Koleksi Emas ~ Dinar Kelantan

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Crashing Gold & Silver

Crashing Gold and Silver

A recent article about gold demonstrated that in their Wall Street orientation they simply don’t understand much about gold.

“A fortnight ago gold recorded its worst week since 1983. Skeptics are now questioning gold’s credentials as one of the few shelters from financial storms. Some investors have begun to worry about whether this is the end of gold’s spectacular surge.”

September was the worst month for gold since Lehman Brothers collapsed in October 2008.

How come? The banking crisis and the threat of government default should have been good for gold, right? Old habits die hard, so when the stock market began to crash, people fled to cash.

If you bought silver or gold in August, you were hurt in September. But you buy silver not only as an investment but also as insurance against inflation. You wouldn’t cancel your insurance policy in the middle of a hurricane, and you shouldn’t sell silver when it takes a tumble. Like any insurance, silver’s value will pay out over time, not day by day.

People buy gold either as an alternative to the dollar as a store of value or as blanket coverage against all the world’s ills.

When I worked as a stock broker many years ago, I learned that the way to make money in the investment world was to buy low and sell high.
Gold and silver are both important indicators.  Silver has been down even worse than gold percentagewise in the last couple of weeks giving us another opportunity to buy.

I recently received a call from a financial show in Texas. They asked me if I was turning sour on the metals because they had taken a big nose dive. My answer was NO! This is simply an opportunity. If you are supposed to buy low and sell high, how can you buy low unless it is in disfavor?

I believe gold and silver will come back big time. Gold is not a general hedge against calamity; it is a hedge against the loss of the purchasing power of paper money. It’s the opposite of paper.

Paper money is still a means of exchange, but it is no longer a store of value. Gold and silver are stores of value and I believe they will again become a means of exchange.

Don’t panic, but look at these gyrations as real opportunities. Gird up your loins and start buying silver as long as it is depressed. Down the road you will brag about how smart you were.

I remember a time that I panicked back in the ‘70s when Jimmy Carter announced that they would sell gold from Fort Knox to drive down the price of gold to strengthen the perception and integrity of the distressed financial system. Gold plummeted about $300 an ounce. I panicked and sold. Gold not only recovered but went on to new highs. I missed a substantial part of that move.

It scared me then, but it does not scare me now. It is an opportunity, so take advantage of it. Percentagewise silver will outperform gold. S

I can’t promise that silver will go up in a straight line, or even repeat its terrific gains of the last couple of years. But the worse price inflation gets, the better silver will do.

By Howard Ruff
The Ruff Times

*****

Howard J. Ruff, the legendary author and financial advisor, is the author of the 1978 mega best seller, How to Prosper During the Coming Bad Years, which still the biggest-selling financial book in history, with 2.6 million copies in print. He is founder and editor of The Ruff Times financial newsletter. The newsletter is much more comprehensive and deals with a broad spectrum of middle-class financial issues and includes an Investment Menu from which you can build your portfolio. (You can learn about it here). The Ruff Times has served more than 600,000 subscribers – more than any financial-advisory newsletter in the world. You can get Howard’s current book, How to Prosper In the Age of Obamanomics free when you subscribe to The Ruff Times (www.rufftimes.com), or if you buy the book at your favorite bookstore, you can deduct $10 from the subscription price.

Good Gains From Gold

Gold seen peaking at $1,900/oz in next 6 months - GFMS

By Siddesh Mayenkar
MUMBAI | Thu Aug 18, 2011 9:34pm IST


(Reuters) - Gold could hit $1,900 an ounce in the next six months, driven by buyers seeking an investment safe from global economic problems, but a further rise to $2,000 looks unlikely, metals consultancy GFMS said on Thursday.


"Gold will be muddling through to peak at $1,900 (an ounce) as U.S. data points have been ambiguous, the action on the fiscal and monetary front is also ambiguous," said Paul Walker, global head of precious metals at GFMS, which has been acquired by Thomson Reuters.


Gold extended record highs above $1,825 an ounce on Thursday after poorly received U.S. jobs data hurt assets seen as higher risk, such as stocks, while boosting interest in nominal safe havens such as gold.


So far in August, the price has risen by more than 12 percent, putting it on track for its biggest monthly gain since November 2009.


"In the time frame, we really need exceptionally dramatic news to push gold above $2,000 and this is not our base case," said Walker. "This is highly unlikely."


Although gold remains off its inflation-adjusted peak above $2,000 struck in 1980, it is one of the top performing assets this year, up by over 28 percent versus a 15-percent loss in U.S. blue-chip stocks or a 7.7-percent decline in the price of copper.


He said there was a high probability of India's gold imports crossing 1,000 tonnes this year -- up four percent on 2010 -- as expectations were for prices to gain further.


The World Gold Council in a report on Thursday said Indian gold jewellery buying was up 17 percent in the second quarter and that signs of strength in the market remained.


Gold imports by MMTC, India's second biggest importer of the metal, have tumbled to 5 tonnes so far in August as buyers preferred a 'wait-and-watch' approach. Walker said consumers would wait for price stability before jumping in.


"People are getting accustomed to this kind of a benchmark (price) even though it is at incredibly elevated levels. Everybody who is involved in the value chain in the Indian gold market thinks prices will go up," said Walker, ahead of a conference in Kerala.


Silver prices could extend gains to $50 an ounce in the next months from around $40.60 an ounce now, he added.


"It will follow gold up ... It will move towards $50, but it is going to be a hell of a lot more volatile," said Walker.


Silver prices have more than trebled since 2008 to peak at $49.51 an ounce this year.


"Silver will benefit from the same factors as that of gold from rising investment drivers. Until the global macro situation gets clearer, prices will go higher," he said.


