Mar 31, 2011

SEMINAR - APRIL 2011

Assalamualaikum wbt & Salam Sejahtera;



Seminar bulan April akan dijalankan oleh Dr Azahari Othman aka Dr Luv di seluruh negara... Siapa tidak kenal kenal dengan selebriti Dr Luv?



Lebih menarik, kami berada di bawah rangkaian pengedar yang sama. Beliau juga adalah dealer Public Gold di bawah Rangkaian EmasKini... sama seperti saya... tak caye? sila semak di sini http://www.emaskini.com/agen

JOM... JOM... JOM...


Jom jumpa Dr Luv dan jumpa saya... saya akan hadir di Kuala Terengganu.


[ Nampaknya, kali ni dah tak buat di Hotel Ming Star... kita guna fasiliti baru.


Ya, pejabat cawangan baru Public Gold Kuala Terengganu :) ]




Semak jadual di bawah... semuanya FREE OF CHARGE.


# jangan persiakan peluang menimba ilmu... lebih-lebih lagi, ianya diberi secara PERCUMA...

NEW BRANCH OPENING - 15th APRIL 2011

Assalamualaikum & Salam 1 Malaysia;


Alhamdulillah....


Akhirnya, yang ditunggu-tunggu sudah tiba :)


New Branch Opening on 15 April 2011 in :


Kuala Terengganu

Kuching

Kuantan


Rakyat-rakyat bandaraya Kuala Terengganu sekelian...

jika sekiranya sebelum ini kalian ragu-ragu tentang kewujudan Public Gold...

jom kita heboh-heboh

kat new branch nanti ye...



Lepas ni, lagi cepat lah saya dapat deliver emas dan perak kepada semua...


Alhamdulilah, Alhamdulillah, Alhamdulillah :)



Nak order sekarang?

Boleh aje...

sms saya : 012-5353121 (Dilla)

Mar 29, 2011

JANGAN PANDANG SEBELAH MATA PADA YANG LEBIH MURAH

Assalamualaikum & Salam Sejahtera;

Jarang-jarang saya bercerita tentang SILVER, walaupun saya dah sudah mula menyimpannya sejak tahun lepas.. ini kerana, di kalangan masyarakat Melayu kita, silver jarang mendapat tempat di hati sesiapa pun... mungkin kerana harganya yang jauh lebih murah berbanding gold... maka, ia sekadar di pandang sebelah mata sahaja...


Walaupun demikian, hasil pemerhatian dan kajian saya sepanjang 1 tahun ini... saya perhatikan silver mempunyai potensi yang sangat besar. Jika tidak, masakan Public Fine Gold International Sdn Bhd melancarkan jualan silver bar sekitar Feb 2010 yang lepas.

Setelah memikirkan sehabisnya, saya cuba membeli sedkit silver bar sebagai percubaan.

Saya telah memiliki ketulan2 silver seperti di bawah, sahabat bila lagi?




Artikel yang diperoleh dari http://www.kitco.com/reports/KitcoNews20110328AS_silver.html ini menceritakannya...

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Industrial Use Of Silver Forecast To Rise To 665.9 Million Ounces In 2015

28 March 2011, 12:18 p.m.
By Kitco News
http://www.kitco.com/


(Kitco News) -The amount of silver used for industrial purposes is forecast to rise to 665.9 million troy ounces by 2015, which would be a 36% increase from the 487 million used in 2010, according to a report from the Silver Institute released Monday.

The report, The Future of Silver Industrial Demand, was produced on behalf of the Silver Institute by the precious metals consultancy GFMS Ltd. Industrial use of silver accounts the largest share of annual fabrication demand, the Silver Institute said.

The “base case” forecast from GFMS is predicated on what the consultancy sees as the most likely outcome for the global economy, the consultancy said.

“The report demonstrates how buoyant silver industrial demand is, not only because of the lack of substitution, but also because of the wide range of established and growing new uses that make up industrial demand,” said Michael DiRienzo, executive director of the Silver Institute. “This report maintains that we expect to see robust gains in industrial silver demand over the next five years, further emphasizing silver’s essential role in industry.”

