Thursday, December 24, 2009


Nampaknya harga emas kembali bertenaga setelah merosot sejak dibuka awal minggu ini pada kedudukan USD1112.40/oz.Kenaikan indeks matawang dollar Amerika melepasi 78.00 mata,telah mengiringi penurunan harga emas di bawah paras USD1100/oz.

Index Matawang USD semakin meningkat

Memberi impak kepada penurunan harga emas di bawah USD1100/oz

Biar pun dilihat seakan-akan 'berehat' setelah penat menurun,kini emas mula mengumpul tenaga bagi melonjak semula melepasi paras USD1100/oz.

Adakah penanda aras ini kembali goyah?
Sama-sama kita perhatikan persaingan hebat antara harga emas dan indeks matawang USD ini.

Adakah lonjakan harga emas ini akan berterusan??
Atau emas sekadar memberitahu nilainya yang sebenar pada situasi kini.....!!!

Indeks USD yang sedang merosot

Harga emas sedang mendaki ke paras melepasi USD1100/oz

Harga emas sedang meningkat (dalam RM/gram)

Walau apapun,inilah masa yang sesuai untuk memiliki emas.Dikhuatiri indeks matawang USD terus lemah menjelang selepas Hari Natal dan perayaan Krismas.Seterusnya perayaan sambutan tahun baru 2010.Akan menyebabkan harga emas terus naik.

Diharap harga emas akan lebih stabil berbanding keadaan sekarang yang telahpun selesa.Jika pada ketika harga emas masih rendah dulu pun,kita tidak mampu memilikinya kerana nilainya dikatakan mahal.Apatah lagi nilainya pada masa sekarang.Apakah nilai emas pada tahap sekarang dalam tempoh 2 tahun lagi?

Pada penilaian saya,penurunan indeks USD pada kadar 1% akan memberi kesan kenaikan pada harga emas sebanyak 2.34%.

Bagaimana kalau indeks USD pula yang naik 1%.Berapa % pulak harga emas akan turun?

Apa tindakan kita semua?Walau bagaimanapun....


Wednesday, December 16, 2009


Yes, there is no typo in the headline of this article. Today there is still an unbelievable opportunity to invest in gold that will disappear over the next several years as this monetary crisis deepens. Despite the general widespread sentiment of Western financial advisers that they have missed the run-up in gold and now it is too late to buy, this is not true at all. In fact, to illustrate how little people understand about the reasons to buy gold, of all my friends that I urged to buy physical gold more than six years ago when gold was less than half of its current price, I only know of one that has bought any gold, and it still took five years of my prodding, four times a year, for this single person to purchase gold. This is how incredibly misunderstood an asset gold remains today despite its enormous run higher in the past 8 years. This brief anecdote aptly illustrates the bias against gold and the foolish belief that gold is a bubble that persists today due to the massive propaganda and disinformation campaigns waged by bankers against gold. It is ironic today that public mistrust of bankers can be at such a high level at the same time that the public is still enormously willing to follow all of the bankers’ propaganda about gold. This great twist of irony illustrates just how powerful the bankers’ century long misinformation campaign about money and gold has been. Few people even understand how money is created let alone why gold is a protector of people’s rights.

Even if gold continues to correct this week, and the bullion banks, the US Treasury, the US Federal Reserve and the Bank of England are able to engineer a further decline in gold prices in the futures markets, this event will not be the bursting of the gold bubble as it will be, and always has been, described by many Western media sources. Even if gold loses another $120+ an ounce from its current price, this event would not mark the bursting of the gold bubble. The incorrect description of corrections in the gold markets, or downright meddling of Central Banks into the suppression of gold prices, as the bursting of a bubble is just as erroneous as the recent descriptions of rising stock markets as signs of economic recoveries. And this is the legacy bankers have created – confusing the masses to believe the exact opposite of what is true.

Though I’m not going to tell you the price point at which I believe gold will start rising again, it is not impossible to time markets as investment charlatans will lead you to believe as well. In fact, at the very beginning of this month, we told all subscribers of my Crisis Investment Opportunities investment newsletter to sell out of their precious metal stocks right before this steep correction in gold and silver occurred to lock in their profits and we’ll tell them to re-enter (or have told them to re-enter) when we feel that a low-risk, high-reward time to reposition our assets has materialized once again. By understanding the rigging game in gold and silver markets and in stock markets, we’ve more than tripled the returns of the S&P 500 this year. In all honesty, however, bankers have filled most investors’ heads over the years with so many lies about gold that for the majority of investors, it would be a futile effort to try to time the market anyway. Most would be better off just understanding the fundamentals behind why they need to own gold and to buy and hold on through the dips and rises until it reaches the mania stage.

Being able to predict the recent steep correction in gold and silver in advance of its occurrence merely requires understanding the manipulation and rigging game in these markets. Understand the rigging game behind gold and it is quite possible to repeatedly time the gold markets with a fair amount of accuracy. Subscribers to my services will vouch that I have called near perfect tops and bottoms in the gold and silver markets more than several times over the past several years. Even if you refuse to acknowledge the indisputable signs that the gold market is, and has been rigged for decades, you only need realize one thing – that despite the best efforts of the US Federal Reserve, the US Treasury and the Bank of England to suppress the price of gold, gold’s long term trend since 2001 when it bottomed at about $250 an ounce, has been up. And if you are astute enough to realize that the gold markets have been, and still are rigged, then observing gold’s rise from $250 an ounce eight years ago to more than $1200 an ounce just a week ago should give you the utmost confidence, that despite the best efforts of bankers to wreck gold’s price, its long-term trend will remain higher for quite some years to come.

