Dealer - Goldcrest Pavilion SB
Registered Customer - Public Gold Marketing SB
HARGA SEMASA - VISITOR / FOLLOWER BLOG
1. NORLIDAH OTHMAN - ALOR GAJAH
2. ZAID HARITHAH - MELAKA
3. RATENAH BINTI KADIR - BUKIT KATIL
4. AMIR BIN SURIN - BANGI, SELANGOR
5. MUZAMMIL BIN MINGU - ALOR GAJAH
6. AWELL LUDING - ALOR GAJAH
7. AHMAD HAIDIR OTHMAN - SELANGOR
8. HALIJAH - ALOR GAJAH
9. NOR HASNY ISMAIL - ALOR GAJAH
10. NORHASMAH MUKRI - ALOR GAJAH
11. RABIATUL ADAWIYAH - MASJID TANAH
12. ANNISA - ALOR GAJAH
13. SYAHBUDIN BIN SENIN - ALOR GAJAH
14. HAMSIDAH - ALOR GAJAH
15. NORMA SHAFEI - PERINGGIT, MELAKA
Saturday, March 9, 2013
Thursday, February 28, 2013
Emas yang dipakai yang telah genap setahun dan melebihi 200 gram, maka zakatnya adalah sebanyak
2.5% daripada nilai semasa setelah ditolak kadar berat
contoh : ( 250 - 200 ) gram x RM 112.36 ( 1 gram emas semasa )
= RM 5618.00 x 2.5%
= RM 140.45
ii] Emas Disimpan
Emas disimpan yang telah genap setahun dan melebihi 85 gram maka zakatnya adalah sebanyak 2.5%
daripada nilai semasa
contoh : 85 geram x RM 112.36 ( 1 geram emas semasa )
= RM 9,550.60 x 2.5%
= RM 238.76
iii] Emas Dipajak / Dicagarkan
Emas yang dicagarkan di bank menggunakan sistem pajak-gadai Islam Ar-Rahnu. Emas tersebut telah
tidak sempurna milik kepada pemunya asal. Pemunya asal tidak mempunyai kuasa ke atas emas tersebut
sehinggalah ia ditebus kembali. Maka tiadalah dikenakan zakat emas.
Namun, pemunya asal masih mendapat faedah / keuntungan dari emas tersebut :
a- bank telah memberi wang tunai sebanyak 70% dari nilaian semasa emas tersebut
b- pemunya asal mendapat wang tunai hasil dari kaedah 'over lap' pinjaman apabila nilai emas telah
Maka, si pemunya tetap dikenakan zakat pendapatan hasil dari keuntungan dari emas yang dicagarkan
tadi. Oleh itu, jumlahkan lah semua pendapatan hasil dari cagaran dan tindakan 'over lap' yang telah
dilakukan selama setahun.
KAEDAH ZAKAT PENDAPATAN ( SUMBER EMAS )
Pendapatan dari sumber emas setahun.
RM 30,000.00 x 2.5% = RM 750.00
A. Pendapatan setahun RM 30,000.00
1. Diri RM 8,000.00
2. Isteri RM 5,000.00
3. Anak ( RM 1000.00 seorang ) RM 1,000.00
4. Pemberian ibubapa RM 1,200.00
5. KWSP ( 11% ) RM 3,300.00
6. Caruman ke organisasi yang membayar zakat ( potongan bulanan )
JUMLAH RM 19,700.00
C. Pendapatan yang layak di zakat ( A - B )
RM 30,000.00 - RM 19,700.00 = RM 10,300.00
RM 10,300 x 2.5 % = RM 257.50
1. Kadar nisab zakat adalah berbeza mengikut negeri . Sila rujuk puzat zakat negeri masing-masing
2. Haul ( genap setahun ) = 354 hari tahun Hijrah
= 365 hari tahun Masihi
3. Segala komen bagi tujuan pembetulan dan penambahbaikkan adalah amat dialu-alukan
1. Pegawai zakat daerah
2. Buku Panduan Pengiraan Zakat ( Pusat Zakat Melaka )
Disediakan oleh :
Mohd Redzei Othman
Thursday, September 20, 2012
Sunday, May 13, 2012
Why Holding Gold in Your Portfolio Isn't Advisable... It's a Must
15 Fundamental Reasons to Own Gold
The U.S. dollar is fundamentally and technically very weak and should fall dramatically over the next few years. However, other countries are very reluctant to see their currencies appreciate and are resisting the fall of the U.S. dollar. Thus, we are in the early stages of a massive global currency debasement which will see tangibles, and most particularly gold, rise significantly in price.