(Editing by Anthony Barker)
Source: http://in.reuters.com/article/2011/08/18/idINIndia-58854820110818

Permintaan kukuh pengguna serta pelabur global menjelang 2014

Sedikit berita baik untuk penggemar-penggemar emas. Harini dalam akhbar-akhbar utama memaparkan berita2 berkenaan jangkaan kenaikkan harga emas menjelang tahun 2014. Jom kita tengok apa yang dibincangkan dalam akhbar tersebut

Harga emas RM202.57 segram

Oleh Mahanum Abdul Aziz

Permintaan kukuh pengguna serta pelabur global menjelang 2014

HARGA emas dijangka meneruskan aliran meningkatnya sehingga mencecah AS$2,100 seaun atau AS$67.5 (RM202.57) segram menjelang 2014, meningkat 33 peratus berbanding harga semasa AS$1,527.2 (RM) atau AS$49.1 (RM147.32) segram susulan permintaan kukuh pengguna serta pelabur global.

Ketua Strategi Pelaburan Standard Chartered Bank (Stanchart), Steve Brice, berkata menjelang awal tahun depan, harga emas dijangka meningkat melepasi paras AS$1,600 seaun atau AS$51.4 (RM157.34) segram, 4.3 peratus lebih tinggi berbanding harga semasa.
Brice menjelaskan, terdapat kaitan ketara antara pendapatan isi rumah di China dan India dengan harga emas berikutan peningkatan pendapatan boleh guna di dua negara pembeli emas utama dunia itu yang mana akan menggalakkan permintaan logam berharga berkenaan.

Kumpulan perbankan universal yang memiliki lebih 1,700 cawangan di seluruh dunia itu, menjangkakan ekonomi China dan India akan terus mencatatkan pertumbuhan mantap, sekali gus melonjakkan pendapatan boleh guna rakyat di negara berkenaan.

“Permintaan emas dijangka terus meningkat kerana pelabur melihat komoditi itu sebagai pelaburan lindung nilai,” katanya pada taklimat media mengenai jangkaan pelaburan pada separuh kedua tahun ini di Kuala Lumpur semalam.

Selain itu, Brice berkata, kebimbangan terhadap pemulihan ekonomi Amerika Syarikat (AS) juga menyebabkan bank pusat di seluruh dunia meningkatkan rizab emas masing-masing, justeru menyokong harga komoditi itu terus didagangkan pada harga tinggi.

Sementara itu, tambah beliau, keadaan kadar faedah benar yang masih negatif di AS menawarkan persekitaran yang baik untuk emas.
“Sejarah membuktikan pulangan dalam pelaburan emas sangat tinggi ketika kadar faedah sebenar adalah negatif,” katanya.

Bekalan emas juga, katanya, dijangka mengalami kekangan dalam tempoh terdekat dan ia akan terus menyokong kenaikan harga komoditi itu.

“Kita jangkakan harga emas akan mencecah AS$2,100 pada 2014 dan AS$1,600 pada suku pertama 2012,” katanya.

Pada suku keempat tahun lalu, permintaan barang kemas di India dan China masing-masing meningkat sebanyak 52.8 peratus dan 31.9 peratus berbanding tahun sebelumnya.

Secara keseluruhan, permintaan barangan perhiasan emas global meningkat 8.5 peratus pada suku keempat lalu atau 575.2 tan berbanding tahun sebelumnya.

Pada akhir tahun lalu, harga emas ditutup pada AS$1,421.40 seauns, naik kira-kira 31 peratus berbanding 2009 didorong permintaan berterusan dari China dan jangkaan spekulator bahawa mereka akan meraih untung lebih daripadanya.

Mengenai pasaran saham Malaysia, Brice berkata, pihaknya amat positif dengan prestasi saham tempatan dalam tempoh terdekat kerana kebiasaannya pasaran saham akan mencatatkan prestasi yang baik pada Julai dan Ogos.

Beliau berkata, dengan jangkaan bahawa ekonomi global akan mencatatkan pemulihan pada separuh kedua tahun ini akan menyokong prestasi pasaran saham.

Sumber: Berita Harian

PBB Beri Amaran Krisis Dolar Amerika

Gold, Silver, Oil Will Spike To New Highs If US-UK Attack Libya

Mar. 1 2011 - 2:58 pm

You can’t keep precious metals down when the globe is agog over violent political change, the freezing of dictators’ assets in the US and Switzerland– and deep anxiety over the price of oil.

Gold and silver, led by crude oil, will spike if talks between the US and UK for joint military action in Libya take root. This threat to the Libyan oil fields and to peace in the region would have an immediate impact in commodity markets.

Remember 1980 with our hostages in Iran; gold rose to $800 an ounce (there was double-digit inflation– at least 5 times the rate today) and silver to $50 (the Hunts idiotically tried to corner the market)

We are not that far from the peak in gold- $1440 an ounce. Just another $10 an ounce spike is half the $20 an ounce we made up today so far. We are at a 30 year peak for silver, which has been acting even more positively than gold.

I don’t think this is the Bernanke market, as he made it clear today that inflation is just the 2% he wants, and that’s despite the horrific run-up in food prices. And he’s beaten off deflation with QE2. No knee-jerk connection between Bernanke and precious metals.

The connection for gold and silver is geo-political. My new rule of thumb for gold and silver; the more uprisings that lead to oil supply fears the more speculation will hive onto gold and silver. Or put it another way, as go oil fears, so goes money into gold and silver.

So, battles on the Tunisian- Libyan border, calls for public demonstrations in Teheran, unrest in Bahrain, Algeria that suggests the daisy chain moves ultimately to Saudi Arabia, Kuwait, and who-knows-where-else all add up to uncertainty about oil prices.