Still, no matter what side of the “gold is rigged” debate you stand on (and there is lots of evidence to believe the “gold is rigged” side of the debate thanks to the tireless work of, the public’s stated reasons for not owning gold are not only absent of logic but they are downright foolish.  

Two of the most frequently given reasons I’ve heard from Westerners as to why they will not buy gold are parroted banking propaganda that make absolutely no sense. The first reason people often give as to why they are reluctant to buy gold is that gold pays no interest. People would realize how foolish this stated reason was if they only realized that all paper money is issued as debt. If there were no debts in the system, there could be no money, yet people gladly accept an instrument that is issued as a debt and believe that it is a pure asset. Secondly, they state, you can’t buy anything with gold. You can’t pay for many items with Euros in many American stores or buy items with US dollars in many European stores either, but that doesn’t mean the Euro is worthless to own if you live in America or that the dollar is worthless to own if you live in Europe. Both will still have some value in buying goods and services. Thus, to not own gold because “you can’t buy anything in stores with a gold coin or gold bar” is an answer devoid of any logic whatsoever.

Throughout history, gold has always been accepted as a form of money. In fact a gold coin in ancient Roman times would buy you about the same things today as it would have back then. With US dollars, you now need twice as many dollars to buy the same things today as you would have needed just 8 or 9 years ago. If a wealthy eccentric man walked into a Maybach auto dealership and insisted on paying for four custom made Maybachs with $2.4 million worth of gold bars, I guarantee you that the dealer would find a way to accept the gold bars and make the $2.4 million sale, knowing that he could choose to hold on to the gold or to convert it into Euros, Yen, Pounds or Dollars at a later point and time. Thus, there is no reason to believe that gold can not be used to purchase items. Gold may be an inconvenient form of money, but it will be much more inconvenient to watch your fiat money crash and burn and for much of your wealth to be wiped out when the second phase of this monetary crisis commences sometime in 2010 or 2011.

Secondly, psychology plays a huge role in the foolish bias of Westerners against gold. Were Westerners to live in China for just one year, where almost everyone knows multiple people that own physical gold, I guarantee you that their perception of gold, upon returning to America, would be drastically changed. They would be inclined to buy more gold just because of the sheep herd mentality that would make them much more comfortable purchasing physical gold after watching many of their friends and associates engaging in the behavior of buying gold for an entire year. Though in China, this herd behavior happens to be correct, just because everyone is doing the same thing, does not by default, make it the correct behavior. In fact, in investing, just the opposite is normally true. When everyone is doing (or not doing) the same thing, they almost always are wrong. Think of US hedge fund manager John Paulson and his enormous coup of earning $4 billion of profit for himself in 2007. Paulson stood on the opposite side of the subprime mortgage bet from the rest of all of Wall Street. Regarding a recent book based entirely upon Paulson’s enormously successful bet to short the US housing market, one reader stated: “The most amazing thing is that no one seemed to believe [Paulson] until the market crashed and by then it was too late.” Though Paulson was a lone wolf among very few lone wolves that existed at the time regarding his beliefs that the subprime mortgage market would crash and burn, he ended up being right and all of Wall Street ended up being wrong. With buying physical gold, it will also pay to think like a lone wolf if you are a Westerner.

However, here’s the lesson most investors still refuse to learn about Paulson’s enormously successful investment play. The majority of investors never take the next crucial step of investigating the reasons why no one believed Paulson’s comments about the US housing market. If they did, they would discover that the reason nobody believed in Paulson’s enormous bet back then was due to the propaganda of bankers like Ben Bernanke and politicians that assured the American people that the housing market would be fine. Many times the masses immediately accept a person’s statement as truth with no critical analysis of that statement just because that person is a public authority figure. But how naïve would you have to be to believe President Obama’s recent statement on the American TV show 60 Minutes that “[he] did not run for office to be helping out a bunch of fat cat bankers on Wall Street.” Goldman Sachs’s Political Action Committee was the second largest contributor to President Obama’s election campaign, so were it not for the money of “fat cat bankers”, Obama may very well not even have been elected as President in 2008. Knowing this, do you really believe that Obama has zero obligations to the second largest contributor to his political campaign?

Furthermore, were you to merely analyze President Obama’s financial decisions since he has taken office, the disingenuous nature of his above comment would be readily exposed. Almost every single financial policy decision of his administration has benefited “fat cat bankers” to the detriment of everyday US citizens. Again, those blinded by political or racial loyalties at the expense of logic will be sure to foolishly digest my statement as a politically-biased statement though there is no evidence to support that conclusion. Any reader can easily check my past history of public statements and discover that my criticisms of the foolish monetary and fiscal policies of the Clinton and Bush Administrations are just as numerous as my criticisms levied against the Obama Administration. If you are serious about never wanting to be fooled or bamboozled by a politician again, then never look to a politician’s words, but only to his or her actions, to unearth a politician’s true character and nature. Only a fool would ever accept a politician’s words as an accurate representation of a politician’s intent.