2. Rising Investment Demand
When the crowd recognizes what is unfolding, they will seek an alternative to paper currencies and financial assets and this will create an enormous investment demand for gold. Own both the physical metal and select mining shares.
3. Alarming Financial Deterioration in the U.S.
In the space of two years, the federal government budget surplus has been transformed into a yawning deficit, which will persist as far as the eye can see. At the same time, the current account deficit has reached levels, which has portended currency collapse in virtually every other instance in history.
4. Negative Real Interest Rates in Reserve Currency (U.S. Dollar)
To combat the deteriorating financial conditions in the U.S., interest rates have been dropped to rock bottom levels, real interest rates are now negative and, according to statements from the Fed spokesmen, are expected to remain so for some time. There has been a very strong historical relationship between negative real interest rates and stronger gold prices.
5. Dramatic Increases in Money Supply in the US and Other Nations
Authorities are terrified about the prospects for deflation given the unprecedented debt burden at all levels of society in the U.S. Fed Governor Ben Bernanke is on record as saying the Fed has a printing press and will use it to combat deflation if necessary. Other nations are following in the U.S.'s footsteps and global money supply is accelerating. This is very gold friendly.
6. Existence of a Huge and Growing Gap between Mine Supply and Traditional Demand
Mined gold is roughly 2,500 tons per year and traditional demand (jewelry, industrial users, etc.) has exceeded this by a considerable margin for a number of years. Some of this gap has been filled by recycled scrap but central bank gold has been the primary source of above-ground supply.
7. Mine Supply is Anticipated to Decline in the next Three to Four Years.
Even if traditional demand continues to erode due to ongoing worldwide economic weakness, the supply/demand imbalance is expected to persist due to a decline in mine supply. Mine supply will contract in the next several years, irrespective of gold prices, due to a dearth of exploration in the post Bre-X era, a shift away from high grading which was necessary for survival in the sub-economic gold price environment of the past five years and the natural exhaustion of existing mines.
8. Large Short Positions
To fill the gap between mine supply and demand, Central Bank gold has been mobilized primarily through the leasing mechanism, which facilitated producer hedging and financial speculation. Strong evidence suggests that between 10,000 and 16,000 tons (30-50% of all Central Bank gold) is currently in the market. This is owed to the Central Banks by the bullion banks, which are the counter party in the transactions.
9. Low Interest Rates Discourage Hedging
Rates are low and falling. With low rates, there isn't sufficient contango to create higher prices in the out years. Thus there is little incentive to hedge and gold producers are not only not hedging, they are reducing their existing hedge positions, thus removing gold from the market.
10. Rising Gold Prices and Low Interest Rates Discourage Financial Speculation on the Short Side.
When gold prices were continuously falling and financial speculators could access Central Bank gold at a minimal leasing rate (0.5 - 1% per year), sell it and reinvest the proceeds in a high yielding bond or Treasury bill, the trade was viewed as a lay-up. Everyone did it and now there are numerous stale short positions. However, these trades now make no sense with a rising gold price and declining interest rates.
