tag:blogger.com,1999:blog-78650138030877950582024-02-01T23:20:32.775-08:00Jual Beli Emas 999 916 TermurahUnknownnoreply@blogger.comBlogger3125tag:blogger.com,1999:blog-7865013803087795058.post-17915189463483375502014-03-01T20:22:00.000-08:002014-03-01T21:03:56.888-08:00Tips Penting Pajak Barang di Ar-Rahnu<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 15.2pt; mso-outline-level: 1;">
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Tips Asas Penting Pajak Emas di Ar-Rahnu<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Sebelum pajak emas, anda
perlu tahu duit pajak ialah <b>PINJAMAN</b> yang perlu dibayar balik. Kalau harga emas
naik, anda boleh buat overlaps. Dan overlaps adalah pertambahan hutang, bukan
“passive income” sebagaimana salah faham oleh sesetengah orang</span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">.Namun jika anda mampu mencapai tahap Manupulator Emas, mgkin anda mampu berterusan pajak dan jadikan side income dengan cara pajakan berkala. Namun akhir sekali emas dalam Ar-Rahnu akan dapat modal dan untung selagi anda pajak sampai lebam walaupun emas tersebut masih kekal didalam...sebelum dilelong sebab dah main overlaps sampai lebam, anda boleh lelong sendiri barang tersebut melalui kaedah jual surat pajak atau jualan rege tak masuk akal yang tetap akan buatkan anda untung... Bab ni nanti senang2 saya karang dan cerita yer..</span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> Sebelum memajak emas,
ini 9 tips penting yang anda perlu tahu:<o:p></o:p></span></div>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Pertama – Pilih ‘Timing’
Paling Sesuai<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Secara umumnya, masa
paling sesuai untuk pajak emas ialah bila (1) harga emas jatuh mendadak
(mungkin melebihi 8% – 10%) untuk dapatkan modal beli lagi emas pada harga
rendah, atau (2) nak guna duit untuk rolling bisnes yang menguntungkan. Kalau
sebab lain, saya tak syorkan melainkan anda dah kenalpasti sumber ‘pendapatan’
yang akan digunakan untuk tebus balik emas tu. Dan pantang larang paling
penting,</span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>jangan sesekali
gunakan duit pinjaman ar-rahnu untuk perbelanjaan hangus</b> </span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">atau
membeli barang yang susut nilainya macam nak tukar langsir baru atau nak beli
sport rim kereta! Kalau nak gunakan untuk perkara berbentuk selain daripada
‘investment’ atau ‘bisnes’, lebih baik jual terus emas tu atau bersiap sedia
emas tu dilelong!<o:p></o:p></span></div>
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<span style="color: #111111; font-family: Georgia, serif;"><span style="font-size: 14px;">(Teknik xmau bagi kena lelong, bayar upah simpan dan renew surat pajak atau hendaklah anda lelong sendiri secara online. Jadi sebelum masuk pajak tu pastikan snap picture barang tu siap2, customer bayar jer terus gi tebus barang dan beri padanya)-banyak lagi cara..nanti saya update kalau rajin. :p</span></span></div>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kedua – Pajak Mengikut
Modal Diperlukan Sahaja<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Margin pinjaman ar-rahnu biasanya sekitar 65% – 70%. Katakanlah
anda perlukan duit sekitar RM6,500, pajaklah emas yang bernilai sekitar
RM10,000. Tak perlulah pajak emas yang bernilai RM20,000 sebab nanti anda dapat
pinjaman berlebihan yang tak dimanfaatkan dan dikenakan kos “upah simpan” yang
tak sepatutnya. (saya cadangkan sekiranya diberi 65%, maka kita hanya ambil 50@55% sahaja. Ini kaedah "playsafe" yang saya dapat dari seorang manipulator. Sebabnya selepas cukup tempoh pajakan, kita tak punya wang untuk tebus, kita boleh overlaps. biasanya jika ada kejatuhan harga emas pun kita masih mampu untuk bayar kos upah dan seterusnya memanjangkan semula tempoh untuk menebus barang tersebut)<o:p></o:p></span></div>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Ketiga – Satu Emas, Satu
Surat Pajak<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kalau nak mudah tebus, pastikan satu emas, satu surat pajak.