Likewise, you would be very wise to apply the above maxim to bankers as well. Investors should look towards bankers’ actions and not their words when trying to decipher their intent. Bankers are responsible for the propaganda that gold is a barbarous relic. Bankers are responsible for the propaganda that gold is a cumbersome asset to own because it pays no interest. These are their words. Yet if you look toward their actions, Central Bankers all over the world were net buyers of gold this past year. Shouldn’t that alert you to the fact that bankers are a bunch of conniving liars in everything they tell the masses about gold? When Paulson first assumed his position shorting the subprime mortgage market, it was not only bankers, but also chief executives at large commercial investment firms that derided him, stating that the subprime mortgage market would be fine. I personally heard many of the same criticisms when I started telling people to buy physical gold six or seven years ago – that I was crazy for thinking that the US dollar would get into trouble and that the US dollar would be fine, that owning gold was a stupid and foolish investment. People actually laughed at me for buying gold. A top investment strategist at Citigroup stated that gold was a bubble in 2005 when gold reached $500 an ounce. And now, even though the gold critics have been wrong now for eight years in a row now, they still use every gold correction as an opportunity to deceive Americans into believing that gold is a bubble and about to collapse. And amazingly, Americans continue to look not towards bankers’ actions but to their words only. The overwhelming majority of Americans believe the bankers’ WORDS that the US dollar will be fine, and foolishly point out every bear rally in the US dollar as proof that the dollar will be fine.

Ninety-five percent of what I’ve heard financial advisers state about gold is wrong. 
Ninety-five percent of what I’ve read in the public domain about gold is wrong. 
Ninety-five percent of what I’ve read from the Western media about the US dollar is wrong. 
And ninety-five percent of the arguments I’ve read against owning gold, even when filled with supposed “facts”, are wrong.

Many of the arguments against gold sound convincing, even though they are deeply flawed because erroneous data are used to produce flawed conclusions. But this is the very definition of propaganda – arguments that use erroneous data presented as “facts” to draw convincing conclusions that are highly flawed, though to the undiscerning eye, they seem quite logical. The reason that bankers have always spread so much propaganda about gold is because gold is the kryptonite of bankers. Gold allows people to preserve their wealth against their fiat currency debasement schemes.

Hank Paulson, in testimony before Congress, stated that it was necessary to bail out Goldman Sachs through the bailout of AIG because the people, “were unhappy with the big discrepancies in wealth, but they at least believed in the system and in some form of market-driven capitalism. But if we had a complete meltdown, it could lead to people questioning the basis of the system.” If Americans really wanted to expose the fraud of the entire financial system, all they would have to do is to put just a tiny part of their entire savings into physical gold. If all Americans put perhaps as little as 5% of their entire savings into physical gold, this would likely be more than adequate to expose the fraudulent basis of the financial system by which firms such as Goldman Sachs reap such ungodly profits year after year. What frightens the bankers the most is the possibility that people will fully understand the basis of the system, and this is why Western Central Bankers continually wage so many disinformation campaigns against gold.

Consider this story about HSBC and its retail gold clients that was reported last month: “The British bank, which has sizeable vaults underneath its US headquarters overlooking Manhattan’s Bryant Park, has told retail customers – many of whom are middle-men and custodian services which store gold with HSBC on behalf of hundreds of their own clients – that all their gold must be out of its facility by July 2010. The decision has seen fleets of armoured cars laden with gold ferrying the precious metal out of New York. An HSBC spokesman declined to comment, but it is understood that the increased demand for physical storage of gold by corporate clients is behind the move to end the retail service, which HSBC inherited when it took over Republic Bank a decade ago.” With banks, it’s never about doing what’s best for their clients. It’s always about what’s doing what’s most profitable for their executives. For HSBC’s individual retail clients that were intelligent enough to own gold, HSBC most likely realized that larger, much more profitable relationships could be built with corporate clients that wanted to buy gold versus their retail clients. Thus, their retail clients got the axe despite the fact that HSBC knew that such a decision would be incredibly inconvenient for them.

Just as was the case with subprime mortgages when almost all of Wall Street got it wrong, the only reason anyone believes that gold is a bubble today is because people have forgotten how to think for themselves, foolishly believe that there are not hidden ulterior motives behind the beliefs spouted by Wall Street, and for some inexplicable reason, still internalize and accept all banker propaganda against gold while at they same time, they claim to distrust them. That’s why no matter how much further gold drops before this correction ends, if you don’t make the move to buy physical gold if you don’t own any, you will look back with regret five years from now and realize that you missed an unbelievable opportunity. 

source: the underground investor

Sunday, December 13, 2009


Schedule of Public Gold Seminar:

          Day        Date          Time                           Town Venue

  1. Sat       19.12.09    8pm-10pm     Sungai Petani Park Avenue Hotel
  2. Sun      20.12.09    8pm-10pm     Butterworth Pearl View Hotel
  3. Sat       26.12.09    8pm-10pm     Kota Bahru Grand Riverview Hotel
  4. Sun      27.12.09    8pm-10pm     Kuala Terengganu Ming Star Hotel
  5. Sat       02.01.10    8pm-10pm     Johor Bahru J. A. Residence Hotel

