Kenapa anda tak patut simpan Emas

hehehe....topik kali ni aku spin plak...jadik pessimistik

aku rasa blm lambat nak wish Selamat Hari Raya Aidil-Adha pada sesume kengkawan aku.....post aku kali ni pun ade kena-mengena ngan Hari Raya Korban nih...

hmm..kat kmpg aku ade family day...nak tgk gambar ble tgk kat link FB aku...lepas abis acara, aku ade la jupe sorang member aku nih...dia tau aku trading goldbar...so die pun tanye, "buat pe ko trading emas nih? bole kaya ker??"

- harga dia asyik naik jer...bile nak turun pun aku tak tau
- korang nak tunggu dia turun jugak??? tunggu la sampai semalam...sbb kalo ko tunggu harini dia dah naik lagi...
- kena rampuk abis reta aku....
- emas ni kalis inflasi, aku mmg suka inflasi...aku kan kaya...apelah sgt kalo roti canai harini yg berharga lapan posen sekeping menjadik RM1.20 sekping next year...Aiman tak kesah...
- membazir la beli emas nih...nak resell kena tolak 5% dari harga beli....pastu ejen plak dpt komisen...aku yg beli ni dpt ape???

pastu aku tanye dia satu soalan killer yg buat dia terdiam...."let say, ade orang yg sgt dermawan nak bagi ko 2 pilihan kekayaan yg bernilai RM1juta, yg mane ko akan pilih dan KENAPA??? wang tunai atau Emas?"

Perbezaan Harga Emas...25 Nov 2009

KENAPA EMAS PUBLIC GOLD?

hmm...soalan ni sebenarnya takyah nak dijawab...aku takde pun nak push sangat emas public gold ni…aku cume prefer emas PG ni sebab die mempunyai spread yg rendah berbanding emas² pelaburan yg lain, dan ianya mudah untuk dicairkan….dan disebabkan emas PG ni mudah didapati…

oklah, to be fair, aku pun tak nak bias sgt ngan PG ni, aku bagitau korang pelaburan² emas yg korang bole buat….

i.    Pamp Suisse, Lady Fortuna, Bunga Raya Poh Kong
Sama mcm public gold jugak...diorg pun ade bullion...ade goldbar...design pun cantek, mudah didapati kat memane cawangan kedai emas berdekatan anda. Kalo korang nak amik emas ni sbg emas pelaburan pun bole....TAPI harus diingat:
- tak bole bukak plastik laminate
- kalo bukak, dikire used-gold, so kalo nak jual balik tolak 20%-30% (rugi woo...)
- tak bole gadai, kalo nak gadai kena bukak plastik laminate, kalo dah kena bukak.....??? hmmm
- takde price benchmark (fixed proice utk dirujuk)....diorg akan bagi pricing sesuka hati asalkan harga die still berlegar-legar dlm harga yg dicadangkan oleh FGJAM, dan harga fgjam ni tak diupdate dgn berkala....kenkadang harga naik atau turun tapik kat website dok tang tu jugak...ade sesetengah kedai yg tgk mcm kite ni sengal sikit, die pun spin la mcm² punye cite...end-up we are paying more....ye, walaupun diorg kate bagi diskaun 70%...sume tu gimmick jer...
- spread? huh...paling cikai 10%


ii.    Kijang Emas
Hanya dijual oleh Maybank. Berbentuk syiling dgn pelbagai saiz & berat. Mempunyai spread yg rendah. Tapik sudah hampir pupus disebabkan kepopularitiannya….kalo aku jumpe Kijang ni, mmg aku pun nak rembat….korang bole survey kat memane cawangan Maybank yg terpilih yg ade bela Kijang nih….disebabkan sifat azalinye yg liar, bile korang dpt jgn lepaskan…kalo tak aku amik….hehehe
- spread rendah 5-6%
- tak bole calar, kalo calar tak bole jual balik...

iii.    Canadian Maple Leaf, Australian Kangaroo
Sama mcm Kijang gak, cume yg ni buatan obersee…spread die pun tak tinggi, cantik pun cantik…stok masih ade, tapik cume bole didapati kat HQ-UOB kat Jln Raja Laut…

iv.    Virtual Gold Investment
Aku dah cite pasal VGI ni kat posting aku yg lepas, so korang cek sendiri laaa…aku malas nak copy & paste balik….hehe

v.    Internet stock market
Marabahaya….very very very not recommended bagi org yg mempunyai lemah jantung….high risk high return….pelaburan jenis ni, bole membuatkan duit kite lebur…tapik kalo kena gaya, mmg masyukk….ye la, duit dah bayar, barang tak dapat, harga tak naik, salah timing, duit pun burn mcm tu jer….nak try? Bole try cek kat www.avafx.com sebelum nak mula, bole try akaun dummy dulu, mmg syiok pakai akaun dummy ni, sebab die dah siap² bagi modal USD10k….kalo lebur pun takpe…isk isk isk, aku ni menggalakkan pulak….hahaha ye la kata kan tak nak bias?