Katakanlah anda pajak 3 utas rantai tangan, pastikan setiap rantai satu surat
pajak. Ia akan memudahkan anda untuk tebus satu persatu nanti. Kalau 3 rantai
tu anda buat satu surat pajak, anda kena tebus semua sekaligus!<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Tapi kekurangannya ialah anda terpaksa tunggu lama untuk
processing! Kalau 10 rantai tangan, mungkin 2 – 3 jam baru siap prosesnya sebab
anda dan pegawai ar-rahnu perlu isi & proses 10 borang! Prosesnya
seolah-olah anda membuka 10 akaun bank!<o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5NYthpv65wzEyPst3-eP_7qtNM5ksWiE6464MoVNrHaeJqDUCcKVAqrLS3rW4RNI9owNmmsFipEh2iQseK04b47-vu3WUKXU4bPfIM_6LpKrCxyjH2ozXa_sEFcCe-CF1QyFeCeoQpmQ/s1600/q.bmp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5NYthpv65wzEyPst3-eP_7qtNM5ksWiE6464MoVNrHaeJqDUCcKVAqrLS3rW4RNI9owNmmsFipEh2iQseK04b47-vu3WUKXU4bPfIM_6LpKrCxyjH2ozXa_sEFcCe-CF1QyFeCeoQpmQ/s1600/q.bmp" height="265" width="320" /></a></div>
<div align="center" class="MsoNormal" style="background: white; line-height: 16.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<i><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Kaedah yang paling biasa digunakan.Prosesnya lebih cepat, tak
perlu menunggu lama di ar-rahnu.</span></i><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAwI9fBiop4j2ke7LvOW1eDCRdZrlYnI2gvMescU3NuuIy2L2dUAQHwJPL6EkUGMoefmGvK5vNLvA7AQgMBtdOA7TIFcS3quTy2Ly_ESLQVR99qe46X97G7SBc6ovJH8SwxdSsnmVujRM/s1600/qq.bmp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAwI9fBiop4j2ke7LvOW1eDCRdZrlYnI2gvMescU3NuuIy2L2dUAQHwJPL6EkUGMoefmGvK5vNLvA7AQgMBtdOA7TIFcS3quTy2Ly_ESLQVR99qe46X97G7SBc6ovJH8SwxdSsnmVujRM/s1600/qq.bmp" height="203" width="320" /></a></div>
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<i style="line-height: 16.5pt;"><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><b>Kaedah yang memudahkan tebus satu persatu. (TERBAIK)</b></span></i></div>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Keempat – Survey Upah
Simpan Paling Rendah<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Setiap ar-rahnu mengenakan caj berbeza-beza dan cajnya juga
disemak dari semasa ke semasa. Jadi sebelum memajak emas, survey dulu ar-rahnu
mana yang kenakan caj paling rendah dengan margin pinjaman
paling tinggi. Saya tak boleh confirmkan yang mana ar-rahnu terbaik sebab
polisi setiap ar-rahnu sentiasa berubah-ubah.<o:p></o:p></span></div>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kelima – Asingkan Duit
Untuk Caj Pajakan<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Katakanlah anda dapat
pinjaman sebanyak RM7,800, dan caj pajakan (upah simpan) dikenakan sebanyak
RM504 (RM84 x 6 bulan). Saya syorkan asingkan siap-siap RM504 tu daripada
RM7,800. Maksudnya, anda hanya boleh gunakan RM7,296 (7,800 – 504) untuk beli
emas lagi ataupun rolling bisnes. Alasannya, kalau nak sambung pajakan nanti,
anda boleh pakai duit tu jer untuk bayar upah dan renew surat pajak especially
bila (1) anda belum dapat untung menggunakan duit pajakan pertama, ataupun (2)
harga emas belum naik untuk anda menikmati untung daripada teknik manipulasi ar-rahnu
bila harga emas jatuh mendadak.<o:p></o:p></span></div>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Keenam – Tebus Emas
Secepat Mungkin<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Biasanya ar-rahnu bagi tempoh pinjaman selama 6 bulan, tapi
kalau dah selesai urusniaga menggunakan duit pinjaman tu, terus tebus
cepat-cepat sebab caj biasanya dikenakan secara bulanan. Kalau sebulan dah
settle, terus tebus dan caj “upah simpan” dikenakan hanya untuk sebulan sahaja.