And uncertainty about oil prices– especially if they trend higher– suggest to me somewhat higher gold and oil prices.

Ben Bernanke Can’t Stop The Gold, Silver,Oil Speculation

Apr. 30 2011 - 2:36 pm

The Fed chairman is  between a rock and a hard place.  He can’t raise interest rates to stop the dollar’s descent, because higher interest rates will damage the already weak recovery.  So, he is forced to keep money cheap to help stimulate activity– which is the fundamental force driving stock prices– and the hottest commodity prices higher. It’s a win-win for macro hedge funds using leverage.

So, he is faced with  a quandry.Unsold homes, mortgage foreclosures, lower household wealth,  high unemployment, modest income growth, are between the rock and the hard place. As the dollar keeps weakening, gold, silver and oil keep strengthening. Gold  has madly rushed to $1556.40 an ounce, without any real correction. Oil prices  are up 7.3% in April as speculative fervor in the futures market recognizes the repeat of a classic momentum trade. Silver is getting ready  to make its final push through $50 an ounce just as the regulator and market participants are madly raising margin requirements.

We are closing in on mania in silver, and growing conviction gold and oil will protect your out that relationship for a moment or two.loss of value in the dollar. In otherwords, the price of easy money stimulation is a falling price of the doillar and a rising  prices of gold, silver and oil. This is what the Chairman calls “transitory” inflation.” And it’s coming as the result of the Fed adding $3.8 billion  a day  to its  balance  sheet , according to Comstock Partners, Inc. in an April 28 market comment. Federal Reserve Bank credit is up 38% the past 3 months, while stocks are up only 8% , oil over 20%, and gold 10%.  Think about that relationship for a moment or two. When the Fed balance sheet finally is reduced– Bernanke’s  not saying when– there will be  speculators running forthe exit.

So, my rule of thumb is: as long as the Fed balance sheet rises and the dollar keeps  declining—   hot money, fast money into stocks, gold and oil. My quick thinking pal, Barry Ritholtz, shifted from a 30% long pposition to 90% as the market momentum kept surprising him. His latest shrewd  BA, Boeing, CBOE, Chicago Board of Options Exchange(lot of action out there),and  HSY, Hershey.

Kisah Harga Emas dan Perak

Di saat saya menulis artikel ini, harga emas sedang berada di kemuncak  iaitu US$1565.70/oz setelah melepasi  paras US$1500/oz minggu lepas. Terdetik di hati saya apakah faktor  faktor yang menyebabkan turun naik harga emas dunia. Mengikut adat dan  kebiasaannya, harga  komoditi  dan  barangan adalah berasaskan konsep Supply  and  Demand  (Permintaan  dan penawaran). Adakah emas juga bersifat sedemikian ?

Sebelum itu, izinkan saya untuk menjelaskan bahawa peranan wang US Dolar ini sangat besar di dunia kerana tatkala ini hampir semua matawang dunia terikat atau disandarkan kepada matawang US Dolar malahan hampir semua komoditi dunia juga didagangkan dalam matawang US Dolar. Secara faktanya, matawang US Dolar bukan disandarkan kepada nilai emas semata mata tetapi disandarkan kepada harapan dunia terhadap Amerika.

Jadi, apa yang berlaku sekiranya nilai US Dolar semakin meningkat, maka kuasa membeli  (Purchasing  Power) adalah  menjadi semakin besar  di mana hanya sedikit  kuantiti  US  Dolar diperlukan untuk membeli apa jua komoditi yang dinilaikan pada matawang US Dolar. Begitu juga sebaliknya, jika matawang US Dolar  jatuh  bermakna  kita  memerlukan  jumlah kuantiti US Dolar yang lebih banyak untuk membeli komoditi pada kuantiti yang sama. Saya harap anda jelas tentang konsep ini.

Berbalik kepada persoalan asas, apakah yang mempengaruhi harga emas sebenarnya. Saya percaya ianya juga berasaskan konsep  Supply  and  Demand  (Permintaan  dan  Penawaran) di mana apabila berlakunya  kemerosotan  ekonomi di Amerika dan Eropah, matawang  utama dunia juga akan terjejas. Ini akan menyebabkan para pelabur akan cuba melindungi kepentingan mereka dengan membeli emas kerana semua orang tahu Emas dan Perak adalah satu komoditi yang Kali inflasi (Zero Inflation). Keadaan di mana para pelabur menarik modal mereka dan membeli emas dan perak secara panik menyebabkan harga emas dan perak meningkat kerana permintaan melebihi penawaran. Itu yang berlaku sekarang ini setelah Ben Bernanke (Pengerusi Federation US) mengumumkan tidak akan meningkatkan kadar faedah seperti yang pernah dilakukan pada tahun 1981 dalam usaha membendung kejatuhan nilai US Dolar.  Ben Bernanke berpendapat dengan menaikkan kadar faedah lebih cenderung untuk menggagalkan proses pemulihan ekonomi Amerika Syarikat yang sedang tenat ketika ini. Beliau juga terpaksa menetapkan nilai US Dolar  yang kini semakin murah dalam usaha merangsang aktiviti aktiviti ekonomi yang merupakan tulang belakang dalam meningkatkan semula nilai stok dan komoditi dunia.