11. The Central Banks are Nearing an Inflection Point when they will be Reluctant to Provide more Gold to the Market.
The Central Banks have supplied too much already via the leasing mechanism. In addition, Far Eastern Central Banks who are accumulating enormous quantities of U.S. Dollars are rumored to be buyers of gold to diversify away from the U.S. Dollar.
12. Gold is Increasing in Popularity
Gold is seen in a much more positive light in countries beginning to come to the forefront on the world scene. Prominent developing countries such as China, India and Russia have been accumulating gold. In fact, China with its 1.3 billion people recently established a National Gold Exchange and relaxed control over the asset. Demand in China is expected to rise sharply and could reach 500 tons in the next few years.
13. Gold as Money is Gaining Credence
Islamic nations are investigating a currency backed by gold (the Gold Dinar), the new President of Argentina proposed, during his campaign, a gold backed peso as an antidote for the financial catastrophe which his country has experienced and Russia is talking about a fully convertible currency with gold backing.
14. Rising Geopolitical Tensions
The deteriorating conditions in the Middle East, the U.S. occupation of Iraq, the nuclear ambitions of North Korea and the growing conflict between the U.S. and China due to China's refusal to allow its currency to appreciate against the U.S. dollar headline the geopolitical issues, which could explode at anytime. A fearful public has a tendency to gravitate towards gold.
15. Limited Size of the Total Gold Market Provides Tremendous Leverage
All the physical gold in existence is worth somewhat more than $1 trillion U.S. Dollars while the value of all the publicly traded gold companies in the world is less than $100 billion US dollars. When the fundamentals ultimately encourage a strong flow of capital towards gold and gold equities, the trillions upon trillions worth of paper money could propel both to unfathomably high levels.
Gold is under-valued, under-owned and under-appreciated. It is most assuredly not well understood by most investors. At the beginning of the 1970's when gold was about to undertake its historic move from $35 to $800 per ounce in the succeeding ten years, the same observations would have been valid. The only difference this time is that the fundamentals for gold are actually better.
Friday, March 16, 2012
Thursday, March 8, 2012
Sunday, December 25, 2011
Friday, December 16, 2011
Semalam admin telah pergi shopping barangan keperluan persekolahan anak-anak di sebuah pasaraya. Sewaktu berehat untuk makan tengahari, di meja makan sebelah admin ada sekumpulan orang lelaki dan wanita sedang mendengar seorang lelaki bercerita.
lelaki itu bercerita dan berkempen tentang skim MLM. Admin perhatikan lelaki itu hanya bercakap perkara yang positif sahaja ( untung ribu-ribu dsb ). Admin bukan anti direct selling, walaupun admin dan isteri telah terjebak dalam banyak skim. Apa-apa pun kalau kuat berusaha...memang akan berjaya InsyaALLAH.
Perkara yang admin tak setuju adalah sikap lelaki itu yang hanya bercakap aspek yang positif sahaja. Ini memberi harapan yang tinggi kepada pendengar terutamanya yang nak cepat kaya. Akhirnya, akan mendaftar sebagai ahli dan mengeluarkan wang juga akhirnya...walau pada awalnya sesi itu percuma. Kita mudah terpedaya pada yang free......sesi yang free seperti ini...akhirnya akan menguntungkan penganjur....ini disebabkan teknik membesar-besarkan kehebatan produk, menjanjikan pulangan yang tinggi, memujuk , 'memaksa' dsb.
Memang lelaki itu ingin mencari rezeki. Namun, beliau seharusnya menyentuh juga aspek negatif / kekurangan produk atau skim tsb. Ini disebabkan, di dunia ini tiada apapun yang sempurna. Akibat terpersona dengan keuntungan BESARRRRRRR......ramai orang akan kerugian BESARRRRRR. Admin pernah kehilangan puluhan ribu ringgit pada skim-skim seperti ini. Ialah....mungkin bukan rezeki admin di situ.
Admin kalau buat sesi konsultasi ......kena bayar!!!! Kenapa kena bayar ????? Ini disebabkan :
1. admin tidak berkempen dan memujuk / memaksa untuk membeli atau menjadi ahli.