The report identifies 11 still-new applications for silver, ranging from food packaging to radio identification tags to auto catalysts, which collectively could exceed 40 million ounces of industrial demand by 2015, said the Silver Institute.

The report also said that stronger silver industrial demand in the U.S. and Asia will be a key factor driving growth through 2015, with healthy developing-country demand especially in markets such as China and India.

Much of the forecast growth will come from established applications, such as silver’s use in electrical contacts and in the photo-voltaic market, the report said. The “technical proficiency of silver” limits the ability to switch in favor of lower-cost alternatives, making the metal largely price inelastic, the Silver Institute said.

The report recounted steady growth in industrial demand for silver for two decades now, interrupted only briefly by financial-market weakness in 2001 and 2008. Back in 1990, this demand stood at 273 million ounces, meaning it has already grown by 78% to 2010.

“Although it is important not to overlook the contribution from ‘new’ industrial uses of silver, it is also apparent that much of the growth in the global total will be driven by stronger demand for a number of established uses…,” the report said.

In particular, the GFMS report cited “electrical contacts,” such as in automobiles. This use has risen both due to an increasing number of cars around the world, as well as expanding end uses for contacts, from controlling windshield wipers and seat adjustments to managing navigation systems. The report also cited development of the photo voltaic industry, such as solar energy.

PV use of the white metal was developed over two decades ago, but until recently, silver offtake remained slight, the report said.

“The market for PVs then changed dramatically, as growing environmental concerns increasingly focused on generating power from fossil-free sources,” said the report. Such silver offtake soared from around 3 million ounces in 2004 to around 50 million ounces in 2010, said the report. “Further robust growth is also forecast for the PV industry, with silver demand in 2015 expected to more than double the already elevated total for 2010,” the report from GFMS said.



By Allen Sykora of Kitco News; asykora@kitco.com

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Jika dilihat dari rekod, simpanan silver pasti tidak mengecewakan. Jom tengok rekod kenaikan harga silver selama setahun.




WOWWW!!!... kenaikan harga dari USD17/os kepada USD37/oz (117.65%) dalam tempoh 12 bulan sahaja :)



SIlver bar 250g & Gold bar 250g

Jika dilihat dari mata kasar, nyata sekali gold bar kelihatan lebih menyerlah berbanding dengan silver bar... TAPI AWAS, jangan sesekali kita pandang rendah dengan komoditi yang dikatakan "future gold" ini....


Gold sangat sesuai sebagai simpanan jangka panjang (melebihi setahun). Gold juga bertindak sebagai pelindung aset & kekayaan... gold sangat senang di'cair'kan dalam pasaran...

Silver sangat sesuai sebagai simpanan jangka pendek... dalam setahun, sahabat sudah mampu lihat kenaikan harganya berbanding dengan gold... tetapi, silver agak sukar di'cair'kan di pasaran.


Oleh itu, belilah dari syarikat yang menawarkan perkhidmatan JAMINAN BELIAN BALIK, seperti Public Gold.


Sahabat faham maksud saya? Apalagi... JOM SIMPAN SILVER!

Berminat untuk dapatkan Silver Bar 250g, 500g atau 1kg? Jangan segan silu, hubungi saya 012-5353121 (Dilla) untuk lock harga... sila lihat CARA BELI pada bar di atas.

Mar 28, 2011

China’s Central Bank Recommends Gold For “Value Preservation”

China’s Central Bank Recommends Gold For “Value Preservation”

Mar. 26 2011 - 11:48 am

By ROBERT LENZNER

Believe it or not Ripley! The People’s Bank of China(PBOC) recommended yesterday that 1 billion Chinese consider buying gold as a hedge against inflation and to preserve values in a world where currencies can fall. The PBOC Financial Markets Review came out just as several major currencies were indeed declining in value against gold; the dollar,1%, the Swiss franc,2.5%, t he British pound, 2%, and the Japanese yen, 2%.

Wow! Be like the Fed telling you to buy oil stocks or crude oil futures due to expectation higher gasoline prices this summer.

So, add the PBOC to other secular influences on the price of gold; namely the conflict in Libya, the European sovereign debt crunch, the developing nuclear disaster in Japan and the extraordinary political unrest in Syria, Yemen, soon traveling to other Middle Eastern capitols. All unexpected by financial market analysts.

