Keadaan Kewangan Yang Pelik

Setiap hari kita berurusan didalam transaksi yang memerlukan media 'wang'. Kita menggunakan wang kertas dan syilling memandangkan ianya mudah di pecahkan, ringgan dan di jamin pembayarannya oleh Bank Negara.
Kertas yang di tulis nilai itu bukanlah wang yang sebenarnya, tetapi ia hanyalah wakil bank yang menjamin untuk dibayar dari segi nilainya. Kenyataan kertas tersebut ialah ... Wang kertas ini sah diperakukan dengan nilai ......

Keadaan kewangan sekarang ini telah menjadi semakin pelik dimana kertas telah dijadikan bahan hutang dan jaminan. Di USA contohnya, dokumen hutang seperti pinjaman perumahan dijadikan jaminan (cagaran dari pihak atau negara lain) untuk bank memperolehi wang lagi dan untuk di pinjamkan. Begitulah proses perniagaan di waktu ini. Ianya seperti konsep re finance rumah atau kereta bila inginkan wang tunai.

Dalam proses evolusi pemikiran, kita telah berjaya di programkan untuk menerima kertas jaminan sebagai wang. Fikiran kita telah dikhayalkan dengan angka beribu dan berjuta di dalam bank. Maka kehidupan kita sentiasa ingin menambahkan angka-angka akaun kita.
Adanya bank yang bertugas menjadi penyimpan akhirnya memakan kita kembali. Dengan skim pinjaman mudah, kita telah terperangkap membayar hutang kepada bank sepanjang hayat. Bank telah membuat duit yang banyak bila kita menyimpan dan untungnnya berganda bila kita meminjam. Tidak logik bank boleh bangkrap kalau pengurusannya betul. Minda kita telah di sogok bahawa, menyimpan didalam bank selamat, untung dan senang berurusan. Sebenarnya duit yang kita suruh bank simpan itu telah di gunakan untuk pinjaman. Cuba dibayangkan bila kita semua dengan serentak mengeluarkan semua wang dari bank! Itulah yang berlaku di USA sepanjang tahun lepas dimana banyak bank yang bankrup gagal untuk memberikan wang tunai secukupnya bila semua pemegang akaun datang!


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Semakin memberangsangkan ...

Harga emas pada 26/5/2010 untuk kijang emas agak tertinggi setakat ini iaitu 1oz RM 4284/4116. Apakah perlu dijual atau terus disimpan? Ini bergantung kepada keperluan dan strategi masing-masing. Kalau keperluan itu cukup, simpan terus untuk jangkamasa lama.
Kenapa masih lagi menyimpan dalam bentuk emas dan tidak nota kertas? Memang sukar untuk menjawabnya, sebab jawapan tersebut tidak akan memuaskan hati. Sebaliknya lihatlah keadaan persekitaran ekonomi europah, peperangan korea, ekonomi usa dsbnya. Keadaan mungkin berubah ataupun sebaliknya. Jika kajian dan pengamatan di buat untuk beberapa waktu, kita akan terasa untuk memulakannya tetapi melihatkan nilainya yang terambung-ambing sudah tentu keyakinan itu dipersoalkan kembali.

Ada beberapa review yang menarik untuk dibaca. Why the gold sector? Why now? http://www.kitco.com/ind/schwensen/may242010.html

Semakin bercelaru ....

Mungkin berita di atas bukan satu kebetulan. Ia memerlukan perhatian oleh pihak berkuasa yang mengagihkan pemberian zakat. Sebelum ini terdengar banyak punggutan zakat telah diperolehi sehingga berjuta-juta, dan ada yang disiarkan dalam media. Ada juga rakan-rakan yang menyumbangkan zakat sehingga RM 20000 setahun. Kemanakah wang-wang tersebut? Bagaimanakah ianya diuruskan?
Mungkin perkara ini satu isu yang sensitif, malangnya usaha yang sepatutnya dilakukan oleh Institusi Islam gagal sama sekali. Dimanakah pegawai yang diamanahkan untuk membantu mereka? Kita tidah hanya bercakap diatas pentas sahaja, tetapi turunlah dari pentas dan menjelajahlah ke seluruh kawasan yang bermasalah. Orang miskin tidak mungkin ke pejabat-pejabat kerana sebab-sebab tertentu, tetapi orang yang diamanahkan haruslah mencari mereka.
Berilah zakat kepada yang memerlukan. Biasiswa memang sukar diperolehi, pinjaman berunsur riba pula dikenakan. Berilah peluang rakyat yang kurang berkemampuan menuntut ilmu dan berjaya. Kepada Allah swt ku memohon hidayah dan kekuatan.