Details of Venue:

Park Avenue Hotel
Jati room,Level 2
E-1 Jalan Indah Dua, Taman Sejati Indah,
08000 Sungai Petani, Kedah.
Tel: 04-431 7777

Pearl View Hotel
Pearl 6 (Level 5)
Jalan Baru, Seberang Prai,
13700 Butterworth, Penang.
Tel: 04-398 9888

Grand Riverview Hotel
Dewan Congkak (1stFloor)
Jalan Post Office Lama,
15000 Kota Bharu, Kelantan.
Tel: 09-743 9988

Ming Star Hotel
Dewan Tanjung 2 – Level 1
217, Wisma Cemerlang, Jalan Sultan Abidin,
20000 Kuala Terengganu, Terengganu.
Tel: 09-622 8666

J. A. Residence Hotel
(Formerly known as the Compact Hotel Johor Bahru)
Hall J.A. Residence
18, Jalan Wong Ah Fook,
80000 Johor Bahru, Johor.
Tel: 07-221 3000

Friday, December 11, 2009

Zakat emas perhiasan, apa dalil dan hujahnya?

Ada orang yang mengaji fikah, mungkin mempertikaikan kenapa LZS mengenakan zakat ke atas emas yang dipakai. Bukankah ada ulamak fikah yang membolehkannya bahkan pandangan yang kuat daripada Mazhab Syafie juga tidak mewajibkan zakat ke atas emas yang dijadikan perhiasan wanita.
Nah! Mari kita telusuri perkara berikut.

Persoalan di atas adalah dia antara soalan yang agak popular di kalangan muslimah. Mereka mempunyai anggapan bahawa emas perhiasan yang dipakai di tubuh mereka langsung tidak payah diambil kira dalam taksiran zakat. Jika saya memberikan jawapan, maka saya selalunya mengambil pendekatan mudah. Jawapan saya: “Dalam Islam, Islam sememangnya meraikan fitrah dan naluri wanita yang inginkan perhiasan. Wanita dan emas sudah sebati. Mana ada orang perempuan yang tak gemarkan perhiasan.
“Namun begitu, Islam juga mahu agar dalam berhias agar tidak terlalu melampau dan membawa kepada berlebih-lebihan. Maka itulah, di Selangor kita menggunakan kaedah emas yang dipakai wajib dizakatkan apabila ia melebihi daripada kadar kebiasaan pemakaian atau dipanggil ‘uruf’. Uruf ni pula berbeza-besa mengikut negeri. Di Selangor urufnya berdasarkan berat, iaitu 800 gram emas. Maknanya, jika ada orang perempuan yang memakai emas melebihi 800 gram, maka wajiblah zakat ke atas emas yang dipakai itu.”
Ramai juga yang terkeliru, apakah maksud dipakai? Mestikah dipakai emas itu sepanjang masa, yakni sepanjang tahun agar ia menjadi cukup hawl?

Jawapan saya: “Jika puan-puan pakai emas itu sepanjang masa, bayangkanlah…800 gram emas, hampir sekilo beratnya. Maka, bayangkanlah betapa beratnya jika ia tersangkut pada tubuh badan kita. Mahu melelong jika berjalan.
“Sebenarnya, yang dimaksudkan dengan dipakai itu ialah, emas berkenaan dipakai walaupun hanya sekali dalam tempoh setahun. Namun, sekali itu ialah pemakaian yang menepati maksud pakailah. Bukan main ambil cincin atau subang, sarung kejap, ketik kejap kat telinga lepas tu buka balik. Itu bukannya pakai. Maksud pakai ialah kadar biasa dipakai. Mungkin ada orang pakai sejam sebab nak pergi kenduri, lepas tu buka balik. Itu pun dikira emas yang dipakailah.”

Sebenarnya para pembaca budiman sekalian, memang ada dua pendapat di kalangan ulamak mengenai zakat emas perhiasan yang dipakai ini. Antum boleh rujuklah dalam mana-mana kitab fikah yang banyak ada di perpustakaan itu. Di sini saya cadangkan satu, iaitu Kitab Ensaiklopedia Fiqh Wanita (Puasa dan Zakat) karangan Dr Abd al-Karim Zaidan atau dalam edisi Arabnya al-Mufasshal fi ahkam al-Mar’ah wa al-bayt al-Muslim fi al-Syari’ah al-Islamiyyah (mak aih…panjangnya tajuk kitab), terbitan Mu’assasah ar-Risalah, Beirut, Syria.
Kitab ini menarik kerana ia membahaskan hukum seputar zakat berdasarkan kepelbagaian mazhab fikah, tak tertakluk kepada as-Syafie sahaja. Pada Jilid Ke-2 kitab ini, ada dibahaskan: ‘Adakah perhiasan yang digunakan oleh wanita tidak wajib dizakatkan?’
Sesungguhnya perbezaan pendapat dalam bab perhiasan wanita yang dipakai ini dapat kita rujuk kepada dua pendapat.
Pertama, pandangan yang mewajibkannya yang dikeluarkan oleh Umar bin al-Khattab, Abdullah bin Mas’ud, Abdullah bin Abbas, Abdullah bin Amr bin ‘Ash, Sa’id bin al-Musayyab, Sa’id bin Jabir, ‘Atha’, Mujahid dan lain-lain lagi. Mazhab Hanafi, Zahiri dan Zaidiyah juga menyokong pendapat ini.
Kedua, pendapat yang mengatakan emas yang dipakai sebagai perhiasan maka tak wajib zakat ke atasnya, sebagaimana yang dikeluarkan oleh ‘Abdullah bin Umar, ‘Aisyah, jabir bin Abdullah, Anas bin Malik, Asma’ binti Abu Bakr dan beberapa orang lagi. Mazhab Maliki, Hanbali dan pendapat yang ketara daripada Syafie dan Ja’fariyyah juga mendokong pendapat kedua ni.