Jangan tunggu tempoh matang 6 bulan baru tebus. Anda dapat jimat duit dari
bayar kos “upah simpan” yang tak sepatutnya.<o:p></o:p></span></div>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Ketujuh – Jangan Pajak
Emas Berseal<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Jangan sesekali pajak emas berseal melainkan anda bersedia untuk
rugi 25%! Kalau anda buka seal, emas tu hanya boleh dijual semula sebagai “used
gold” dengan susut nilai sekitar 25%. Jadi kalau nak pajak, pastikan emas tu
bukan jenis berseal macam emas Public Gold, Kijang Emas, Dinar Kelantan, dan
barang kemas semestinya. Saya perhati, kebanyakkan emas yang jenis berseal
ialah emas yang datang dari luar negara.<o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFJxjHbkcu5de4f9RSA9nM8HufeZDtmFvCDV8ow8jA4dZ4DaFhJI6B8DxGH8Ld-gcwehJckD5mQRdtRCI5E8vs9nViJ4Jzjj5-V7cPCXC25FuJj9icMG330Sb7neXPqM25fxwZ9sqQuDQ/s1600/qqq.bmp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFJxjHbkcu5de4f9RSA9nM8HufeZDtmFvCDV8ow8jA4dZ4DaFhJI6B8DxGH8Ld-gcwehJckD5mQRdtRCI5E8vs9nViJ4Jzjj5-V7cPCXC25FuJj9icMG330Sb7neXPqM25fxwZ9sqQuDQ/s1600/qqq.bmp" height="164" width="320" /></a></div>
<div align="center" class="MsoNormal" style="background: white; line-height: 16.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<i><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Emas KFH dan Pamp Suisse antara emas yang berseal – tak sesuai
di pajak.</span></i><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kelapan – Jangan Beli
Emas Cara Ar-Rahnu 70:30<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kalau ada orang datang jual emas cara ar-rahnu, iaitu anda bayar
30%, dan 70% lagi dilangsaikan menggunakan duit pinjaman ar-rahnu, jangan telan
bulat-bulat janji ‘bulan dan bintang’ mereka. Study dulu betul-betul. Saya
perhati, teknik tersebut terbukti memerangkap ramai pelabur pada tahun 2012.
Yang confirm untung adalah penjual emas, bukan pelabur.<o:p></o:p></span></div>
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<span style="color: #2361a1; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes; text-decoration: none; text-underline: none;"><!--[if gte vml 1]><v:shape
id="Picture_x0020_5" o:spid="_x0000_i1026" type="#_x0000_t75" alt="tips fb pelaburan emas public gold"
href="http://www.mohdzulkifli.com/wp-content/uploads/2013/03/tips-fb-pelaburan-emas-public-gold.png"
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o:title="tips fb pelaburan emas public gold"/>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Saya pernah consult seorang bakal pelabur emas yang sangat
excited untuk skim belian begitu sebab katanya, dia boleh dapat RM10,000,000
dalam masa 5 tahun hanya bermodalkan RM20,000! Rupa-rupanya, penjual emas tu
cuma cerita separuh jalan jer dan bila saya habiskan cerita separuh jalan lagi,
baru dia tahu ‘plan’ penjual tu sebenarnya tak praktikal!<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Dulu kawan Ofis di Langkawi pernah cerita tentang syarikat SE yang menawarkan sistem ini..selepas dijelaskan baru dia faham dan bersyukur kerana tidak terjebak. SE ini hanya menceritakan tentang keuntungan yang bakal diterima sekiranya harga emas naik dan tidak pernah menerangkan risiko sekiranya harga emas menjunam dalam masa yang lama. contoh saya bagi : Harga emas rm100/g.. kita beli 1kg dengan harga 100,000. kita hanya perlu bayar 30,000 dan baki 70,000 melalui pinjaman Ar rahnu. maksudnya kita yang perlu langsaikan...tak temasuk upah simpan lagi..akhir sekali kita tak mampu nak overlaps dan barang tergadai.. yang untungnya adalah penjual...</span></div>
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<span style="color: #2361a1; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes; text-decoration: none; text-underline: none;"><!--[if gte vml 1]><v:shape
id="Picture_x0020_6" o:spid="_x0000_i1025" type="#_x0000_t75" alt="Mangsa Serambi Emas"
href="http://www.mohdzulkifli.com/wp-content/uploads/2013/03/Mangsa-Serambi-Emas.png"
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o:title="Mangsa Serambi Emas"/>
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<b><span style="color: #0a0ac7; font-family: "Georgia","serif"; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kesembilan – Jaga Nama Baik
Dalam Rekod CCRIS BNM<o:p></o:p></span></b></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Untuk makluman anda,</span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>walaupun ar-rahnu ialah pinjaman bercagar, ia tetap
direkodkan dalam CCRIS</b> </span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">(</span><a href="http://creditbureau.bnm.gov.my/index.php?lang=bm&ch=14&pg=27&ac=15"><span style="color: #2361a1; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Central Credit Reference Information System</span></a><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">) Bank
Negara sejak akhir tahun 2010. Maksudnya, kalau anda nak buat apa-apa pinjaman
selepas ini daripada mana-mana bank, mereka akan semak rekod CCRIS anda
termasuk pinjaman ar-rahnu. Kalau anda ada 1 surat pajak, ia akan ‘appear’
sebagai 1 rekod. Kalau 10 surat pajak, 10 rekod!Jadi, pinjaman di ar-rahnu
wajib diuruskan dengan baik.</span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>Jangan sampai
emas tu tergadai sebab ia akan meninggal rekod buruk bila anda nak buat
pinjaman lain nanti.</b> </span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Dan kalau nak buat loan baru dengan bank lain,
explain awal-awal pada staff yang in-charge sebab takut mereka anggap anda
banyak komitmen hutang.<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Kalau anda pajak di Ar-Rahnu YapeiM, insyaAllah tak ada rekod dengan Bank Negara sebab YApeim bukan Bank. saya biasa suka pajak di YApiem...</span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">So, itulah 9 tips penting sebelum anda memajak emas di ar-rahnu.