vi.    Barang Kemas
Topic ni pun aku dah cover….mak² datin lagi pakar dari aku, so no further comment

vii.    Public Gold
ye, walaupun company ni baru 2 tahun, kite pun tak tahu daya ketahanan company ni....tapik aku tak kisah, sebab kite beli emas kite akan dapat emas...bukan emas atas kertas pajak, bukan emas atas resit jer, tapik emas fizikal...solid.

ape yg buat aku tertarik ngan emas PG ni, diorg dah dapat kelulusan BNM, asalkan diorg tak buat currency, diorg tak buat skim, so company ni dikira clean and safe....

Kenapa nak support company Cina? ape masalahnya? kite ni hidup kat dlm dunia/negara yg berbilang bangsa dan agama...kalo kaum kite sendiri tak bole nak buat, ape pilihan yg kite ade? aku bukan nak condemn...tapik mmg dah terbukti, kaum kite ni lebih suke mengambil kesempatan keatas ke'naif'an kite...aku pun takde la ckp yg kaum lain tu baik sgt....masing² ade kelemahan...so, ape yg nak debatkan samada mengkayakan org Cina, ataupun mengkayakan org Yahudi? << isk isk...aku taknak la cite lelebih pasal kaum ni...nanti ade yg terasa plak...

ok, berbalik kpd topik asal...emas PG ni mmg dah terbukti mempunyai spread yg rendah antara 6-7%....harga pun diupdate every 20min kat dlm website dgn mengikut harga emas dunia kat kitco....

kebaikan:
- stok banyak
- harga dipantau dan mempunyai benchmark
- bole digadaikan...kalo ade laminate bole bukak
- kalo tercalar, bengkok, atau buruk sekalipun, still bole jual balik kat PG dgn mengiklut harga semasa, dgn syarat berat tak kurang...

kelemahan:
- company baru
- branch tak banyak...ade kat Penang ngan kat Sunway PJ jer...selain tu cume ejen, atau wakalah jer...
- tolong tambah, sbb aku taknampak byk sgt kelemahan PG ni...maybe aku ni dah kena mandrem, so kalo korang nampak kelemahan lain, cube bagitau ye...

sementara tu...w/pun ade buah mulut yg mendoakan supaya PG ni lingkup...aku tak kisah pun...sbb emas tu kite pegang sendiri...bukan diorg yg pegang...so worst case scenario, emas kite still boleh diterima kat semua ar-rahnu untuk digadai, ataupun kedai² emas yg membeli& menjual goldbar...diorg mesti beli punye...

lagi satu, aku takde la kate yg simpan emas ni boleh kaya-raya (sebenarnye mmg boleh pun...hehehe), korang simpan emas sebagai lock kekayaan...sebagai insurans...sape yg kat sini ade insurans dia jadik millionare? dah nama pun insurans...guna bile keadaan terdesak atau kecemasan jer....korang takkan jadik kaya-raya dgn hanya beli 20g emas jer....tapik dgn 20g emas ni lah yg bole bagi bantuan kecemasan bile korang memerlukan cash...korang pun tau, yg emas ni kalis inflasi kan? so ape lagi...?

satu lagi...emas ni ade hantu/ aura die sendiri...org bole jadik tamak dgn emas nih...mcm²la cara org nak manipulate emas ni supaya org yg naif boleh terpedaya...so, bile kite tak yakin dgn sesuatu perkara, elok la kire buat research dulu...kalo tak reti/ tak mampu, boleh la bertanya kpd rakan terdekat...jangan pandai nak menghentam jer...

penmbangkang itu bagus, tapik biarla membangkang perkara yg berasas...

renung²kan dan selamat membeli emas....ehh dah beli ker? tak tipon pun??? hehehe daa....

Mane nak carik modal?

Minat nak invest in gold, but no money...how? hmm...dlm post aku yg sebelum nih, aku ade sebut pasal OPM (Other People Money)....but, what is OPM? macam ne apply???

Oklaa..meh aku explain...dari namanye itu sendiri, dah membawa maksud bukan duit kite....OPM ni terbahagi kpd beberapa cabang:
i. Bank
ii. Friends & Family (mcm pakej tipon plak)
iii. OD-ASB
iv. Foreclosure

Bank
Very simple....buat personal loan atau guna credit card....tapik kalo guna kredit kad, kena pandai main billing cycle...bole save on interest....tak byk, tapik bole laa....

Kalo personal loan, byk bank yg bole bagi...gomen staff lagi untung, bole dapat smp RM150k for 15 years lagik...dah dpt loan, jgnla joli katak...bayar komitmen, tutup lubang mane yg patut then beli emas....

