Ini kerana Public Gold menjual emas pelaburan dengan harga yang lebih rendah berbanding harga di kedai emas. Perbezaan diantara harga belian dan jualan adalah sangat kecil iaitu di sekitar 5% - 6% sahaja berbanding dengan kedai-kedai emas diantara 10% - 18%.

2. Gold bar Public Gold tetap diterima walaupun tercalar, bengkok, kemek asalkan beratnya tetap sama (tidak berubah). Jadi, peace of mind kepada pembeli emas Public Gold ni.

3. Stok yang sentiasa ada. Walau harga emas naik atau turun, kita tetap boleh order daripada Public Gold. Tidak pernah mereka cakap stok tak ada. Stok sentiasa ada.

4. Agen diberi pamplet secara percuma oleh syarikat PG. Jadi senang untuk kita bua

t promosi.

Dengan pamplet, Senang sikit nak promote.

Target Jualan Bulanan.

Bagi agen yang baru dilantik, terdapat target jualan bulanan iaitu RM20,000 sebulan. Ini adalah untuk memastikan agen-agen yang dilantik memberikan komitmen di dalam business ini, bukan semata-mata hendak membeli emas dengan harga diskaun. Bagi saya, sales RM20,000 sebulan memang mudah untuk tercapai jika berusaha lebih sedikit, yang penting kesungguhan dan minat yang mendalam perlu ada dalam diri agen masing-masing

Kesimpulan.

Ini adalah satu peluang keemasan yang terbaik. Jika anda mempunyai modal RM30,000 dan juga berkeinginan untuk mencari peluang perniagaan yang menguntungkan, maka menjadi agen Public Gold merupakan pilihan yang terbaik. Bukan sekadar mendapat keuntungan, malahan menyediakan ruang dan peluang bagi kita untuk berkongsi ilmu berkenaan kepentingan emas dengan masyarakat di luar sana. Kita beroleh keuntungan, mereka beroleh manfa'at dari ilmu yang kita berikan, sama-sama mendapat keuntungan dan manfa'at.

Borang Agen...download sini

Jika berminat, hubungi saya.

Jika anda berminat untuk menjadi agen Public Gold walaupun anda tidak dapat menyediakan modal sebanyak RM30,000, anda boleh menghubungi saya dengan menghantar pertanyaan ke email nuar96@gmail.com ataupun letakkan di bahagian komen atau call me@+6012.9897.399. Saya amat berbesar hati sekiranya dapat membantu anda menjadi usahawan emas yang berjaya.

Apa tunggu lagi, rebutlah peluang ini sekarang!

Gold Shines

2009-08-01T11:12:00.013+08:00

Emas merupakan satu aset pelaburan yang tidak mempunyai susut nilai malahan nilainya sentiasa meningkat saban tahun. Emas mampu memberikan pulangan yang lebih besar berbanding ASB!

Emas tulen 999 (24K) atau 950 (22.8K) atau 916 (22K) kesemua ini adalah jenis-jenis emas yang popular di pasaran. Emas yang dimaksudkan ialah Gold Wafers, Gold Coin, Gold Bullion, Gold Nuget dan Gold Bar iaitu emas tulen 999.9% atau emas 24karat. Selain daripada itu ada juga emas 916.7% atau emas 22karat, emas ini juga digunakan untuk Gold Dinar. Kesemua emas ini digunakan untuk tujuan pelaburan oleh kerana kos upah untuk membuatnya lebih murah berbanding emas perhiasan wanita, jadi spread atau perbezaan antara harga belian/jualan lebih rendah sekaligus dapat memaksimakan keuntungan pelaburan.Secara umumnya emas tulen 999 mempunyai nilai yang lebih tinggi berbanding emas 916 yang nilai nya lebih rendah.

Di bawah ini merupakan kira-kira keuntungan sebenar bagi Kijang Emas 999 (24K) :

Harga belian emas 1 troy ounce (31.105g) pada 15 Januari 2009 ialah RM3,085. Manakala harga jualan emas 1 troy ounce (31.105g) pada 23 Febuari 2009 ialah RM3,731.

Seandainya pada waktu itu anda membuat keputusan untuk membeli 3 troy ounce pada 15 Januari 2009 iaitu berjumlah RM9,255 dan menjualnya semula pada 23 Febuari 2009 dengan nilai semasa ialah RM11,193, secara tidak langsung anda mendapat untung sebanyak RM1,938 dalam tempoh sebulan! Keuntungan sebanyak 20%!

Contoh di atas adalah merupakan pelaburan emas jangka pendek. (ia tidak digalakkan sekiranya anda masih baru dalam pelaburan emas dan tidak tahu bagaimana untuk membaca pergerakkan emas setiap hari..)

Menarik bukan? Pelaburan emas merupakan satu pelaburan alternatif dan paling sesuai pada masa ini tatkala ekonomi dunia masih kuncar-kancir dan tidak stabil. Emas merupakan pasaran komoditi dan harganya sentiasa berubah-ubah setiap hari.

Jadi, sekiranya anda berminat untuk membeli dan melabur emas, amatlah digalakkan dan pastikan anda membeli pada harga yang terendah bagi menikmati keuntungan yang maksimum pada masa akan datang. Ingat! Emas merupakan pelaburan untuk jangka panjang yang nilainya akan sentiasa meningkat dan tidak akan susut.

Sekitar tahun 1960an wang 1 dinar emas boleh membeli seekor kambing dan sehingga hari ini 1 dinar emas masih boleh membeli seekor kambing. Mengapa? Ini kerana nilai emas sentiasa meningkat seiring dengan peningkatan ekonomi dunia.

p.s : Anda masih boleh melabur dalam emas 916 jika tidak mampu membeli emas 999. Walaupun nilanya lebih rendah, ianya merupakan satu pelaburan yang menuntungkan. Emas adalah aset yang sentiasa meningkat nilainya!

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Peluang Keemasan Untuk Anda Menjadi Agen Public Gold

Imbasan kembali tentang Public Gold.

Sekarang modal agen hanyalah RM30,000.

Kebaikan menjadi agen Public Gold.

Target Jualan Bulanan.

Kesimpulan.

Jika berminat, hubungi saya.

Gold Shines

You want the best returns
we present a golden opportunity