Sila lawati link ini untuk keterangan yang  lebih lanjut.

http://blogs.forbes.com/robertlenzner/2011/04/30/ben-bernanke-cant-stop-the-gold-silveroil-speculation/

Matawang US Dolar adalah merupakan denominator untuk  apa  jua  komoditi  di dunia termasuklah logam berharga Emas dan Perak kerana berdasarkan kepada  pemerhatian  saya,  sekiranya  nilai matawang US Dolar jatuh, sudah pasti nilai emas akan meningkat. Tapi harus diingat, peningkatan harga emas bukan  penanda  aras  bahawa  emas  tersebut  nilainya  meningkat tetapi disebabkan  nilai  matawang  US  Dolar yang menyusut dan untuk membeli emas memerlukan  lebih  banyak US Dolar. Jadi jangan tertipu dengan mainan ilusi pihak barat  sekiranya  harga  emas jatuh, itu bukan bermakna nilai hakiki emas itu sendiri yang merosot tetapi akibat mainan konsep supply and demand bagi mengaburi kelemahan wang fiat yang semakin tenat hari demi hari.

Jadi jangan terperanjat yer kalau harga emas jatuh selepas berada di kemuncak sejak wujudnya tamadun dunia.

Utusan Malaysia Online - Berita Utama

Utusan Malaysia Online - Berita Utama

Faktor Yang Mempengaruhi Harga Emas Dunia

Berdasarkan pemerhatian saya, faktor faktor yang mempengaruhi harga emas adalah seperti berikut :-

1. Ketidak tentuan ekonomi semasa dunia yang mengakibatkan kadar inflasi mencanak menyebabkan para pelabur akan mencari alternatif bagi menyelamatkan wang mereka iaitu dengan membeli emas. Maka jika permintaan emas meningkat, sudah pasti harga emas mencanak.

2. Panik. Tatkala dunia diancam kemelesetan ekonomi, pelabur dan orang ramai akan hilang kepercayaan terhadap matawang kerana inflasi.  Mereka memilih emas menyebabkan harga emas meningkat akibat permintaan melebihi penawaran.

3. Jika harga minyak meningkat, secara amnya harga emas juga akan seiringan dan meningkat (Pada kebiasaannya. Sebabnya masih saya tak tahu).

4. Permintaan Emas. Kenaikan permintaan Emas dunia tidak diimbangi dengan kenaikan pengeluaran emas (kerana ianya adalah terhad) menyebabkan harganya terus meningkat. Cina dan India merupakan dua negara yang paling banyak menggunakan Emas.

5. Situasi Politik Dunia. Kenaikan harga emas pada akhir tahun 2002 dan awal tahun 2003 terjadi sebagai impak dari serangan ke atas Iraq oleh tentera bersekutu yang diketuai oleh Amerika Syarikat. Apa yang berlaku, ramai pelabur akan mengambil jalan selamat dengan menarik keluar wang pelaburan mereka dan mendapatkan emas sebagai simpanan sehingga lah keadaan dunia reda.

KENAPA EMAS BERBANDING MATAWANG LAIN ?

Pujangga bernama JP Morgan pernah berkata Emas adalah wang, tiada yang lain setaranya. Saya tertanya tanya satu madah yang mudah namun tersirat seribu satu makna. Mari kita sama sama dalami maksud JP Morgan ini dengan mendefinisikan apa itu wang.

Secara khususnya wang seharusnya memiliki 3 fungsi utama iaitu :-

• Sebagai Alat Tukar (Medium of Exchange)
• Sebagai Satu Akaun dan Pembukuan (Unit of Account)
• Sebagai Unit Penyimpanan Nilai (Store of Value).

Persoalannya sekarang adaklah wang yang kita gunakan selama ini memiliki ketiga tiga fungsi di atas ?

Fungsi sebagai Alat Tukar (Medium of Exchange), jawabannya YA.

Secara de facto dan de jure, Wang Kertas yang kita gunakan sehari hari sememangnya alat tukar yang sah.

Fungsi sebagai Satuan Pembukuan (Unit of Account), jawabannya masih YA walaupun ini masih harus dipersoalkan karena salah satu prinsip Akaun dan Pembukuan adalah konsistensi, sementara nilai wang Kertas tidak pernah konsisten.

Fungsi sebagai Unit Penyimpanan Nilai (Store of Value), Sudah pasti jawapannya TIDAK. Setiap saat secara perlahan dan PASTI nilai wang Kertas Anda di “rompak” oleh penjenayah halimunan yang tidak mungkin ditangkap Poliskerana penjenayah tersebut adalah INFLASI. Coba perhatikan fakta berikut ini: Agustus 2008 USD 1 = RM3.80 ketika zaman gawat 1999 dimana Malaysia telah membuat tambatan nilai US Dolar terhadap Ringgit Malaysia. Sekarang pada April 2011 USD 1 bersamaan dengan RM3.08 sahaja. Jika anda menyimpan wang US Dolar pada tahun 1999 ternyata nilai matawang tersebut menyusut sehingga 19% pada 2011.

Oleh yang demikian, wang yang sebenarnya mestilah kalis inflasi agar nilainya tidak menyusut serta mempunyai nilai intrinsik terhadap wang itu sendiri daripada bersandarkan kepada “harapan” dunia semata mata seperti US DOlar atau mana mana wang kertas sekalipun.

Izinkan saya mengutip sebuah kisah dari Hadist Riwayat Bukhari: Ali bin Abdullah menceritakan kepada kami, Sufyan menceritakan pada kami, Syahib bin Gharqadah menceritakan pada kami, ia berkata: ‘Saya mendengar penduduk bercerita tentang ‘Urwah, bahwa Nabi saw memberikan wang satu Dinar kepadanya agar dibelikan seekor kambing untuk beliau. Lalu dengan wang tersebut ia membeli dua ekor kambing, kemudian ia jual satu ekor dengan harga satu Dinar. Ia pulang membawa satu Dinar dan seekor Kambing. Nabi saw mendoakannya dengan keberkatan dalam jual belinya. Seandainya ‘Urwah membeli debupun, ia pasti beruntung.’ (HR Bukhari).