Estimate duration to complete the whole process: 3hari-3minggu utk personal loan

Friends & Family
Lagi best...ZERO interest all the way....mcmne nak suh diorg bagi pinjam/ invest duit diorg? gunakanla ape² pengetahuan korang pasal emas dan cerite la kat diorg sampai minda diorang terbukak....

Estimate time: ikut kepakarana anda brainwash bakal shareholder

OD-ASB
haaa....yg ni best sikit nak cite....sbb tak ramai org yg tau pasal tools ni...teknik OD nih, korang bole pakai duit ASB korang tanpa mengeluarkan duit ASB itu....korang tau tak, dividen&bonus yg ASB bagi tetiap tahun akan diberi berdasarkan simpanan penuh selama sebulan? so, kalo duit tu dibuat kuar masuk mcm saving akaun...mmg tak merasa la dividen tuh....

So, mcmne? Ok....korang kena ade at least RM15,000 dlm ASB...(min. RM11,000 baru ble buat)....aku guna contoh RM15k ade sebabnya....
i. Bawak buku ASB gi memane cawangan PNB (yg aku tau satu je, kat HQ jln Ampang) pastu gi kaunter cakap nak convert jadik sijil.
ii.Dapat sijil bawak gi bank (RHB, CIMB, Maybank) cakap nak buat OD guna ASB....siap² bawak payslip 3bulan....
iii. OD approved, korang akan dapat duit OD dlm masa 2minggu...nilai OD adalah 90% dari nilai sijil, in this case RM13,500 (hahaha...dpt la seketul 100g)
iv. Interest OD ikut bank...ade bank bagi ikut BLR, ade bagi -1.0%, max pena jupe -2.0%....and yg paling best, walaupun duit OD kite dapat RM13,500, interest akan dikira ikut daily rest, and untuk jumlah yg kita pakai jer @ ikut baki berkurang...alaaa mcm kredit kad jugak laa tapik lain sikit...

let say, korang pakai semua duit OD tu...maximum interest yg akan dikenakan ialah RM614.25/year @ RM51.19/month....takde interest tambahan...takde late penalty...nak kurangkan lagi interest buat duit gaji masuk dlm akaun OD tu....

so, dgn duit OD...interest max yg bank akan caj ialah RM614.25 setahun (ikut BLR-1.0%=4.55%)...at the same time...duit ASB kite akan selamat dlm akaun dan akan dpt dividen bile cukup setahun yg dijangka tiap² tahun dpt at least 7%....so RM15k dlm ASB dpt RM1050...tolak interest OD....net profit RM435.75....yg ni baru profit utk ASB....kan dah guna duit OD tu beli emas...so, kenaikkan harga dlm setahun paling kurang 25%...maknanya harga emas kite dah jadik RM16,875...so total net profit is RM3,810.75!!!!

hehehe....amacam? best tak? drpd peram je duit ASB tu...baik utilize kan dgn tools ni...dpt maximum profit...

tapik harus diingat....teknik OD-ASB ni takbole guna kalo ade loan ASB...sbb dgn ASBloan, sijil tu mmg dah dipegang oleh pihak bank...so mcmne nak diODkan pulak? tapik lagi....korang boleh wat OD utk dividen yg dpt dari hasil ASBloan tu.... fahemtum??

est time utk nak dpt duit OD: seminggu


Foreclosure
tools yg ni pun best jugak,,,,korang beli rumah lelong low-cost...tapik jgn beli umah lelong low-cost utk PPRT...manyak leceh dokumentationnye....carik la umah lelong yg harga RP (reserve price) dia dlm lingkungan RM40k-RM60k....bid smp menang....tapik jgn gelojoh....buat bajet....jgn over bajet....buat homework brp MV (market value) umah yg bakal dibid tu...

kalo dah menang bid, buat loan...loan approve...sain agreement tukar nama....pastu carik buyer utk buat subsale...kalo dpt umah harga RM40k, MV RM70k...jualla RM65k....mesti ramai yg berebut nak beli punye...dpt jual kire net profit, beli emas...

yg tak best pasal foreclosure ni...timing die panjang sangat: auction>bid>loan>sain>sewa>jual balik= boleh makan setahun....tapik bile dah dpt, mmg best....yela modal RM4k (10%) je...bile jual untung RM20k....500% tuh!!!

nak gune teknik ni kena berguru dulu....takyah face-to-face pun takpe...baca blog jer....then implement....memang syiok...hahaha

so, aku dah share beberapa teknik/tools utk korang dptkan modal untuk invest dlm emas nih...terserahla korang nak pakai atau tak....ilmu ni kalo dikongsi dapat banyak kelebihannya...tak mcm share duit...dpt sorang sikit je...hehehe

2 teknik kat atas tu aku cite basic jer....korang kena la pandai buat research jugak...baru ilmu tu masuk...kalo tak, nnt mesti ade yg terbabas....tapik jgn risau...aku akan cite jugak teknik² in-details utk posting yg akan datang....tungggguuuuuuu......... :)

Lock your Wealth now...or never?