Plan betul-betul, dan pastikan anda pajak emas dengan STRATEGI yang betul.
Jangan main pajak jer sebab dah terbukti ramai orang terperangkap dengan
“teknik ar-rahnu” gara-gara nak “untung secupak”, tapi akhir sekali terpaksa
rugi “segantang”! sapa yang ada masalah dengan pajakan dan barang dah nak kena lelong, boleh jual surat pajak kepada saya :)<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Wallahu a’lam.<o:p></o:p></span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7865013803087795058.post-43272273870666416382013-10-13T21:17:00.000-07:002013-10-13T21:17:57.363-07:00Nak Beli Emas, Tapi Modal Kecil<div align="center" class="MsoNormal" style="background: white; margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 15.2pt; mso-outline-level: 1; text-align: center;">
<b><i>by Ridzuan Saidin on 14/10/2013</i></b></div>
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<b><span style="font-family: "Times New Roman","serif"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></b></div>
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<b><span style="font-family: "Times New Roman","serif"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Untung 20% setahun dari pelaburan
dah sangat teruja. Tapi untung 200% setahun bagi orang berniaga adalah
terlalu biasa…<o:p></o:p></span></b></div>
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<i><span style="color: #111111; font-family: "Georgia","serif"; mso-fareast-font-family: "Times New Roman";">Salam.</span></i><span style="color: #111111; font-family: "Georgia","serif"; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<i><span style="color: #111111; font-family: "Georgia","serif"; mso-fareast-font-family: "Times New Roman";">Encik, saya baru
terbaca entry encik dan mmg saya sangat berminat nak buat simpanan dalam bentuk
emas. Masalahnya saya takde simpanan sbb duit saya kadang-kadang buat backup
utk suami, heheh. Suami suggest saya buat ASB tapi saya tak yakin dengan ASB
sbb apa yang saya baca dari zaharuddin.net, dia tak menggalakkan ASB.<o:p></o:p></span></i></div>
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<i><span style="color: #111111; font-family: "Georgia","serif"; mso-fareast-font-family: "Times New Roman";">Jadi, saya ada seribu,
nak buat pelaburan emas, dan encik menjadi ejen, boleh kiranya membantu saya
membuat pelaburan untuk bagi advice dan guidance. Saya baru nak start saving.
Saya ada hutang PTPTN dan memang saya aim nak habiskan PTPN saya. Saya bayar
bulan-bulan RM200. Hutang-hutang lain tiada.</span></i><span style="color: #111111; font-family: "Georgia","serif"; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<i><span style="color: #111111; font-family: "Georgia","serif"; mso-fareast-font-family: "Times New Roman";">Saya pun baru ambik
takaful medical card, PRU BSN. Mohon bagi nasihat untuk saya buat simpanan emas
sebagai saving.</span></i><span style="color: #111111; font-family: "Georgia","serif"; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<i><span style="color: #111111; font-family: "Georgia","serif"; mso-fareast-font-family: "Times New Roman";">Terima kasih encik.</span></i><span style="color: #111111; font-family: "Georgia","serif"; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<i><span style="color: #111111; font-family: "Georgia","serif"; mso-fareast-font-family: "Times New Roman";">-Puan A-</span></i><span style="color: #111111; font-family: "Georgia","serif"; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<i><span style="color: #111111; font-family: "Georgia","serif"; mso-fareast-font-family: "Times New Roman";">012-614 xxxx</span></i><span style="color: #111111; font-family: "Georgia","serif"; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<i><span style="color: #111111; font-family: "Georgia","serif"; mso-fareast-font-family: "Times New Roman";">(bukan nama sebenar)<o:p></o:p></span></i></div>
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<br /></div>
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<b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">JAWAPAN SAYA:</span></b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAfBLQ79cpdpRA5O1YjdC8FoWLTXsvNI6PUoQECv79riXGIarkZZNnvebOtO-QZYe8E96h4L5yrtv69s93gI1oS4cgdN_HFDxR3t3htP-yo2hGGgvV30OfBId-7WgpN9ataXUbuszv630/s1600/cc.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAfBLQ79cpdpRA5O1YjdC8FoWLTXsvNI6PUoQECv79riXGIarkZZNnvebOtO-QZYe8E96h4L5yrtv69s93gI1oS4cgdN_HFDxR3t3htP-yo2hGGgvV30OfBId-7WgpN9ataXUbuszv630/s200/cc.JPG" width="200" /></a><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Wa’alaikumussalam Pn. A.<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Alhamdulillah.. bagus tu Pn. A nak mulakan simpanan.</span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>Menyimpan,
adalah TABIAT orang kaya-kaya di dunia. Tak kisah berapa pun amaunnya, tapi
yang penting kena jadikan ia sebagai tabiat (habit).<o:p></o:p></b></span></div>
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<br /></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Waktu tahun 2007 dulu, saya cuma menyimpan RM20 jer sebulan.