Dari hadist tersebut dapat disimpulkan bahwa pada zaman Nabi Muhammad SAW harga pasaran Kambing yang wajar adalah Satu Dinar. Kesimpulan ini diambil dari fakta bahwa Rasulullah saw adalah orang yang sangat adil, tentu beliau tidak akan meminta ‘Urwah membeli Kambing dengan uang yang kurang atau berlebih. Walaupun ‘Urwah dapat membeli dua ekor kambing dengan wang satu Dinar, ini disebabkan kepandaian ‘Urwah dalam berdagang, sehingga dalam hadist tersebut ia didoakan khusus oleh Rasulullah saw. Tapi kemudian terbukti ‘Urwah pun menjual salah satu kambing tersebut dengan harga satu Dinar.

Pelik dan luarbiasa!! Selama lebih dari 14 abad, nilai emas tidak berubah kerana dengan 1 dinar kita mampu membeli seekor kambing juga!! Emas mampu menjaga nilai asset kita kerana Emas mempunyai sifat kalis inflamsi (Zero Inflation).

Suka saya ingatkan di saat ini harga emas sekarang mencanak… adakah benar harga emas itu sendiri meningkat ? Jawapannya SALAH. Bukan harga emas yang naik tetapi nilai matawang yang jatuh.

Setuju tak kalau saya kata pelaburan emas tiada risiko padahal harga emas boleh turun ? Jawapannya memang tiada risiko (bukan dari perspektif pedagang emas) walaupun harga emas menurun kerana :-

1. Tiada Risiko. Anda memegang emas yang mempunyai nilai hakiki dan ia akan berguna sekiranya hyper-inflasi atau krisis ekonomi berlaku, tiada matawang yang mampu menyelamatkan anda kecuali emas dan perak.
   
2. Konsistensi Daya Beli. Katakanlah harga Emas turun dari US$ 1.000/oz menjadi US$ 500/oz, pastilah harga komiditi yang lain seperti gandum, minyak, dsb juga ikut turun. Statistik berabadabad (dalam Islam sudah terbukti lebih dari 14 abad) menunjukkan adanya korelasi yang nyata antara harga Emas dengan harga komoditi-komoditi yang diperlukan manusia. Jadi seandainya harga Emas turun, Anda juga tidak mengalami penurunan dalam kekayaan Anda, karena Anda akan tetap dapat membeli barang-barang sama banyaknya seperti ketika harga Emas sebelum turun. Makanya Emas disebut Kalis Inflasi atau ZERO INFLATION.
   
3. Tidak Tergantung Pada Keputusan Pemerintah. Beza dengan wang Kertas yang nilainya bergantung pada keputusan pemerintah dan birokrat masing-masing negara, Emas nilainya sama sekali tidak bergantung mereka. Dengan memegang Emas, Anda tidak perlu gusar tentang perubahan polisi atau keputusan Pemerintah.
   
4. Asset Yang Berada Di Luar Sistem Perbankan. Dengan Emas Anda berkesempatan untuk memiliki aset yang di luar pengaruh sistem perbankan sama sekali. Kita tahu bahwa perbankan di seluruh dunia tanpa terkecuali negara maju sekalipun selalu dihantui krisis dari waktu ke waktu. Dengan Emas Anda akan terbebas dari pusaran krisis perbankan yang tiba tiba berlaku tanpa diduga.

Selain itu, kelebihan menyimpan emas berbanding wang kertas adalah :-

1. Perlindungan Nilai Asset. Bila kadar Inflasi tinggi, harga Emas akan naik lebih tinggi. Semakin tinggi Inflasi, semakin tinggi kenaikan harga Emas. Jika nilai Dollar jatuh, harga Emas juga akan naik.
   
2. Tabungan Paling Berkesan. Karena harga Emas berkembang menurut kenaikan Inflasi, maka Emas amat sesuai digunapakai sebagai tabungan kerana ia kalis inflasi dan nilainya tidak menyusut dimakan inflasi. Sekiranya anda menabung untuk pergi haji, nak kawin, nak beli rumah atau pun untuk pendidikan anak anak, emas adalah jawapannya.
   
3. Kecairan (Liquidity). Emas mudah untuk dibeli dan dijual dimana saja. Emas dapat dibeli di Malaysia dan kemudian dijual di tempat lain dimanapun di dunia pasti diterima.

Kenapa anda perlu menyimpan emas ?

Perspektif Islam Dalam Penggunaan Wang Dinar Dalam Menjalankan Aktiviti Perniagaan

Why Invest In Gold ?

Public Gold as an alternative best partner...

The Gold Quest towards USD1600/oz

Artikel - Duit Kertas Moden

 Credit to Pn Dilla @ www.emasdanperak.com

Berita terkini Kosmo 14th April 2011!!!

Mari Mengenali Emas (Versi budak budak)

Seminar untuk April 2011

Sila hubungi saya untuk reserve tempat kerana ianya terhad kepada yang terawal sahaja !!!