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iPhone

The Best Ways To Invest in Gold

Ada berbagai cara untuk menyimpan nilai ringgit dalam bentuk emas, seperti gold coin, gold bar, gold stock dan gold paper. Saya masih percaya lagi pemilikan physical gold lebih berfaedah kerana ianya tidak melibatkan spekulasi dan riba.

Petikan journal ini diperolehi daripada http://investing-school.com/lessons/the-best-ways-to-invest-in-gold/. Semoga ianya memberikan kita pengetahuan tambahan dalam mengusai ilmu perlaburan dan penyimpanan emas.

When it comes to investing in gold, the best way to make it happen is to spend some capital on many different gold products. One of the biggest mistakes that investors make when investing in gold is that they put too much faith in one product.

Gold is nice because you can invest in things like coins, bullion, and bars, but you can also buy gold certificates and gold-related funds, too. If you want to be as diversified as possible, you will combine all of these things, while also investing in some of the gold stock that are out there on the market today. Each has its advantages that you can exploit.

Picking the best blue chip gold stocks

Talk to savvy investors and it will become clear and apparent the best way to get your money into the gold market. These people buy coins and bars, but they go a little bit further than that. Buying blue chip gold stocks is a solid option because these companies have consistently posted nice returns over the last decade. Blue chip gold stocks are in a better position right now than they have been in the past for one reason. With their economic superiority, they are able to buy out the small exploratory companies and completely dominate the marketplace. This stranglehold on the market gives them power and bargaining ability.

Using exploratory gold company stock as a growth option

Few items in the gold investment world offer a competitive chance at growing your money. There is one exception, though. Exploratory companies sell stock to the public and they go out to find gold all the time. If you put in the time to research and find good up and coming companies, you can reap the rewards when they do well. Most of these companies will eventually be bought out by the big gold mining firms, so the stock will explode in value when that happens. This is a riskier strategy, but it is something worth considering as a small part of your overall gold buying plan.

Buying gold coins

Probably the most common and popular way to invest in gold is through the purchase of gold coins. These are available through a host of different sellers, with some of them being on the internet and some of them being out in the “real” world. Buying coins is a good way to go about gold investment because it provides you with something that is highly liquid and highly portable. Gold coins have the same value as things like bars, but you can keep them in a little sack or you can store them in a safe without taking up too much room. For those who are worried about the safety of their gold, this is a nice choice.

With coins, it is easy to buy and sell them when you see an opportunity. Most folks who want something tangible to add to their investment portfolio will purchase a certain dollar amount of these, since gold coins are pretty valuable all around the world. You are definitely not limited in when and where you can sell gold coins, which adds a lot to their practical value.

Buying gold bars

A slightly less common way to buy gold is by purchasing bars. You can buy pure gold bars known as bullion, as well. The downside to purchasing bars is that it requires a lot of space to store them. With each gold bar having a lot of value, it is important that you keep these items locked up and in a safe place. Just leaving them around is a good way to have a lot of your gold portfolio stolen out from under you.

Bars and gold coins can usually be purchased from similar sellers and the benefits are basically the same. As tangible gold assets, they are a nice security blanket, because their value is not going to plummet. Even if the markets go bust, these items will retain their value all over the world.