Saya buat potongan gaji masuk ke akaun Tabung Haji. Tapi hari ni,
alhamdulillah… simpanan kami sekeluarga dah berlipat kali ganda.<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Sebelum saya bagi saranan, saya mohon maaf sebab saya bukanlah
orang yang layak untuk bagi nasihat kewangan. Saya cuma seorang sahabat yang
inginkan kebaikan pada sahabat yang lain. Apa sahaja saranan saya, ia mungkin
tak tepat, tapi itulah yang saya rasa yang terbaik untuk saya dan
sahabat-sahabat.<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
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<b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Emas Pelaburan Jangka Panjang</span></b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #111111; font-family: Wingdings; font-size: 10.0pt; mso-bidi-font-family: Wingdings; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: Wingdings;">§<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">PERTAMA. Emas adalah
simpanan JANGKA PANJANG. Paling minimum ialah setahun. Kalau nak beli emas,
kena guna duit yang agak-gak tak pakai dalam masa setahun, ataupun 2, 3 tahun
akan datang.</span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><a href="" name="more"></a><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Harga Emas Ada Turun Naik</span></b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #111111; font-family: Wingdings; font-size: 10.0pt; mso-bidi-font-family: Wingdings; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: Wingdings;">§<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">KEDUA. Harga emas ada
turun naiknya. Tapi kalau ikut track record, ianya sentiasa menaik dalam jangka
panjang. Dari sudut sunnatullah, tak ada benda yang sentiasa naik dan tak
jatuh-jatuh. Suatu masa nanti saya fikir harga emas akan jatuh juga seperti
tahun 1980an. Walaupun begitu, emas adalah simpanan paling selamat sebab emas
sentiasa berharga sepanjang zaman. Kalau ianya jatuh, bukan macam jatuhnya
harga saham yang boleh hilang terus nilainya.</span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>Emas sepatutnya boleh dijadikan
SEBAHAGIAN dari pelaburan, bukan 100% simpanan digunakan untuk membeli emas.</b></span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Adakan Dana Kecemasan Dulu</span></b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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emas, ada baiknya puan adakan dana lain juga untuk waktu-waktu kecemasan. Untuk
Dana kecemasan, saya simpan di Tabung Haji.<o:p></o:p></span></div>
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<b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Beli Emas Dengan Modal RM1,000</span></b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #111111; font-family: Wingdings; font-size: 10.0pt; mso-bidi-font-family: Wingdings; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: Wingdings;">§<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">KEEMPAT. Untuk modal
RM1,000, puan boleh beli 1 dinar emas (2013 bajet harga sekitar RM700) dan
selebihnya boleh beli Dirham (logam perak). Untuk makluman Pn. A,</span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>harga logam
perak jauh lebih murah, tetapi kenaikannya jauh lebih cepat dari emas. </b></span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Dalam masa setahun
yang lepas, harga logam perak naik melebihi 100% setahun! Dan orang Cina lebih
suka beli perak berbanding emas. Cuma kekurangan perak ialah, tak boleh
dipajak. Kecairannya kurang sikit dari emas.<o:p></o:p></span></div>
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<b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Wang Dinar , Gold Bar & Barang Perhiasan</span></b></div>
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<!--[if !supportLists]--><span style="color: #111111; font-family: Wingdings; font-size: 10.0pt; mso-bidi-font-family: Wingdings; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: Wingdings;">§<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">KELIMA. Pada saya,
Dinar emas yang paling baik untuk Pn. A beli ialah Dinar Public Gold, ataupun
Dinar Kelantan. Dua jenis dinar emas ini mempunyai permintaan paling tinggi di
Malaysia. Pendek kata, kalau puan nak jual nanti, tak perlu risau pasal
pembelinya. Mesti akan ada orang nak beli. insyaAllah. Tapi bagi saya, saya
lebih selesa membeli sebentuk cincin setiap bulan (pastikan 916/999). Emas