- Namun, admin memberi pendidikan ilmu tentang perlaburan emas
2. admin tidak menjanjikan bulan dan bintang.
- Tapi, admin memperlihatkan aspek yang positif dan aspek negatif ( kelemahan )
3. admin memberi bimbingan berterusan sehingga pelanggan berjaya dan benar-benar faham akan apa yang mereka lakukan. ( Tak ler hebat sangat.....tapi boleh ler menjadi mentor kpd orang baru.)
4. admin memberi peluang untuk bakal pelanggan berfikir dan menimba ilmu lagi......tak perlu buat keputusan segera. Sebab, admin mendidik, memberi ilmu sahaja...bakal pelanggan lah yang berhak membuat keputusan.
Eh......admin pulak yang berkempen....jangan mare haaaa......
Kesimpulannya, tiada skim atau kaedah pun yang menjamin kita cepat kaya. Semuanya ada kehebatan dan kekurangannya yang tersendiri ......berusahalah......
Doa - Usaha - Istiqamah - Tawakkal = DUIT
Emas emas emas emas emas emas emas emas emas emas emaS
A child finds a shiny rock in a creek, thousands of years ago, and the human race
is introduced to gold for the first time.
and gold was first discovered in its natural state, in streams all over the world. No doubt it was the
first metal known to early hominids.
Gold became a part of every human culture. Its brilliance, natural beauty, and luster, and its
great malleability and resistance to tarnish made it enjoyable to work and play with.
Because gold is dispersed widely throughout the geologic world, its discovery occurred to many different groups in many different
And nearly everyone who found it was impressed with it, and so was the developing culture in which they lived.
Gold was the first metal widely known to our species. When thinking about the historical progress of technology,
we consider the development of iron and copper-working as the greatest contributions to our species' economic and cultural progress –
but gold came first.
Gold is the easiest of the metals to work. It occurs in a virtually pure and workable state,
whereas most other metals tend to be found in ore-bodies that pose some difficulty in smelting.
Gold's early uses were no doubt
nor tarnishes) linked it to deities and royalty in early civilizations .
Gold has always been powerful stuff. The earliest history of human interaction with gold is long lost to us, but its association with
the gods, with immortality, and with wealth itself are common to many cultures throughout the world.
Early civilizations equated gold with gods and rulers, and gold was sought in their name and dedicated to their glorification.
Humans almost intuitively place a high value on gold, equating it with power, beauty, and the cultural elite.
And since gold is widely distributed all over the globe, we find this same thinking about gold throughout ancient
And modern civilizations everywhere.
Gold, beauty, and power have always gone together. Gold in ancient times was made into shrines and idols
("the Golden Calf"), plates, cups, vases and vessels of all kinds, and of course, jewelry for personal adornment.
The "Gold of Troy" treasure hoard, excavated in Turkey and dating to the era 2450 -2600 B.C., show the range of gold-work
from delicate jewelry to a gold gravy boat weighing a full troy pound. This was a time when gold was highly valued,
but had not yet become money itself. Rather, it was owned by the powerful and well-connected, or made into objects of worship,
or used to decorate sacred locations.
Gold has always had value to humans, even before it was money. This is demonstrated by the extraordinary efforts made to obtain it.
Prospecting for gold was a worldwide effort going back thousands of years, even before the first money in the form of
gold coins appeared about 700 B.C.
In the quest for gold by the Phoenicians, Egyptians, Indians, Hittites, Chinese, and others, prisoners of war were sent to
work the mines, as were slaves and criminals. And this happened during a time when gold had no value as 'money,'
but was just considered a desirable commodity in and of itself.
The 'value' of gold was accepted all over the world. Today, as in ancient times, the intrinsic appeal of gold itself has that
universal appeal to humans. But how did gold come to be a commodity, a measurable unit of value?