Mari kita lihat, apa dalil pendapat pertama.
1. Mereka menyandarkan kepada firman Allah SWT di dalam at-taubah ayat 34: “…dan orang-orang yang menyimpan emas dan perak dan tidak menafkahkannya pada jalan Allah, maka beritahukanlah kepada mereka seksa yang pedih.”
2. Juga daripada sabda Nabi SAW: “Keluarkanlah zakat harta kekayaan kamu sekalian agar menjadi bersih jiwamu.”
3. Perhiasan wanita adalah lebihan daripada keperluan asasi.
4. Juga pelbagai dalil daripada al-hadis yang lain yang mana kesimpulannya, emas dan perak yang dijadikan perhiasan adalah lebih awla untuk dizakatkan.

Manakala pendapat kedua pula membawakan hujah-hujah:
1.Hadis Nabi SAW: “Tiada zakat dalam perhiasan.”
2.Riwayat ‘Aisyah dan anak saudaranya yang tidak mengeluarkan zakat daripada perhiasan.
3.Perhiasan untuk wanita adalah dibolehkan agama untuk wanita maka ia tidak wajib dizakatkan sebagaimana lembu yang digunakan untuk berladang tidak dikenakan zakat ternakan (atas illah ia bukan harta yang berkembang – an-nama’).
4. Juga beberapa pandangan sahabat yang lain.

Kesimpulan oleh Dr Abdul Karim Zaidan, beliau sebenarnya lebih cenderung kepada pandangan kedua, iaitu tidak dikenakan zakat ke atas emas atau perak yang dijadikan perhiasan wanita. Ini kerana, beliau berpandangan:
1. Demi kelestarian perkahwinan, maka wanita perlu menjaga penampilannya dan berhias adalah satu tuntutan. Termasuklah dalam hak memakai emas ini demi sentiasa menambat hati si suami.
2. Untuk mendorong wanita berhias ialah apabila zakat tidak dikenakan pada emas yang mereka pakai, jika dikenakan juga zakat, maka hilanglah keghairahan mereka untuk berhias bagi mendokong perkara 1 di atas.

Kesimpulan saya pula yang tak berapa pandai ni, sebab itulah di Malaysia khususnya kita menggunakan kaedah MELEBIHI URUF baharu diwajibkan zakat. Ini kerana, jika si wanita sekadar memakai emas perhiasan yang tidak melebihi uruf, maka itu adalah biasa. Sekadar sebentuk dua cincin di jari tangan, seurat dua rantai di leher, dua pasang anting-anting…masih dianggap biasa. Tetapi jika sudah sampai ada peti khas, sampai dah tak ingat yang mana satu sudah dipakai yang mana belum dipakai, itu sudah masuk bab berlebih-lebihan dan bagi saya, wajarlah dizakatkan. Hal ini selaras dengan firman Allah di dalam al-Quran, surah al-Baqarah ayat 219:
“Dan mereka bertanya kepadamu apa yang mereka nafkahkan. Katakanlah: ” Yang LEBIH dari keperluan.” Demikianlah Allah menerangkan ayat-ayat-Nya kepadamu supaya kamu berfikir.”



Wednesday, December 9, 2009


Telah 3 hari berturut-turut harga emas menunjukkan penurunan yang ketara.Daripada pendakian setinggi lebih USD1226/oz,kini emas terjelepuk pada harga USD1125.30.Secara kasarnya,penurunan ini adalah sebanyak 8.2%.

                                                      Carta Kitco menunjukkan trend harga emas sedang menurun.

Adakah anda PANIK?

Bagi saya jangan panik dan kecewa walaupun harga emas menunjukkan trend menurun.Diantara faktor yang menyebabkan harga emas merosot adalah :

(a)pengukuhan matawang dollar Amerika disebabkan krisis ekonomi di Dubai dan Greece.
(b)pelepasan pegangan emas atau penjualan dan pengambilan untung jangkamasa
     singkat yang berleluasa bagi pelabur yang panik.

Hakikatnya,jika diambilkira jangkamasa panjang,pelaburan serta harga emas masih lagi meningkat berbanding penyusutan nilai matawang.Pelaburan emas bukanlah semata-mata untuk membuat 'keuntungan cepat',yang pastinya,penyimpanan emas dapat mengekalkan dan terjamin daripada terhakisnya kekayaan disebabkan inflasi.

Apa yang perlu anda lakukan?