bentuk perhiasan ini lebih mudah dicairkan atau di ar rahnukan sekiranya kita
perlukan wang segera di mana sahaja institusi yang menawarkan perkhidmatan
Ar-Rahnu. Manakala public gold dan dinar Kelantan pula hanya diterima oleh sebahagian
Ar Rahnu sahaja..<o:p></o:p></span></div>
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<b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Pelaburan Untung 20%, Perniagaan Untung 200%!</span></b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #111111; font-family: Wingdings; font-size: 10.0pt; mso-bidi-font-family: Wingdings; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: Wingdings;">§<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">KEENAM. Yang terakhir,
tentang pelaburan sebagai instrument buat duit. Pada saya, pelaburan bukanlah
jalan terbaik untuk buat duit bagi orang kebanyakkan. Pelaburan adalah tempat
orang kaya-kaya buat duit.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #111111; font-family: Wingdings; font-size: 10.0pt; mso-bidi-font-family: Wingdings; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: Wingdings;">§<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Untuk buat duit lebih
banyak, saya cadangkan puan dan suami libatkan diri dengan perniagaan. Kalau
pelaburan orang boleh dapat sekitar 20% setahun, tapi </span><b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">keuntungan melalui
perniagaan, pulangan 200% setahun adalah terlalu biasa.</span></b><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Sebab tu Nabi pesan,
9/10 rezeki datang dari perniagaan. Emas bagi kebanyakkan orang adalah
simpanan, tapi bagi kami suami isteri, ia adalah PELABURAN + PERNIAGAAN. Dan
emas adalah salah satu daripada beberapa perniagaan kami.<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Saya cadangkan libatkan diri dengan bisnes tu sebab saya
‘kesian’ tengok orang MENUNGGU kenaikan harga emas yang tak lah berapa banyak
bagi orang berniaga. Dengan modal yang sama, Puan dan Suami boleh dapatkan
lebih dari 20% setahun. Syaratnya, puan dan suami perlu belajar berniaga dari orang
yang tahu berniaga. Bukan melibatkan diri dalam mana-mana skim.<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Kalau Puan A berminat nak dapatkan emas dan perak, bagi tahu
saya. Saya akan bantu apa termampu, insyaAllah.<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Mudah-mudahan pandangan saya sedikit membantu Pn. A, insyaAllah,<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Wallahu a’lam.<br />
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Hubungi saya Ustaz Mohd Ridzuan Bin Saidin<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">Whatsapp / viber / sms : 0122686864<o:p></o:p></span></div>
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<span style="color: #111111; font-family: "Georgia","serif"; font-size: 12.0pt; mso-bidi-font-size: 17.0pt; mso-fareast-font-family: "Times New Roman";">fb : Ridzuan Saidin</span></div>
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<span style="line-height: 115%;"><span style="font-size: x-small;"> * penerangan ini sebahagian pendapat yg saya copy dari pakar emas..Encik Zul....</span></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7865013803087795058.post-90451647119793042552013-10-09T17:40:00.003-07:002013-10-09T17:40:50.171-07:00Bila Masa Terbaik Membeli Emas??<div class="MsoNormal" style="background: white; margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 15.2pt; mso-outline-level: 1;">
<i style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 21.6pt;"><span style="color: #888888;">by</span></i><span style="font-family: Georgia, Times New Roman, serif; font-size: xx-small;"><i style="line-height: 21.6pt;"><span style="color: #888888;"> </span></i><span style="color: #888888; letter-spacing: 0.75pt; line-height: 21.6pt; text-transform: uppercase;"><a href="http://www.mohdzulkifli.com/author/ibnushafie"><span style="color: #888888; text-decoration: none; text-underline: none;">MOHD </span></a>ridzuan bin saidin</span><i style="line-height: 21.6pt;"><span style="color: #888888;"> </span></i><i style="line-height: 21.6pt;"><span style="color: #888888;">on</span></i><i style="line-height: 21.6pt;"><span style="color: #888888;"> OKTOBER</span></i><i style="line-height: 21.6pt;"><span style="color: #888888;"> 10, 2013</span></i></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJqggCWkeeooRGk5xXb8adNmUpJ3Zz2ksPFCLxeNiXVMrv3KTXdXu0An3ErLzNwMismiptLKtnNTtkVr9hAsM3Nt1CZmdpB1JYM98rRpIIiWtWIBdquLY-qY5V978PNogZE5H7zeh1BeA/s1600/goldbar+pict.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJqggCWkeeooRGk5xXb8adNmUpJ3Zz2ksPFCLxeNiXVMrv3KTXdXu0An3ErLzNwMismiptLKtnNTtkVr9hAsM3Nt1CZmdpB1JYM98rRpIIiWtWIBdquLY-qY5V978PNogZE5H7zeh1BeA/s200/goldbar+pict.jpg" width="200" /></a></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #111111;">Masa emas 20 gram