Pendidikan Kewangan

Agak ganjil bila subject ini diutarakan. Saya sendiri tidak beberapa memahami konsep Pendidikan Kewangan ataupun Financial Education. Kebanyakan kita yang tidak mempelajarinya samada di sekolah menengah dan universiti tentu agak kekok untuk mengendalikan wang gaji ataupum hasil untung perniagaan. Ahli perniagaan tentu bijak memusingkan wang tunai mereka dalam beberapa bentuk seperti modal berniaga, gaji pekerja, simpanan bank dan sebagainya. Bagaimana pula dengan diri kita?
Setiap insan yang sudah mula bekerja akan memikirkan beberapa perkara iaitu hidup berkeluarga, rumah, kereta, keperluan asas, bantuan kepada ibubapa dan hutang pinjaman bantuan pendidikan. Bagaimana hendak memulakannya sedangkan gaji permulaan ialah RM 2000-4000 sebulan? Disinilah perlunya Financial Education yang betul. Bagaimana mempelajarinya? Dari siapa? Ada ke kursus tersebut? Saya sendiri tidak dapat menjawab soalan tersebut.
Pengalaman hidup banyak membantu kita dalam menghadapi masalah ini. Beberapa perkara penting perlu di fikirkan:-
1. Perlukah kita berhutang? Sampai bila kita harus berhutang?
2. Bolehkah kita dan pasangan hidup dengan ala kadar dan sederhana?
3. Apakah keutamaan kita? Televisyen, radio hifi, handphone, kereta dan barang kemas.
3. Bagaimana dengan isu-isu insurance kesihatan dan pelajaran anak-anak?
4. Fahamkah kita mengenai bank, cara bank mengambil keuntungan dari kita dan hak-hak kita?
5. Apa itu kad kredit? Kenapa bank beria benar menyuruh kita mengambil kad kredit?
6. Pinjaman peribadi mudah benar diberikan? Untuk apa? Kenapa?
7. Konsep refinance (pinjaman hutang dua kali!), riba dan transfer hutang ke kad kredit lain. Fahamkah kita?
8. Apa akan berlaku jika kita tidak dapat membayar hutang- hutang tersebut kerana masalah-masalah tertentu? Bankrup?
9. Masalah pinjaman bank yang tidak diuluskan mengakibatkan ramai yang pergi meminjam dengan orang lain ataupun ALONG (ceti moden). Masalah berat pula yang akan muncul!

Bermacam-macam masalah akan terus kita hadapi melibatkan ahli keluarga yang telah terlibat didalam kancah hutang. Semuanya akan berakhir dengan cara yang sama iaitu bila pencen, hutang selesai dan dapat duit KWSP ataupun pencen seumur hidup. Beberapa konsep ini perlu kita ubah dan diganti dengan sikap yang sebenar disisi Islam supaya keturunan kita tidak terus terjebak dengan perkara-perkara haram untuk selama-lamanya.
Kita ingin hidup yang bebas daripada hutang dan mendapat berkat Allah swt. Insyallah akan saya ulas perkara diatas jika berkeupayaan.

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Why Should You Invest In Gold?

Article from Casey Research.com

Kenapa kita perlu melabur didalam emas. Sering kali menjadi perbincangan ialah samada emas sebagai pelaburan atau satu bentuk wang untuk disimpan.
Saya mengambil kedua-dua konsep tersebut. Emas tulin yang dibeli dengan wang fiat seperti Gold Bullion disimpan sebagai pelaburan. Ia belum lagi di anggap sebagai wang. Mengikut pembacaan saya, sejarah kegunaan emas sebagai wang ialah sebagai dinar dan dirham, campuran emas dan perak dalam ratio tertentu.

Pada waktu ini emas boleh ditukar kembali dengan nilai wang fiat, jika kita terdesak. Emas tulin ketika ini sukar digunakan untuk berjual beli. Jika tidak terdesak simpanlah emas tulin dan jangan di jual. Kegunaan dinar dan dirham, belum lagi di iktiraf diseluruh dunia diatas sebab-sebab tertentu, tetapi kita boleh membeli dan menyimpannya.

Lapuran dibawah adalah perkara yang berlaku di USA dan mungkin ada kaitan dengan negara kita. Di harap ianya dijadikan bahan ilmiah yang baik untuk kita semua.

Why Should You Invest in Gold?

Let’s call the global crisis what it is: the worst financial
collapse since 1929. Housing prices are down 30% from
their bubble peak in 2006 and we believe the end of
the decline is still not in sight. While worldwide stock
markets have recovered some of their 2008 losses, few
investors are confident that a lasting recovery is here to
stay. Unemployment continues rising in most developed
countries.

Governments the world over are debasing their
currencies by lowering interest rates, and many have
resorted to “quantitative easing,” a fancy term that means
nothing more than printing money. As evidence, M2,
one measure of money supply, is up in all G7 countries,
which signals that tomorrow’s inflation is being baked in
the cake today.

And the U.S. government’s proposed 2010 budget calls
for a deficit of $1.75 trillion – but the real number is
actually more like $2.5 trillion, because that’s how much
they will have to borrow to get through the year. By the
end of 2010, U.S. debt is expected to exceed $14 trillion.
And how has gold responded to all of this? Between
January 2007 and January 2010, gold rose 75%, while
the S&P 500 fell 21% in the same period.
And for 2009, take a look at the chart above how gold
has fared against other major investment categories.
Gold’s long-term picture is even more dramatic. Since
January of 2000, when the price of gold bottomed at
$282.05 an ounce, it’s up 297% over the course of the
decade.