Hyper Inflasi...bersediakah anda?

Semua org tau ape itu inflasi...

ape kena mengena inflasi dgn emas? mmg ianya ade perkaitan yg secara terus...sejarah dah membuktikan, banyak negara yg gagal disebabkan matawang tidak disandarkan pada emas....tak cukup duit, main print jer...matawang ni dinamakan duit fiat (fiat money)....lagi banayk dicetak lagi rendah nilainya...

Di antara kisah kegagalan wang kertas yang pernah berlaku adalah:

1. Kerajaan Perancis –tahun 1715
2. Republik Weimer Jerman - 1922-1923
3. Hungary 1945-1946
4. Chile 1971-1981
5. Peru 1988-1991
6. Angola 1991 – 1999
7. Yugoslavia 1992-1995
8. Belarus 1994-2002
9. Kerajaan Mexico – pada tahun 1994
10. Kerajaan Argentina – pada tahun 2001
11. Zimbabwe 2000-2009

Yang terbaru, Iceland...coming up is Japan...USA...hoish! USA? biar betui...??? ye mmg betul. para ekonomis dah menjangka hyper-inflasi akan berlaku pada USA dlm tempoh 5 tahun ni...knp? sbb dah terlampau byk sgt bail-out yg diorg buat....cube bayangkan...negara China mengambil masa selama 50 tahun untuk rakyatnya mengumpul kekayaan negara bernilai 1 trillion....tapik Ammarika...dlm masa setahun, brp byk syarikat yg di-bail-out olehnya? dan nilainya adalah lebih dari 1 trillion!!!...huhuhu...banyak tuh...

korang ingat bail-out tu pakai mulut je ker? atau tulis atas kertas jer? print duit laa...beli bon-bon...tapik takde reserve emas...negara India yg selama ni bersandarkan matawang terhadapt USD dah mula bertukar arah....mgu lepas diorg baru jer beli 200 tonne emas dari IMF....so skang IMF tinggal 200 tonne lagi belen..sape nak? knp India beli emas tu byk²? walhal diorg mmg terkanal dgn barangan kemas? sbb India baru sedar, matawang yg disandarkan kpd emas lebih stabil...so kalo takde emas dlm Federal Reserve jgn mengade² nak print duit...

berbalik kpd inflasi...korang tau tak, dgn menyimpan emas korang takkan terkena tempias infalsi? emas ni kan kalis infalsi...tak caya? korang mesti dah biasa dgr metafor guna dinar ngan kambing...kali ni aku guna metafor yg lebih real sikit...

ok, pada tahun 2000 harga emas ialah RM33/g dan harga kereta Honda Civic ialah dlm RM80k...so kalo nak Honda Civic time tuh, korang kena ade 2424g emas....tapik tahun 2009, harga Civic dah jadik dlm RM130k, naikkan? betapalah tensennye korang bile dah berazam nak beli Civic kumpul duit cukup RM80k, tapik bile dah smp masanya, still tak cukup lagi....tapik dgn simpan emas...pada tahun 2009 harga dah jadik 120/g korang cume memerlukan 1083g emas sahaja!!! so, maknanya...kalo korang ade emas sebyk 2424g time tahun 2000 tu, simpan smp skang, korang gadai/jual kan emas² tuh....korang still ade RM160k cash in hand!!! bole buat beli lagi sebijik...takpun upgred terus jadik BMW 5series....amacam??? suda terbuka minda???

tu baru Honda Civic...belum aku dok cite pasal Rumah....nak cite gak? umum mengetahui hartanah adalah pelaburan yg paling menguntungkan...ok, mari kite buktikan...aku beli apartment yg aku dok skang dgn harga RM147k (2007) so ianya bersamaan dgn 2011g (RM73.1/g)...tapik tahun nih...umah aku dah naik jadik RM160k (+8.8%) ataupun bersamaan dgn 1230gram sahaja!!! (RM130/g as at 8/11/09)....so harga umah aku nmpk mcm naik, tapik disebabkan inflasi....harga dia sebenarnya jatuh....

so, ape lagi??? Now or Never....

Virtual Gold Investment

hmm...semalam baru dok tgk rancangan Bijak Wang dari TV3....for me, its more to promoting GSPA to the public...ade jugak disebut pasal Kijang Emas (gold coins from Maybank the show sponsor)....tapik tahukah dia (Dato' Salleh Majid, mantan Presiden BSKL)  bahwa Kijang Emas yg dikeluarkan oleh Maybank sgt terhad jumlahnya....dan ianya tiada pengeluaran baru lagi? kalo nak carik Kijang nih, mmg kena memburu mcm nak rak...sesape jupe terus rembat je...sbb mmg berbaloi...spread dia rendah, design pun cantik...kalo nak dptkan Kijang nih, kenalah tanye kat para penternak Kijang ni...bukan sume branch Maybank ade bela Kijang nih...bole dikatakan hampir pupus...

ok, sebelum ni aku dok cite pasal Public Gold jer...memangla...dah aku ni ejen Public Gold...wakakaka....takkan aku nak dok promote Poh Kong gold plak? tapik kali ni aku nak share sikit pasal gold investment yg diceritakan pasal Dato' Salleh semalam....maybe ramai yg tak tgk rancangan tu atas sebab yg tertentu...yg dah tgk pulak, maybe tak berapa pasti apekebende nye,GSPA dan GIA tuh....