Jika sebelum ini anda terkilan tidak sempat memiliki emas disebabkan kenaikan harga emas yang terlalu mendadak,maka,inilah peluang terbaik untuk memiliki emas.Inilah masa yang sesuai untuk memiliki emas disebabkan harga emas telah turun.Bagi mereka yang telah mempunyai emas pula,janganlah gelabah.Inilah masa terbaik anda untuk membeli emas lagi.Tambahkan koleksi simpanan emas anda.Bagaimana nak membeli,semua wang dah habis membeli emas dulu.Jangan lepaskan peluang harga emas turun,dengan membeli lagi emas dengan cara memperolehi wang dari sistem Ar-Rahnu.Gadaikan emas anda.Dapatkan 65% wang dari nilai marhun emas anda,beli lagi emas.Dengan cara ini,anda dapat menambah jumlah berat emas anda biarpun emas yang terdahulu berada dalam pajakan/gadaian.

Bagaimana sekiranya harga emas terus jatuh?

Ulangi lagi langkah diatas.Mesej yang jelas disini ialah kita terus meningkatkan jumlah simpanan emas bilamana harga emas semakin jatuh.Harga emas pasti melonjak kembali berdasarkan faktor-faktor berikut:

(a)Pelabur baru semakin ramai memasuki pasaran bilamana harga emas jatuh.
(b)Permintaan terhadap penggunaan emas yang sermakin meningkat dalam bentuk barang
     kemas,peralatan elektronik,dan lain-lain.
(c)Kos menebus-guna emas yang tidak berbaloi terhadap emas yang telah digunakan
     menyebabkan emas akan terus berkurangan.
(d)Tidak semua penyimpan emas akan menjual emas bilamana harga jatuh.

Apa yang perlu dibuat sekiranya harga emas melonjak semula?

Salah satu emas yang berada didalam simpanan harus dijual dan wang dari hasil jualan emas tersebut digunakan bagi menebus kembali satu per satu emas yang berada dalam gadaian Ar-Rahnu.

Kesimpulan dari trend naik-turun emas ini menunjukkan bahawa pelaburan berbentuk emas memberi keuntungan dalam jangkamasa panjang.Mana mungkin harga emas merudum terus dalam keadaan ekonomi inflasi,harga barangan kegunaan harian semakin meningkat,stok simpanan minyak mentah dunia semakin susut,peningkatan bilangan penduduk dunia yang semakin bertambah,dalam mana permintaan terhadap emas semakin bertambah.

Saya bukan pakar emas tetapi peringatan dari Rasulullah S.A.W. pasti berlaku....diakhir zaman tiada apa yang bernilai didunia ini kecuali emas dan perak.Bilamana harga emas meningkat terlalu tinggi,ramai yang tidak mampu untuk memilikinya,maka perak akan turut berharga mengiringi emas.Akhirnya emas dan perak akan jadi matawang untuk dunia bertransaksi.Seiring dengan kebangkitan negara di Timur dan seterusnya Islam akan kembali menjadi pegangan manusia.

Saturday, December 5, 2009


Many people ask when is the best time to buy gold as the price keeps changing, almost on an hourly basis. Currently the gold price is on an upward trend and

Sometimes there is a "trend" either upward or downward. You see on the news each day the price of gold fluctuating. Usually measured in terms of the US dollar per ounce.

But what is really happening here?

What does this really mean?

Gold Trends
The gold trend goes up and down in relation to the value of the dollar. The value of gold does not actually change very much at all. In fact if you checked back through history you would see that the value of gold over the past 200 years has hardly changed at all compared to the value of other goods. One ounce of gold today will purchase almost the same amount of goods as it did 50 years ago. The only change is actually the value of the currency not the gold. Inflation, recession (to use a popular word), all affect the value of the fiscal currency but generally do not affect gold.

The value of one ounce of gold, for example in the year 1800 was around $19-20US per ounce. These days it is in the 900 plus per ounce range, and rising. The large fluctuation as a direct result of the value of the decreasing.

The Value of Gold
A good example of the decrease in the value of the dollar, despite, or perhaps because of it, is the increase in the quantity of dollars being printed, According to the consumer price index What cost $20 in 1800 would cost 216.86 dollars in 2005. Also, if you were to buy exactly the same products in 2005 and 1800, they would cost you $20 and $1.85 cents respectively.

If the government decided top return to the gold standard and back every dollar by gold, there is so much printed dollars floating around now that it would take a good 50,000 dollars per ounce to ensure each dollar is backed by gold.

This could still happen and the government can still bring back the 1933 legislation to stop US citizens from owning gold if they wished. It would be very difficult to enforce and administer of course but there are other ways to do so. Buy back the gold using more printed money which becomes even of less value in terms of buying goods and services.

Michael Kosares, of USA Gold, notes the severe declining power of the US dollar in "Disturbing Trends".

And then, in stark contrast is the value of gold going up as the dollar goes down.

This explains why people purchase more gold during a recession when the value of the dollar (or whatever other fiscal currency they use) decreases in value. The value of the gold does not. Gold keeps it’s value and has done so for hundreds of years in fact.

When to Buy Gold
So what is the answer to the question. When is the best time to buy gold?

The best time to buy gold is right NOW! In fact it is always the best time to buy gold. If you were to purchase a small amount of gold bullion each month for the next 5 years, you would still beat inflation hands down.

GOODBYE EUROPE ... HELLO "EURUSSIA"... and "hello Gold!"