THE HISTORY OF THE DINAR AND DIRHAM

In the beginning the Muslims used gold and silver by weight and the dinar and dirhams that they used were made by the Persians The first dated coins that can be assigned to the Muslims are copies of silver dirhams of the Sassanian Yezdigird III, struck during the Khalifate of Uthman, radiy'allahu anhu. These coins differ from the original ones in that an Arabic inscription is found in the obverse margins, normally reading "in the Name of Allah". Since then the writing in Arabic of the Name of Allah and parts of Qur'an on the coins became a custom in all mintings made by Muslims. Under what was known as the coin standard of the Khalif Umar Ibn al-Khattab, the weight of 10 dirhams was equivalent to 7 dinars (mithqals) In the year 75 (695 CE) the Khalifah Abdalmalik ordered Al-Hajjaj to mint the first dirhams, thus he established officially the standard of Umar Ibn al-Khattab. In the next year he ordered the dirhams to be minted in all the regions of the Dar al-Islam. He ordered that the coins be stamped with the sentence: "Allah is Unique, Allah is Eternal". He ordered the removal of human figures and animals from the coins and that they be replaced with letters. This command was then carried on throughout all the history of Islam. The dinar and the dirham were both round, and the writing was stamped in concentric circles. Typically on one side it was written the "tahlil" and the "tahmid", that is, "la ilaha ill'Allah" and "alhamdulillah"; and on the other side was written the name of the Amir and the date. Later on it became common to introduce the blessings on the Prophet, salla'llahu alayhi wa sallam, and sometimes, ayats of the Qur'an. Gold and silver coins remained official currency until the fall of the Khalifate. Since then, dozens of different paper currencies were made in each of the new postcolonial national states created from the dismemberment of Dar al-Islam. Allah says in the Qur'an: And amongst the People of the Book there are those who, if you were to entrust them with a treasure (qintar), he would return it to you. And amongst them is he who, if you were to entrust him with a dinar would not return it to you, unless you kept standing over him. Qur'an (3,75) Qadi Abu Bakr Ibn al-Arabi, the greatest authority on Qur'anic Law wrote in his famous "Ahkam al-Qur'an" about this ayat: "The benefit that can be taken from this is the prohibition of entrusting the People of the Book with goods". Qadi Abu Bakr said: "The question concerning entrusting property is legislated by the text of Qur'an." This means that the ayat is a legal judgement of absolute validity and of the greatest importance to the deen. Entrusting wealth to non-Muslims is not allowed, but furthermore, taking a non-Muslim as a partner outside Dar al-Islam (where we stand over them) is extremely restricted, because they might cheat or might use our wealth in forbidden transactions. Since paper-money is a promise of payment, can it be permitted to trust the issuers while they hold the payment (our property) outside our jurisdiction? History has also demonstrated repeatedly that paper money has been a permanent instrument of default and cheating the Muslims. In addition, Islamic Law does not permit the use of a promise of payment as a medium of exchange. Source : cited from UTM Website

Islam Dan Sistem Kewangan Antarabangsa by Sheikh Imran Hossein

Tips utk mengira harga emas…

      Salam…di bawah ini adalah tips yang diberikan oleh seorang peniaga emas bagaimana utk   

      membuat pengiraan harga emas…anda boleh gunakan calculation di bawah ni kalau nak  

      beli emas di kedai emas…..

Contoh : Harga Pasaran Ringgit MalaysiaLive Spot Price : Rm135/g

HARGA SPOT GOLD EMAS 916Cara Kira :>(Harga Live Spot) x(Jenis Emas) = Harga Kasar Emas 916Rm135 x 0.916 = Rm123.66 (harga spot gold emas 916)

HARGA EMAS TERPAKAICara Kira :>(Harga Live Spot) x(Jenis Emas) = Harga Kasar Emas 916Rm135 x 0.916 = Rm123.66Harga Kasar - upah Tukang =  harga emas terpakaiStandard upah tukang = Rm6/gRm123.66 – rm4 = Rm117.66 (harga emas terpakai)

Cara Kira :>Khas Untuk Emas Lombong (nugget) (Harga Live Spot) – (Tolak)- RM25 (Upah Kerja)

 

Contoh Harga Live Spot = Rm135Rm135 – Rm25 = Rm110 / gramHarga Emas Belum Process

Harga Tolak KilangHarga Kitco – 1387 (Contoh)> 1387 / 31.1 (1 Ounce = 31.1g)> harga emas malaysia http://goldprice.org/gold-pric…..aysia.html
> 135/g x Tile ( 1 Tile = 37.8g)> 135 x 37.8g> 5103 / tile> Upah kilang Rm90 – Rm120> 5103 – 120 (Contoh)> 4983 / 37.8(tile)> Rm131.83 / gram

Harga Belian Emas Lombong*Harga Tile* x 2646Harga Jualan Emas (916)*Harga Tile* x 90 x 72 / 2.72CREDIT TO :- http://dinarkedah.blogspot.com/

Senarai negara yang menyimpan khazanah berbentuk EMAS

Why Gold Really Is Money

L: Doug, we’ve talked about cars, cows, and cash, but the investment world thinks of you as a gold bug, so let’s give that a go; why gold?

Doug: Sure. First of all, it’s because gold is actually money. It’s an unfortunate historical anomaly that people think about the paper in their wallets as money. The dollar is, technically, a currency. A currency is a government substitute for money. Gold is money.

Now, why do I say that?

Historically, many things have been used as money. Cattle have been used as money in many societies, including Roman society. That’s where we get the word “pecuniary” from: the Latin word for a single head of cattle is pecus. Salt has been used as money, also including in ancient Rome, and that’s where the word “salary” comes from; the Latin for salt was sal (or salis). The North American Indians used seashells. Cigarettes were used during WWII. So, money is simply a medium of exchange and a store of value.

By that definition, almost anything could be used as money, but obviously, some things work better than others; it’s hard to exchange things people don’t want, and some things don’t store value well. Over thousands of years, the precious metals have emerged as the best form of money. Gold and silver both, though primarily gold.

There are very good reasons for this, and they are not new reasons. Aristotle defined five reasons why gold is money in the fourth century BC (which may only have been the first time it was put down on paper). Those five reasons are as valid today as they were then. A good form of money must be: durable, divisible, consistent, convenient, and have value in and of itself.

L: Can you elaborate on that?

Doug: Yes, and from them, we can draw inferences that will help us anticipate the fate of the dollar.

First, let’s take durable. That’s pretty obvious – you can’t have your money disintegrating in your pockets or bank vaults. That’s why we don’t use wheat for money; it can rot, be eaten by insects, and so on. It doesn’t last.