Ok...GSPA (Gold Saving Passbook Account) adalah pelaburan emas yg dijalankan oleh Maybank manakala GIA (Gold Investment Account) adalah drpd Public Bank...tapik ingat Public Bank dgn Public Gold takde sangkut paut secara langsung ataupun tidak lansung ye...

kedua² jenis akaun ni, aku kategorikan sbg Vitual Gold Investment (VGI),sebab emas tu kite tak pegang,,,kite cume nampak figure dia kat passbook die jer...mcm passbook saving account kite yg biasa...cume passbook ni ikut harga asal spot gold price...so, spread die pun tak tinggi....ianya selamat sebab korang takyah nak bawak jongkong emas ko tu gi memane...takde risiko kena rampuk <<--dei, apsal aku suke guna perkataan rampuk nih? hmmm sebab bunyi die lagi halus drpd 'rompak'...kalo sebut rompak, mcm horror jer bunyinye...hehehe

VGI ni amat sesuai kpd pelabur yg taknak risiko, atau kpd mereka yg takut² tapik nak cube. Bagi aku, VGI ni aku gunaka sbg leverage....nnt aku cite lg details kat bawah...utk membuka GIA, korang kena beli at least 20gm and maintain (takleh kurang)...kalo kurang dikira tutup akaun...kalo nak tambah kena dlm gandaan 5gm and kalo nak jual dlm gandaan 1gm...

GSPA plak, korang kena bukak dgn min 5g...tapik advantage GSPA bole keluarkan dlm bentuk jongkong 20g, 50g atau 100g....tapik seblm bukak memane akaun VGI nih, korang kena ade facility dgn bank tu dulu....dlm kes ni, kena ade at least saving account...kalo takde kenalah bukak dulu...kalo dah bukak bole terus pohon...tapik bank yg manage VGI nih amat terhad...so kena pandai buat calling²....

ok, mcmne aku leveragekan VGI nih? memule beli gold bar dari PG (beli kat aku la, sape lagi??hahaa)....gi pajak kat ar-rahnu....dpt 65% cash, masuk VGI....dlm masa 6 bulan, harga VGI naik...jual balik....tebus kat ar-rahnu amik balik emas tu....tolak harga upah kire keuntungan...pastu blanje kengkawan....senang jer kan? dgn teknik ar-rahnu (rempit) yg betul, kite akan mendapat keuntung dgn lebih cepat....

aku suka buat calculation, so meh kite main kire²:
-pada 11/08/09 harga 100g PG ialah RM11275..aku pun beli la seketul....
-pada hari yg sama bawak gi ar-rahnu gadai...dpt 65% cash= RM7328.75

-upah simpan ialah RM0.65 utk setiap RM100...alaa kira 0.65% laa sebulan (tak smp 1% pun)
-pada 21/08/09 dpt bukak GIA-Public bank pada harga RM109.18/g (selling) dapat beli 67g= RM7315.06 belen RM13.69 buat mkn lunch
-so, bulan Aug smp bulan Nov kire 3 bulan, so upah simpan (11275 x 0.65% x 3)= RM219.86
-arini harga buying utk GIA ialah RM117.80 so korang dah untung RM8.62/g= RM577.54!!!
-tolak duit upah simpan ar-rahnu; dlm 3 bulan dpt untung RM357.68 (kenaikan 3.1%)

so mcmne??? menarik tak? dlm 3 bulan main emas dpt untung 3.1%...dan perlu diingat, emas PG tu kite masih pegang....kalo nak jual jugak kat member dgn harga selling pada harini ialah RM13082....so keuntungan bersih drpd beli-gadai-GIA-tebus-jual emas ni...dari bulan Aug'09 smp arini korang akan dpt keuntungan bersih sebanyak RM2164.68!!!!!!!!!!!! (+19.2%)

banyak tak? tu baru 100g, kalo bergram-gram? berkilo-kilo? isk isk...kire sendiri lah....

perlu diingatkani, korang tak digalakkan menjual emas korang smp betul² perlukan duit....kalo rase nak pakai duit tapik rase boleh cover balik dlm mase terdekat, gadaikan jer....dah jual nak beli balik, rase mcm perit jer....sbb kite dah jual dgn harga tinggi mesti kite nak beli dgn harga rendah balikkan? tapik bile?

sebenarnya, ada byk cara lagi nak rempit emas nih...yg aku dok cite ni, utk tahap novice (beginner)....kalo dah expert ble gandakan lagi keuntungan tu walaupun menggunakan tempoh waktu yg same...cume cara je lain sikit....aku cite lg utk next entry...

hmm...renung²kan....dan selamat melombong... :)


-i share because i care-

Nak buat pe beli/simpan emas nih???