Alex Wallenwein,APRIL 2003 :

Forget about Bush's "axis of evil." Iran, Iraq, and North Korea are mere molehills in the current foreign policy landscape.

There is a groundswell of changing alliances in the making. It's already obvious manifestations are staring us right in the face - but we continue to talk and think as if the map of Europe was still composed of many differently colored splotches as it always had since WWII.

What formerly were friendly nations have become hostile elements of a newly emerging, competing power bloc. The major players in this regrouping of decades-old alliances are busily forming a new "axis", and after being publicly humiliated in the foreign policy arena for their blatantly pro-Saddam stance in the run-up to the US invasion of Iraq, they are about to turn the tables on the US, but this time on the economic battlefield.

The world has changed.

But it has not changed because of the US invasion of Iraq. Rather, the invasion and subsequent "liberation" of Iraq by coalition forces has only served to highlight the near-completion of a change that was in the making long before 9-11.

The international alliances most of us have grown up with and have learned to take for granted are now simply dead. They no longer exist, save in words only. Germany no longer is an ally of the United States. France probably never was, but now doesn't even feel the need to pretend anymore. Both countries now feel more sympathy and commonality with such benevolent regimes as Russia and China, with pre-war Iraq, Iran, Libya, Saudi-Arabia, and the Palestinian Authority, rather than with their old buddies, the US and Israel.

What changed them?

For one, these two European states are no longer "countries" in the classical sense. They have assumed a new, larger identity. They have divested themselves of key elements of their former national sovereignty, such as the power to determine who and what comes in and goes out of their borders, their own national currencies, and important trade decisions. They are now elements of what they perceive to be a pan-Eurasian axis.

As such, they feel they are destined for greater things in the world of men. No longer are they to chafe under the heavy burden of viewing themselves as having once been "saved" by the US from communist Russian aggression (in the case of Germany), or German aggression (in the case of France). Now, together, they are a force to be reckoned with, they think, a power of their own. As the saying goes: one finger can be broken, but five fingers make a fist.

They now have a super-currency, the euro, which further reduces any sense of national identity (and apparently causes widespread amnesia of their national histories as well).

Judging from the alliances they have forged, they apparently also lost any sense of who their natural allies vs. their natural predators are. As recent history shows, they are willing to embrace brutal, murdering dictators and totalitarian regimes, "trading with the enemy" so to speak, while acting and talking as if the US was their foe.

Well, in a way it is, although the word "foe" may be a bit too harsh. Let's say the word is "adversary" or "competitor."

But, competitor in what?

Power - and it's little brother: money. For their new common currency, the euro, has taken on a characteristic that puts it into direct conflict with the US dollar.

The dollar is a purely debt based currency with an adverse relationship to gold. Gold is the dollar's nemesis. When the gold price goes up, confidence in the dollar decreases and people start selling dollars.. It's usually a sign of impending or prevailing inflation.

The euro, on the other hand, has a "positive" relationship to gold. The European Central Bank, and all the euro member's central banks, value their gold reserves quarterly at actual market prices. That means, as the price of gold goes up, the value of their currency goes up as well, and by signing the "Washington Accord" in 1999 they have announced to the world that the dollar's gold-suppression jig is up.

The dollar is still hamstrung by being tied to an artificial, government-decreed, quasi-official price of gold at the whopping rate of $42.222 per ounce. [See Title 31, United States Code, Section 5117(b).] Obviously, with the market price of gold currently above $330, that "official price" has nothing to do with the realities of the gold market. It is actually a remnant of the gold standard days when every dollar was immediately convertible into gold on demand, at a stated rate.

Being thus tied down, the US government and banking elite can never afford to let the price of gold float freely according to actual market forces (yes, that old, worn-out "demand and supply" thingy. Gets you all the time!)

This little difference in the valuation of gold makes the euro the undisputed, hands-down future winner of the euro vs dollar conflict. Well, not really the future winner anymore. The euro has already delivered its knock-out punch. What you are witnessing is the agonizingly slow fall of the US dollar giant to the floor of the boxing ring. It's just too early for the count.

Without going into the intricate details of the relationship, the euro's guaranteed future success can best be explained this way: free market forces can never be violated with impunity for a very long time. They always reassert themselves - sooner or later.

The euro was constructed to take advantage of free market forces - especially the free market of gold. The dollar is anchored in a useless, repressive scheme that cannot allow market forces to prevail vis-a-vis gold.

Ergo, the dollar is doomed.

And that is precisely the cause for the cold shoulder central Europeans are currently showing the US. They know they got the dollar "bagged," and the dollar's past and current reserve-currency status makes it an extremely worthwhile target for them, indeed.

Once it is replaced as the world's reserve currency, the dollar - and with it the United States - will cease to be a world superpower. Such is the calculation of Europe, and that calculation drives it directly into the arms of Mother Russia.

Of course, mother Russia welcomes Germany and France. Soon mother Russia will swallow (uhhum, "join") greater Europe. When Russia and Europe merge, merge they surely will - but not in the way Europe anticipates. Russia will be the last one to laugh. She could not compete with Reagan's America militarily or economically. Now she simply sits back and watches Bush's America exhaust herself fighting the price of gold - a fight which strengthens the euro at every turn.

The more America struggles, the more the euro's noose tightens around her neck. And the Russian bear sits back, ready to devour the certain winner.