Divisible. Again, obvious. It’s why we don’t use diamonds for money, nor artwork. You can’t split them into pieces without destroying the value of the whole.

L: If I paid for a new Ford GT with the Mona Lisa, what would be my change – a small canvas by Picasso?

Doug: [Laughing.] That’s right. Maybe you’d get millions of those paintings of Elvis or Jesus on velvet.
Consistent. The lack of consistency is why we don’t use real estate as money. One piece is always different from another piece.

Convenient. That’s why we don’t use, for instance, other metals like lead, or even copper. The coins would have to be too huge to handle easily to be of sufficient value.

Value of itself. The lack here is why you shouldn’t use paper as money.

Actually, there’s a sixth reason Aristotle should have mentioned, but it wasn’t relevant in his age, because nobody would have thought of it…

L: It can’t be created out of thin air.

Doug: Right. Not even the kings and emperors who clipped and diluted coins would have dared imagine that they could get away with trying to use something essentially worthless as money.

L: I think we can forgive Aristotle for the oversight.

Doug: I think so. At any rate, these are the reasons why gold is the best money. It’s not a gold bug religion, nor a barbaric superstition. It’s simply common sense. Gold is particularly good for use as money, just as aluminum is particularly good for making aircraft, steel is good for the structures of buildings, uranium is good for fueling nuclear power plants, and paper is good for making books. Not money. If you try to make airplanes out of lead, or money out of paper, you’re in for a crash.

That gold is money is simply the result of the market process, seeking optimum means of storing value and making exchanges.

But it’s not something that suits governments, because paper money is an excellent means for governments to tax people indirectly, surreptitiously, through inflation. That’s one reason central bankers love paper money, but also, phony economic theories, like those of John Maynard Keynes, hold that the government not only can but should meddle with the economy, and the ability to print paper money gives them a means to do that.

In today’s world, not only do people around the world take it for granted that paper is money, but that it should be so.
But it’s all nonsense. It’s one reason for taking a gloomy view of humanity – people will believe almost any kind of claptrap, if the story is retailed by those in authority.

After the current system collapses, as every paper money system in the past has collapsed, some form of money will have to replace it, and it’s almost certainly going to be gold.

L: There are already experiments with digital gold currencies. E-gold got taken out behind the woodshed by the feds, but GoldMoney.com seems to be doing well. Do you believe those could see widespread adoption, as paper currencies lose their credibility?

Doug: Sure. You know, in the 19th century, the “paper money” you carried in your wallet was called bank notes. Why? Because they actually were notes from your bank representing a specified amount of real money on deposit. People carried these things because they were much more convenient for large amounts of money than chests of gold. Dollars today say “Federal Reserve Note,” not “XYZ Bank Note” on the back, because they aren’t redeemable for anything besides more Federal Reserve notes. That’s why today’s paper money substitutes are called fiat currencies; they have zero intrinsic value and are not redeemable for anything, but are accepted because the government will put you in jail if you don’t. It’s a fiat accomplished by force, not real value recognized by those who accept the notes.

Things like GoldMoney.com are simply modernized, updated versions of bank notes. They are basically transferrable warehouse receipts that represent amounts of gold you have on deposit someplace. I do recommend GoldMoney.com, incidentally, because it allows you to hold your gold in digital form, outside the U.S. And to my understanding, these accounts are not reportable under current U.S. rules. It’s an excellent alternative to storing large amounts of gold in a safe deposit box.

L: But will people believe in them? Will the public accept them so they can be used in everyday transactions, as paper money is used now? Hundreds of years ago, people accepted bank notes because they knew the reputations of the banks issuing them (when you traveled, you went to a reputable local bank, which knew the reputation of the bank that issued your notes, and the local bank could issue you new notes in local currency, etc.). There was no central authority to certify these notes. But today, people don’t think that way. They think it takes a government to assure the value of money.

Doug: You’re quite correct on that – a sea change in thinking will have to take place. Of course, anyone in Zimbabwe can tell you a government’s guarantee is not necessarily worth anything. A collapse of the dollar – the worlds’ de facto reserve currency – could spark such a change in that way of thinking. With GoldMoney.com or the Perth Mint – another worthy alternative – it’s a question of predicting the solvency of an actual company, and we have tools for that. I believe this is exactly what is going to happen in the future. As far as I’m concerned, either of these outfits is more reliable than, say, Citibank. And gold is far more desirable than the dollar. So I’d rather have a thousand ounces of gold stored with GoldMoney.com than a million dollars deposited at Citibank.

The dollar will be phased out of the world economy, because everyone can see that it’s a hot potato. This Chinese have two trillion of them. They want to get rid of them because they aren’t stupid, and they can see what the ultimate fate of the dollar is. This is true of every country around the world at this point; their central banks know they are sitting on hot potatoes, and they are going to want to unload them.

What’s going to happen is that one or more countries are going to institute a sound, stable, gold-backed currency. Ten years ago, Mahathir Mohamad of Malaysia tried to get Islamic countries to return to hard money, adopting the gold dinar and the silver dirham, which are defined in the Koran as specific weights of gold and silver. It didn’t work because of mistrust between the players; the governments of Muslim countries are, as a group, almost universally corrupt. But I think it’s entirely possible, nonetheless, that something like that might arise in the Islamic world. After all, they believe that the Koran is the actual word of Allah, and there is a resurgence of Islamic fundamentalism everywhere.

According to press reports, the Chinese government is actually encouraging Chinese people to accumulate gold at this point. They might go for a gold-backed yuan – it would put them on the map as an international monetary leader. The press also reports that the Russian government has been consistently buying large amounts of gold. We might even end up with a gold-backed ruble.