harga RM3,000 (sekitar mei 2013) takut nak beli, tapi bila harga dah
melepasi RM3,400, baru kelam kabut nak beli. Itulah yang saya perhati
kebanyakkan sikap yang orang kita terutamanya yang baru ada asas tentang
pendedahan emas dan baru nak berjinak-jinak dengan emas. Nak tengok bukti harga
emas naik dulu, baru nak beli malah ada yang sengaja nak tunggu harga emas
jatuh la baru nak beli…Aduhai…berbuih mulut dah pesan, kalau nak main emas,
beli ajer bila ada duit…. Padahal, gold historical price kita boleh cek
bila-bila masa di</span><span style="color: #111111;"> </span><span style="color: #111111;"><a href="http://www.kitco.com/"><span style="color: #2361a1; mso-bidi-font-size: 11.0pt;">www.kitco.com</span></a>.(Ni harga emas mentah dunia) kalau tak salah. Bahkan sejarah harga emas sejak 30 tahun lepas pun boleh tengok. Itulah dia
buktinya.<o:p></o:p></span></span></div>
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<span style="color: #111111;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Dan ramai juga bila
saya cerita pasal emas, mereka ingat saya nak berniaga, nak ambik untung atas
kawan semata-mata. Padahal, itu semua untuk kebaikan dia. <i><b>Tak nak beli dengan saya pun tak
apa, beli lah dengan dealer lain</b></i>. Tapi ambik la masa sikit untuk fahami
pentingnya simpan emas. Kalau tak penting, Kerajaan Kelantan tak akan keluarkan
dinar emas pertama di Malaysia walaupun dapat banyak tentangan daripada
kerajaan BN sejak tahun 2006 lagi. (maaf bukan nak promote kerajaan bawah Pas
Or Pembangkang) ini pendedahan ilmiah..Tun M dulu pun pernah borong emas kalau
tak silap saya untuk stabilkan ekonomi suatu masa dulu…<o:p></o:p></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b><span style="color: #111111;">Akibat Tunggu Harga Paling Rendah</span></b><span style="color: #111111;"><o:p></o:p></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><a href="" name="more"></a><span style="color: #111111;">Keduanya, yang paling ramai ialah yang nak tunggu harga emas
jatuh baru nak beli! Ramai yang pesan pada saya “Nanti harga emas turun bagi
tahu yer..”. Tapi bila harga emas turun, ramai yang tak nak beli emas sebab
takut turun lagi. Akhir sekali, masa emas sedang mendaki macam tu dalam jan 2013 (contoh harga pasaran barang kemas Jan 2013, harga emas melebihi 170/g (agak tinggi kenaikannya
berbanding selepas penurunan sekitar mei 2013 hingga 120/g), baru ramai
kelam-kabut nak beli emas, sebab takut emas naik lagi, tapi andai ditanya
berapa orang yang beli emas semasa emas murah/turun hari tu?? Semua tunduk
membisu..beli pun idak juga….sekarang pada hari ni 10 Oktober 2013 harga emas dalam keadaan tak menentu dan agak murah dalam lingkungan rm140 lebih per gram dan harga kilang pada hari ni sekitar RM133-rm135 sahaja. tapi tu pun masih ramai tak beli. yang banyaknya alasan....xmau beli sudah.. :)<o:p></o:p></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #111111;">Saya pu masih baru dalam sebulan dua jadi
dealer emas ni, siang malam study bab ilmu emas ni, kalau lah ilmu ini saya
dapat 5tahun sebelum ini, mungkin hari ini dah jutawan…tp xpa..ada hikmahnya…</span></span></div>
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<span style="color: #111111;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">kalau orang tanya saya
bila masa terbaik beli emas? Jawab saya, bila ada duit yang tak pakai dalam
masa setahun. Daripada duit tu terbiar dimakan inflasi 10% setahun, lebih baik
simpan emas yang purata kenaikannya 20% setahun.<o:p></o:p></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b><span style="color: #111111;">Jangan tunggu harga paling rendah sebab technical analyst paling
pakar pun tak dapat buat ramalan tepat turun naiknya harga emas.</span></b><span style="color: #111111;"> </span><span style="color: #111111;">Guru saya pernah ada pengalaman dah. Ceritanya
: “Masa harga emas turun pada Januari 2011 (Hari Raya Cina), saya jual semua
emas saya sebab menurut pakar analisis harga emas, emas akan turun banyak lagi.