Tadi ade org tanye aku, nak buat pe simpan/beli emas nih? nak simpan katne? kalo tak nak simpan nak buat pe dgn emas tuh? ok, meh kite kupas satu persatu....

1. Nak buat pe dgn emas yg kite beli tuh???
Simpan je laa....macam simpan duit kat ASB, kat SSPN, kat dlm tabung haji, kat dalam fixed deposit....same je konsepnya...cume bile kite simpan emas nih, kite simpan sendiri, kite pegang sendiri, so takde masalah emas kita dimanipulasi, takde la unsur riba', takde inflasi.

Bezanya? simpan kat institusi kewangan nih, korang akan dapat return dlm bentuk dividen/interest/bonus yg telah ditetapkan, kalo nak diikutkan, return ni adalah riba', sebab ape?? ble tanye ustaz...aku ni takla arif sgt pasal hukum hakam ni, sbb tu aku pun ade menyimpan kat dlm bank...ye laa, bile kita dah hidup dlm sistem kapitalisme pastu diikuti pulak dgn sistem monopoli, kite mmg takbole nak buat pilihan melainkan ikut je laa...

dgn menyimpan emas, korang akan dpt return yg berganda² drpd ape yg pernah korang dpt (100% halal pulak tuh)...kenaikan harga emas tak pernah mengecewakan para pelabur/penyimpan....ASB paling tinggi pernah dpt 11%, KWSP max 5.5%, fixed deposit? lagi hampeh...2-3% jer...simpan bagai nak rak, dptnye sechepot jer...ini baru return yg material, belum tolak lg dgn kadar inflasi negara yg tak pernahnya 0%, ingat lagi kempen "Inflasi Sifar"? ape sudah jadik? May'08 kadar inflasi negara 3.8%, June'08 mencanak jadik 7.7%, July-aug lagi naik 8.5%, in average kadar inflasi negara pada tahun 2008 ialah 5.43% compare to 2007 which is 2.0%, and 2006 is 3.63...tahun 2009? nampak mcm ok jer...Jan'09=3.9% and Aug'09 is 1.3%, so aku expect at least average inflation rate utk 2009 is 3%++...so bayangkan org yg simpan duit kat dlm fixed deposit kalo return dpt 4% last year....effectively, die sebenarnya dah kerugian 1.43%!!! isk isk...terer tul bank ni buat duit...

kalo simpan emas, Oct'08 harga emas ialah USD730 per ounce, Oct'09= USD1050/oz!!! kenaikan sebanyak 43.8%!!! Nov'09 dah jadik USD1091...so bayangkan kalo RM10000, tahun lepas buat beli emas, simpan smp skang dah menjadik RM14300....itu baru simpan jer....belum dibuat trading lagi....kalo buat trading, keuntungan bole menjadik sehingga 100%-200% setahun...tak caye? nnt aku bole tunjukkan...pastu kalo simpan jer,jgn lupe bayar zakat yer....kalo wat trading takyah...sebab emas yg kite pegang tak smp setahun...kalo nak bayar gak, alhamdullillah...bukan luak pun...dengan EMAS kite telah locked kekayaan kite...

2. Kalo nak simpan, nak simpan kat ne? nanti kena curik, kena rampuk...camne?
Simpan la kat safebox....berapa? RM200-RM300 setahun jer mengikut company/bank, siap dgn preloaded insurans RM10000 lagi...kalo tak cukup boleh tambah RM20 per RM10k coverage....tak mahal ker? taklah, min return pun 25% takkan RM200 setahun takleh bayar.....berbaloi ke simpan kat safebox? berbaloi-baloi....(khas utk penyimpan emas je ye....)trader tak yah simpan, stok laju je abis....

so, kalo ade emas bernilai RM10k, amikla insurans RM20k, so kalo kena rampuk mcm yg jadik kat public bank seri kembangan last year, at least korang ble dpt balik RM20k! bole ker over insured? hmm...cube tanye²kan, kalo dpt jawapan, tolong bagitau yer...