1001 Reasons to Own Gold

Pilihan terletak pada kita. Fikir dan buat rujukan dengan baik.
By Jeff Clark, Senior Editor, Casey’s Gold & Resource Report
Tracking the numerous ongoing bullish factors for gold is quite a chore. There are, quite literally, so many compelling arguments for holding our favorite metal that I used to catalog them each month in our letter.
The reason there are so many “reasons” is because gold is unlike any other asset. It...
- responds to its own supply and demand
- protects against short-sighted government actions and interventions
- is a bellwether of market sentiment and economic outlook
- protects against currency devaluation and inflation
- is global
- is one of the most beautiful metals ever found in the earth’s crust
- is a store of value
- is timeless
- is money

How many assets can you say have all those characteristics?
In spite of gold’s recent correction, the reasons haven’t decreased. In fact, the case for holding gold is stronger than ever. And over the past two weeks, a few “reasons” have surfaced that have fallen mostly under the radar. These, I believe, portend a higher gold price. In fact, it is catalysts like these that could end up in our children’s history books that, in retrospect, were obvious to see...
1. For the first time ever, China has invested in GLD, the gold exchange-traded fund. Their sovereign wealth fund, China Investment Corporation, recently invested $155 million in the ETF. The amount represents only 0.05% of the sovereign funds’ $300 billion, meaning there’s a lot more where that came from.
Those mainstream lemmings who predicted China was done buying gold now have to deal with the reality that this move more likely signals they are closer to the beginning – and not the end – of a long-term strategy to diversify into gold.
2. The Prime Minister's Office in India is creating a stream-lined process so that the country’s state-owned corporations can “aggressively pursue the acquisition of strategic mineral resources.” The Indian government, normally known for thick-layered bureaucracy, has created a centralized body that will have “rapid strategic and decision making powers.” This is telling, both from the perspective that they see some urgency to the matter, and that the acquisition targets are minerals.
Given the country’s historic propensity to own gold, it’s not a stretch to think the yellow metal will be high on the list of “strategic investments.” Recall their government purchased almost half the IMF gold for sale last year in one fell swoop.
The upshot? Don’t be surprised to soon hear of India following China’s lead of buying precious metal companies and resources.
3. “Iran is now a nuclear state,” declared President Ahmadinejad last week. The Islamic republic has produced its first batch of high-level enriched uranium, which they claim is solely for electricity purposes but can also be used to create material for atomic weapons if enriched to 90%. In response, the U.S. imposed new sanctions, and the U.N. is considering adding more of its own sanctions, too.
The West recently proposed that Iran export its uranium for enrichment and then have it returned as fuel rods for a reactor. Iran demanded changes to that plan, which were rejected, so claimed they had “no choice” but to start enriching to higher levels on their own. “God willing,” declared Ahmadinejad, “daily production will be tripled.”
I’m sure this will all just blow over, right?
4. The U.S. government must inflate. Here’s another reason we think that sooner or later inflation trumps deflation... by 2020, government economists project that entitlement benefits (Social Security, Medicare, etc.), along with interest payments on the national debt, will devour 80% of all federal revenues.
This assumes entitlement benefits don’t grow, which, of course, they are. The overall national debt, meanwhile, will rise to 100% of GDP within a few years, an alarming level by any measure. Even Moody’s warned that our credit status could lose its triple-A rating if the nation's finances don’t improve, an unheard-of prospect just a few years ago.
So, we’re abruptly fleeing our debt-adding habits, right? As you probably heard last month, Obama signed legislation that raised the cap on government debt from $12.4 trillion – already close to being breached – to $14.3 trillion to permit more borrowing. As Doug Casey has pointed out numerous times, this is the exact opposite of what the government should be doing and will have serious inflationary ramifications.
There’s only one way out: devalue the dollar to reduce the debt burden. And the direct result of that is a rising gold price. We may very well see another round of deflation, but the endgame is inflation.
What I would point out is that any one of these reasons would be sufficient for wanting to put some gold in your portfolio. It’s the cumulative effect that’s potentially scary, one that argues we should be overweight precious metals at this point in history. The reasons are numerous and, in my opinion, overwhelming.
Physical gold and select gold investments should be a cornerstone in everyone’s portfolio.
Article from:http://www.caseyresearch.com/editorial/3228?ppref=DLC064ED0210B