Masa tu, harga gold bar 20g RM2,980. So, saya jual kesemuanya sekitar RM2,980 –
RM3,000. Habis…<o:p></o:p></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b><span style="color: #111111;">Faktor ‘Fundamental’ Tak Siapa Boleh Jangka</span></b><span style="color: #111111;"><o:p></o:p></span></span></div>
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<span style="color: #111111;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Lepas raya Cina,
berlaku pergolakan di Mesir dan Timur Tengah! Harga emas tak jadi turun. Ia terus,
naik, naik, dan naik! Saya pun panik, dan dapat beli balik pada harga
RM3,100. Saya rugi 4% (RM800 kesemuanya)! Saya terkena. Kononnya nak
manipulate naik turun harga emas, tapi rugi… Nasib baik saya adalah dealer
emas, kerugian tu dapat cover balik dengan komisyen jualan emas.<o:p></o:p></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #111111;">Satu pelajaran yang
saya dapat.</span><span style="color: #111111;"> <b>Jangan bermain dengan turun naik harga emas sebabnya
analisis teknikal akan tersasar bila berlaku fundamental factor yang luar
jangka</b> </span><span style="color: #111111;">seperti pergolakan
Mesir dan timur tengah (Februari 2011), bencana alam seperti tsunami dan
letupan stesen janakuasa nuklear di Fukushima (Jepun, Mac 2011) dsb. Bila
semua tu berlaku, orang akan selamatkan kekayaan mereka dengan membeli
emas dan harga emas akan melambung. Saya cuma perlu yakin, harga emas akan
naik dalam jangka panjang. Paling kurang pun, 10 tahun lagi. Ini berdasarkan
sejarah harga emas 1960 – 1980.<o:p></o:p></span></span></div>
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<span style="color: #111111;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Dan faktor yang sangat
pasti, matawang USD semakin lemah disebabkan krisis hutang Amerika Syarikat dan
Negara Eropah. Bila negara-negara tu ‘bangkrap’, orang tak nak pakai dah duit
kertas USD! Orang akan selamatkan kekayaan mereka kepada duit yang paling
stabil dalam sejarah manusia iaitu emas!<o:p></o:p></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Menurut pakar, mawatang US Dollar
pasti runtuh. Cuma masa sahaja yang menentukannya.<o:p></o:p></span></div>
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<b style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 18.85pt;"><span style="color: #111111;">Masa Terbaik Membeli Emas</span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjjPSMe16Tl3gvLVHUtvV0zwWpUA_LBjRRZUL1HoDYAHCSlgXCaF31TUP9vM18X6JX3p0B5HOz-alcyPK0AVt6quWnAagB5sy1xdpaWCDfdwFWNHU-m3f6BiA30c_AKBwDEEw3lxvtjPo/s1600/qqq.jpg" imageanchor="1" style="clear: left; display: inline !important; float: left; line-height: 18.85pt; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjjPSMe16Tl3gvLVHUtvV0zwWpUA_LBjRRZUL1HoDYAHCSlgXCaF31TUP9vM18X6JX3p0B5HOz-alcyPK0AVt6quWnAagB5sy1xdpaWCDfdwFWNHU-m3f6BiA30c_AKBwDEEw3lxvtjPo/s200/qqq.jpg" width="150" /></a><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #111111;">So, lepas setahun
perhati naik jatuh harga emas, saya tak berani buat andaian bila harga naik,
bila harga turun.</span><span style="color: #111111;"> <b>Nasihat saya, kalau ada duit yang tak pakai dalam masa
setahun, belilah emas. Daripada simpan duit, lebih baik simpan emas.</b> </span><span style="color: #111111;">Jadikan emas sebagai sandaran kepada duit
sebagaimana yang dibuat oleh negara-negara di dunia sebelum tahun 1971 dulu.
Setiap duit kertas yang nak dicetak, mereka akan sandarkan kepada emas.<o:p></o:p></span></span></div>
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<span style="color: #111111;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Wallahu a’lam.<o:p></o:p></span></span></div>
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<br /></div>
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<span style="color: #111111;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">MOHD RIDZUAN BIN
SAIDIN<o:p></o:p></span></span></div>
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<span style="color: #111111;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">PM/VIVER/WHATSAPP/SMS
SAYA:<o:p></o:p></span></span></div>
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<span style="color: #111111;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">0122686864.<o:p></o:p></span></span></div>
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