3. Kalo tak simpan nak buat pe dgn emas tuh?
Ape benda yg kat dlm dunia ni bile dibeli, nilainya adalah same dgn nilai belian at that time? Handphone kalo dah dibeli kat kedai Ah Meng dgn harga RM1000, pada hari yg sama nak jual balik kat kedai Ah Choi dah tinggal RM800, kalo dah calar? dah terjatuh? same gak mcm kereta...at the moment kite sain agreement Hire-Purchase, harga keta kite tu dah berkurang at least RM5k...tak caye? cube buat...cube tgk kat motor trader...punye melambak keta yg baru setahun pakai, harga dah berkurang smp RM10k...ish ish ish

So, dgn emas, hari ni beli dgn harga RM12291 per 100g, pastu kite nak jual kat kawan kite balik pada masa yg sama, dia akan beli jugak dgn harga yg same....NO NEGOTIATION...dgn Public Gold harga berubah setiap 20min...so, kalo kul 10.00pg ko beli dgn harga RM12291,then 20min later harga dah jadik RM12295 pastu jual, dah untung RM4, dah ble lepas duit bekfes nasi lemak...

kalo kul 10.20pg tu harga turun jadik RM12285 camne plak? jgn gabra...kalo harga turun, kita jgn jual emas kite tuh...kalo ade org nak beli, kite amik duit org tu, kite belikan utk dia...takde direct profit....tapik kalo kite ejen PG, kite akan dpt rebet 1.5%...ok la tu...dpt gak RM184...

Ye...dgn menjadik ejen PG, kite akan dpt diskaun/komisyen/rebet sebanyak 1.5%...sikitnye? harlow...ini bukan jual goreng pisang...ni gold-trading...cube jual 1kg, at least dpt RM1500!!! tak masuk lagi untung kenaikkan harga....so, tak cukup lagi ker??? isk isk isk...jgn tamak yer...

Go for GOLD, go for GLORY

How to buy physical gold?

ok, todei we tok Landen lah....ken or kenot?

as my earlier posting about physical gold, sure some of you might be thinking or even talk to themself..."hey,how to buy this physical gold?" "how much does it cost?" "i like to buy, but don't have money" etc. etc. Bear with me...i will share it with you, because sharing is caring :)

FYI, Public Fine Gold International Sdn Bhd with his sister company Public Dinar Sdn Bhd are the 1st Locally-Manufactured Certified Gold Bullion Bar by Malaysia Book of Records on 18th Oct 2008. The main office is in Lebuh Bishop Penang. But with their agent which located at various location nationwide, getting the PG bar is as easier a phone call away. All agent (it's me laa) will be glad to send the gold directly to you.

The price is fix as at time of viewing on their website:
- www.publicgold.com.my
- www.publicdinar.com

Or you can text [public gold] or [public dinar] to 32828 to get the latest price via mobile.

This price is about 5-7% bit more than global price demand as to take into consideration of moulding, administration, commission, etc. etc., but still it's the cheapest gold bar you can find in Malaysia. If you can find any other gold which is cheaper than PG, then go for it...as mentioned on my earlier post, in Malaysia itself have a lot of gold bar product or brand. It just a matter of stock availability, pricing and convenience...

In PG, you can get the gold at any given time even when the office has closed. Our agent (me again) will get in touch as soon as possible. Lock the price, bank in the money to my bank account as provided...and the gold will be delivered to you at your doorstep.

Wait a minute, "bank payment to your account??? i didn't even know you! How to trust???" Well, if you didn't trust me, it's ok...you can bank it directly to the PG company account...once confirm we will deliver the gold to you...just DO NOT LOSE the bank in slip...if not, hmmm the money goes to charity lorr....

Wait a minute again..."bank in to PG's bank account? i didn't trust this company laa.." Well, nothing much i can say about this, but sctually you can still buy it directly at their HQ in Penang or their branch in Sunway, PJ. But plz ensure to lock the price first. Once locked, you have the time before the office is close to made a payment, if not the price will be null.

How to ensure my gold authenticity? is it really 916 or 999? is it really 20g or less? well, you can have your gold tested at the outlet with the density test machine. This machine can test any precious metal such as silver, gold or platinum with the maximum weigth at 3kg. Some bank especially with arrahnu facility, may have the reading up to 1kg only.

If you still didn't trust PG machine (dowh...), you can have your gold tested at any arrahnu outlet or pawnshop...hehehe

No cash to buy? you can pay by credit card (3% surcharge), or even pay in installment for 4 times with ZERO interest!!! Your gold will be kept by PG until you made the final payment. The best of this feature is, the price is locked at the time of purchase and if you want to sell back the gold to PG after the price has increase, PG will buy it back with the current price, so you still can make a passive income out of it.

Ok let's try to calculate:

-let say...on 3/10/09 100gram PG selling price is= RM11987; buying= RM11388, pay in 4 times meaning monthly you only pay RM2996.75...right?

-today 4/11/09 the price has gone up to RM12930 (sell)/ RM12303 (buy), so if you sell the gold back to any PG agent or even to PG itslef, they will use the "buy" price, in this case RM12303

-you bought the gold on 3/10/09 at RM11987 and sell it on 4/11/09 at RM12303, so nett profit is RM316 of which you only paid RM2996.75 to PG. So 10% profit in 1 month!!!
- 2 teknik amat tak sesuai dilakukan bagi umat Islam, sebab hukumnya haram beli emas dlm keadaan tertangguh

(edited on 08/11/09)

Lock your Wealth, buy GOLD now

Gold is Money

Gold is money, because of its fundamental nature.