America is like a sheep, still oblivious of the euro-pean threat, grazing happily on the greenback's still-lush pastures. And Europe is like a splendid salmon in the river of economic life, swimming and jumping mightily toward what it believes to be its ultimate destination, blissfully unaware of the bear that waits, one paw raised, a frozen statue of cunning and death.

Alright, enough melodramatics. The bottom line is: when the euro defeats the dollar and America crumbles, Russia will devour Europe, China will devour Asia, and then both will probably fight over the scraps that remain of America.

And all of America's current military might will lay waste when the international currency reserve dollars return home, causing hyper-inflation and economic havoc. There will be no more financial power to pay for expensive military campaigns. All of her recent victories in Afghanistan and Iraq will be forgotten, unless ...

... unless Sir Alan "Greenspin" and George W. Bush wise up and take the lid off the gold price, let the dollar ride its inevitable ascent, and retain a chance to compete with the euro for world reserve currency status on a more even playing field.

It would truly be ironic if the US, the country that always harped on other countries' needs to adopt more "free market" strategies, should do itself in by fighting free market forces, while the "free gold" euro becomes the currency of socialist and totalitarian regimes of the world - and defeats the supposedly free-market, capitalist United States in the process.

Well, nobody could ever say that God doesn't have a sense of humor.

And who is the total, undisputed winner in this contest?


As the dollar crumbles and loses its control of the price of gold, the yellow metal will soar to heights theretofore unimagined. Nothing will stop it. All economic forces will aid it in its ascent to investment orbit, where it will stay for many years to come, cruising the outer ionosphere of the financial continuum because, at that time, gold will be favored by the money powers of the world including - of all creatures of the human mind - the world's most powerful central banks.

For then, a rising gold price will boost their collective reserves, and therefore their currencies' values, not undermine them as has been the case before the euro's advent.

Gold will be free, and the dollar will be dead: so be careful where you put your money !

April 30, 2003

US Dollar Strength, Weakness and the Price of Gold: A Primer

When the US Dollar gets stronger, it takes fewer dollars to buy any commodity that is priced in $USD. When the US Dollar gets weaker it takes more dollars to purchase the same commodity.

The price of all US Dollar denominated commodities, like gold, will change to reflect the fact that it will take fewer or more dollars to buy that commodity. So it’s quite possible, in fact it’s almost always the case that a portion of the change in the price of gold is really just a reflection of a change in the value of the US Dollar. Sometimes that portion is insignificant. But often the opposite is true where the entire change in the gold price is simply a mathematical recalculation of an ever-changing US Dollar value.

When the dollar gets strong, gold appears to go down, and vice versa. That accounts for part of the fluctuations that we see in the value of gold.

The other part is an actual increase in the supply or demand for gold. If the price is higher when being measured not only in US Dollars, but also in Euros, Pounds Sterling, Japanese Yen, and every other major currency, then we know the gold demand is higher and it has actually increased in value.

Consequently, if gold is higher in US Dollars while at the same time cheaper in every other currency, then we can conclude that the US Dollar has weakened, and that gold has actually lost value in all other currencies. But the price, because it is being quoted in $USD will be higher and give the illusion of gold becoming more valuable. In such a case the devaluation of gold, due to increased supply on the market, is camouflaged by a weakened US Dollar.

Our feature on breaks the change of the price of gold into 2 components. One part shows you how much of that change can be attributed to US Dollar strength, or lack of it. The other portion is indicative of how much the price changed as a result of normal trading. Interestingly whatever changes happen to the price of gold as a result of US Dollar strength/weakness also occurs to every other US Dollar denominated commodity by the exact same proportion.

Wednesday, December 2, 2009


Hari ini dalam sejarah lagi.Harga emas telah melepasi paras USD1200/oz buat kali pertama hari ini.Jika prestasi serta trend peningkatan harga emas berterusan seperti tahun 2009,seperti En.Shukor dalam artikel terbarunya,(kenaikan harga emas 37% sejak Jan'09),saya juga berani meramalkan harga emas mampu mencecah USD1700/oz pada penghujung 2010.

Lagi sekali perhatikan kata-kata petikan dari Robert T.Kiyosaki,"orang yang bertuah membuat untung ketika membeli bukan ketika menjual".Maka,belilah emas.Contohnya jika kita mempunyai impian untuk menggandakan wang simpanan dalam masa 2 tahun,maka laburlah dalam emas.InsyaAllah dalam jangkamasa 2 tahun akan datang,nilai harga emas yang dibeli pada hari ini akan berganda.

Lagi sekali...mengapa saya berandaian begitu?
Sebabnya ialah.....bagi orang yang dah membeli emas,akan menjadi bertuah ketika harga emas melonjak...hasrat untuk menambah koleksi emas juga akan bertambah...secara tidak langsung,permintaan terhadap emas akan tinggi.Permintaan yang tinggi terhadap stok yang terhad,akan meningkatkan lagi harga emas.Disamping lemahnya nilai dollar U.S. ketika krisis kekalutan ekonomi,harga emas akan terus menyinar seiring kilauan emas itu sendiri.

Carta kitco spot price USD1208.30/oz

Carta kitco spot harga RM4091.54/oz

Carta kitco spot price 3day24hour menunjukkan harga emas melepasi USD1200/oz