Meanwhile, the U.S. government is creating trillions more dollars per year. This could result in the entire world monetary system being overturned. But there’s no reason for anyone to trust any of these other governments more than they trust the U.S. government. And rightly so; they shouldn’t trust any currency that doesn’t come with a guarantee of redemption for something specific. And as Aristotle and history have shown us, gold is the best choice.

L: So the question now boils down to, what is gold really worth in terms of today’s dollar? How do we compute that?

Doug: Well, aside from a few Spanish galleons at the bottom of the sea and dentures returned to the earth after a lifetime of use, pretty much all of the gold ever mined and refined is still sitting on the surface of the earth somewhere. Nobody really knows how much that is, but the most reasonable estimates I’ve seen are something like six to eight billion ounces. That happens to work out to about one ounce of gold for every human being on the planet at this time.

Out of this, the U.S. government reports that it has 265 million ounces of gold in its treasury. If we divide the money supply by the number of ounces the U.S. could back its paper with – and here we’d have to decide what measure of money supply we want to use. Nobody, including the Federal Reserve, actually knows how much money they have floating around out there. It would seem that there are about six trillion dollars outside the U.S. alone. Let’s estimate that M0 in the U.S., the narrowest measure of money supply that consists of just notes and coins, amounts to one trillion. So, 265 million into seven trillion gives you about $26,420 dollars per ounce of gold.

Now, if we add in the total obligations of the U.S. government, which it will either need to print more money to meet, or it will have to default on – that’s about 100 trillion. If those dollars are printed, that would give us $377,430 per ounce. The same ratio for M1 would give you about $6,226 per ounce and M2 would give you $31,320 per ounce.

All of these numbers are far, far above the current level of roughly $1,000 per ounce. And that’s the answer to the question you started this interview with. Why gold? Because it’s got only one way to go: up. It seems to me that everyone should have a very significant portion of their wealth in gold.

That’s not just for safety, security, and prudence, though those are reasons enough, but because gold is cash in its most basic form. Better yet, even though it’s quadrupled since its bottom in 2001, it’s also still an excellent speculation. I can see somewhere between three and ten times your investment in current capital. And there’s no limit to the upside in dollars, depending on how rapidly the government destroys the currency.

To my view, that offers an exceptional combined opportunity; by buying gold, you protect your wealth but also have enormous speculative upside.

L: Plus, as you like to say, gold is the only asset class that is not also simultaneously someone else’s liability.

Doug: Absolutely right. And in a world as financially unstable as today’s, you just don’t want to hold on to someone else’s liabilities any more than you have to. Especially if that’s a liability of an entity like the U.S. government.

L: Got it. You should own gold because it’s money, because of its security, and because it’s an excellent speculation. In our publications, we’ve been telling readers that they should have as much as 1/3 of their portfolio in gold, 1/3 in cash, and 1/3 in investments that could do well in times of crisis, including gold stocks, commodities, certain kinds of real estate, etc. Do you think those are still the right proportions? That worked out very well for our readers last year. Those who actually followed our advice would have had 1/3 in gold and 1/3 in cash, so even if they lost 50% of their remaining third, they would still have only been down 16.67% by the end of the year. But that was then, and there were signs of short-term price deflation, and now things are different. How should we be deployed today?

Doug: That’s still a good balance, but if you start really thinking of gold as cash, and the dollar as a merely temporarily fashionable means of exchange, you’ll find yourself loading your portfolio with much more gold and gold proxies. That will protect you against the very rapid loss of value the dollar faces in years to come. Inflation is going to truly get out of control.

The only reason to hold any dollars at all right now, other than what you need for a few months’ living expenses if you live in the U.S., is that there is still a possibility of a very short-lived but catastrophic deflation. That could make the silly things worth more in the short term and give you liquid capital to deploy quickly into other asset classes. But certainly within one year, I would start moving more money out of dollars and into gold and other investments, possibly including well-positioned real estate and stocks that could benefit from the destruction of the dollar.

And once again, I want to emphasize, especially for Americans, that it’s not just a question of what you have and what you’re doing in the market, but where you’re keeping these things. Everyone, not just Americans, should try to have half of their gold, cash, and investments outside of their countries of citizenship and/or residence. You don’t want all of your assets within easy reach of whatever government considers you its milk cow.

L: Good reminder. Well, we’ve talked a long time again, but briefly, what are the best ways to own gold?

Doug: I prefer gold coins to bars. They are more recognizable and convenient. You can walk into a coin shop in many places around the world, and they will recognize your Gold Eagles, Krugerrands, Philharmonics, etc. Dealers, or the public, may not recognize the hallmark of some bars.

For larger amounts, I like GoldMoney.com, as I mentioned above, and I believe Kitco offers secure and convenient accounts accessible online. I also think highly of the Perth Mint Certificate program, especially for those who feel more secure with some sort of government backing (though government involvement is a reason to run in the opposite direction, in most cases). And, of course, there are various banks that will store gold for you in vaults in London or Zurich, that sort of thing. We cover these sorts of things in Casey’s Gold and Resource Report.

L: Okay, then, one last question: how about the gold stocks – where do they fit into this picture?

Doug: That’s a whole new conversation. For now, I’ll sum it up with three words: leverage to gold.

L: Very well then – I look forward to our next conversation. Thank you for your time.

Doug: A pleasure, as always.

DOUG CASEY

Doug Casey of Casey Research, author of the best sellers Strategic Investing, Crisis Investing and Crisis Investing for the Rest of the 90's, has lived in seven countries and visited over 100 more. He has appeared on scores of major radio and TV shows and remains an active speculator in the stock, bond, commodity, and real estate markets around the world.

View articles by Doug Casey