Gold is money because it is liquid and easily tradable, with a narrow spread between the prices to buy and sell. Also, gold is easily transportable, because it has a high value for its weight. This makes gold an excellent medium of exchange.

 

Gold is money because it is divisible, you can divide it into coins, or re-melt it into bars, without destroying it. Also, gold is fungible, where each unit of .999 fine gold (99.9% pure) is similar enough to another unit so as to be easily interchangeable. Gold is also nearly impossible to counterfeit, as genuine gold is easily recognizable. When measured by weight, gold is easily countable, and verifiable. These properties make gold an excellent unit of account.

 

Gold is money because it is a great store of value. Gold is not subject to decay, rot, or rust. Gold has an intrinsic value, because it is rare, highly coveted the world over, and is a luxury item. Gold has also become more and more important as an industrial metal especially for technology applications. Because of its rarity and its durability, gold has been almost universally acceptable as money for thousands of years. As an example, in ancient Rome for an ounce of gold you would be able to purchase a very fine toga, a hand crafted belt and a pair of sandals. Today that same ounce of gold would buy us a fine suit, a hand crafted belt and a pair of shoes. Comparatively the US dollar in recent years has lost about 40% of its purchasing power.

Gold remains the only world currency not open to debasement, competitive devaluation, or the excessive promises of overspent governments.

As an investment, gold typically is viewed as a financial asset that will maintain its value during times of political, social, or economic distress. As such, gold can provide individual and institutional investors alike with a portfolio safety net against sharp downward spikes in complementary assets such as stocks and bond.

source: http://www.publicgold.com.my/content/view/42/74/lang,english/

Perbezaan: Barang Kemas vs Emas Fizikal

in term of purity, kedua² emas ni takde beza...barang kemas mempunyai ketulenan 916 (22k) same goes to gold coins dinar emas. Tapik gold bar mempunyai ketulenan 999 (24k). Jarang org menggunakan emas 999 utk membuat cincin  sebab sifatnya masih boleh dilentur. kalo buat jugak ia mudah patah, atau putus. disebabkan itu emas untuk barang kemas akan dicampurkan sedikit logam seperti perak untuk mengukuhkan lagi rupe bentuknye jadilah ia emas 916...but still barang kemas ni masih bernilai tinggi sepertimana gold bar atau dinar emas.

yg menjadik perbezaannya ialah spread harga jual-beli. barang kemas ade upah design, upah lentur, upah pejadah lagi, so mempunyai spread yg sgt tinggi sehingga mencapai 20%, so kalo korang beli brg kemas dgn harga RM1000 sebenarnya harga dia hanyalah RM800, tapik kalo beli gold bar, spread dia sgt rendah iaitu antara 4-6% shj. gold bar tak perlu design, tak perlu bentuk (mould) cantik², bentuk empat segi tepat pun org beli jugak....bentuk jongkong pun org nak jugak...so, kalo korang ade gold bar, harga dia takkan jauh beza dgn harga semasa dunia...

gold bar ni pulak ade byk jenis atau brand, kat Malaysia nih popular dgn Kijang Emas-Maybank (dah abis stok sbb bank negara tak nak kuar stok baru, kalo korang ade jgn jual, kalo ade org nak jual terus beli), Maple Leaf, Australian Kangaroo, Singapore Gold Lion, PAMP Suisse Lady Fortuna, dan mcm² lagi laa....even Poh Kong and Habib Jewel pun ade gold bar diorang sendiri...tapik berhati², gold bar Poh Kong & Habib tak boleh digadai, kalo korang nak gadai jugak, tak bole jual semula kat diorang, kalo nak jual jugak, diorg tolak 20-30%!!!! dgn alasan emas tu dah terpakai (used-gold)...kalo tercalar? kalo kemek? pepandai kira la kerugiannya...kenapa boleh kurang sgt kalo dah digadai? sebab emas ni dijual dlm packing yg cantik, siap ade laminate dgn sijil ketulenan skali....so, bile korang bawak gi gadai kat arrahnu, diorg kenalah bukak sume laminate tu utk timbang berat dan ketulenan...and bile diorg timbang, ade harapan emas tu akan tercalar sikit sebab terguris dek pengepit emas yg diperbuat drpd besi...

Lain pulak gold bar yg dikeluarkan oleh PG, korang bole beli, gadai, and jual balik gold bar tu kat PG dgn mengikut harga semasa tanpa ade pengurangan. PG even akan beli balik emas korang kalo ia tercalar atau kemik sekalipun dgn syarat berat tak kurang. Ini adalah jaminan drpd diorg....bukan jaminan aku sendiri.

So, dah tau perbezaannya? then, what are you waiting for??


GOLD is your WEALTH protection