And whoever could conceive in their wildest fantasies that 12 states of the union- including New Hampshire, Vermont, Colorado, Indiana, South Carolina and Washington would propose to allow their citizens to use gold and silver coins as legal tender. Gold and silver coins to pay your rent, grocery bills and taxes.

And did you now that gold was selling quite well to ordinary citizens of India at 466 post offices on the subcontinent. Or that India has public companies that offer credit to people wishing to buy gold or silver. Loans to buy gold and silver.

No wonder gold equities were up 5.07% last week, though bullion only rise 0.75%.

Where to now for gold? Goldman Sachs says $1565 in 6 months and $1690 in 12 months. That would be a nifty 18% in 12 months. Though, Goldman warns a short-term lift could spark profit-taking. Hasn’t turned the big holders like Soros and Paulson and their brethren in hedge funds into liquidators yet. That will require Fed Chairman Bernanke to raise interest rates.

Source:http://blogs.forbes.com/robertlenzner/2011/03/26/chinas-central-bank-recommends-gold-for-value-preservation/

Server PG down

Assalamualaikum & Salam 1 Malaysia;

Server Public Gold down pulak malam ni....

Tapi, jangan risau...

Sahabat-sahabat boleh check harga melalui sms :

(i) Untuk check harga Dinar
- Taip Public dinar
- hantar ke 32828

(i) Untuk check harga Gold Bar
- Taip Public gold
- hantar ke 32828

PROTECT YOUR CASH

Article from : http://www.richwoman.com

Read articles hand-selected by Kim Kiyosaki for women just like you, and enrich your life and your mind.


Protect Your Cash
What does the history of money say about how you should handle yours today?

By: Kim Kiyosaki | 8/16/2010

Average Reader Rating:
Link: http://www.womenentrepreneur.com/2010/06/protect-your-cash.html


Happiness was the focus of my last column, "The Happy Entrepreneur." Why? Because so many people say, "I'd rather be happy than rich." My response? Why choose only one when you can have both? So this month, I'm focusing on the basics of money. How did money evolve to what it is today, and how does that affect how we handle our own money in the future?

The History of Money
Winston Churchill once said, "The farther backward you can look, the farther forward you are likely to see." To see what lies in our financial future, let's take a look backward through history.

In the early ages, many things acted as money; people would trade or barter their personal possessions for things they wanted. Livestock and crops were commonly traded objects. Later, spices, cowry shells, beads and grains were offered as items for trade. When I was in grade school I learned the story of North American Indians exchanging "beads and trinkets" in my history classes. The beads were actually made of clamshells and were called wampum.

The Story of Greece
In about 650 B.C., silver coins first appeared in Lydia (now Turkey). Coins of bronze and gold were then made in Greece, Persia and the Roman Empire. Athens, Greece--the world's first democracy and the world's first free-market system--is where gold and silver first flourished. Classical Greece is considered one of the great civilizations of all time. What caused this powerful civilization to fall?

As Greece prospered under its new monetary system, it got involved in a war that turned out to be much longer (22 years) and much more costly than anticipated. The country was running out of money to fund the war, so Athenians came up with a brilliant idea. They discovered that if you took 1,000 gold and silver coins and mixed 50 percent copper into them you could then create--and spend--2,000 coins! Up until this point anything you bought was priced based upon the weight of gold and silver. Now the gold and silver coins were a mixture of gold, silver and copper. There were more coins in circulation, but the values of those coins was less. As more funds were needed to pay for the war, less and less gold and silver went into the coins and a higher percentage of copper was used. Within the next couple of years the war was lost, money had become practically worthless and Greece collapsed. Rome rose up as the new great power.

The Story of Rome
Rome's story is not so different. Romans also added other metals, such as copper, into their coins. They went a step further and made the coins smaller. They also minted the same coins but put a higher face value on them. The coins eventually became no more that tin-plated copper or bronze. Because the Romans were able to make so much money with no real value to the money itself, the market was flooded with these coins. So now more and more money was chasing the same number of products, which drove up the price of products and led to massive inflation.

Because the economy was so poor, the government jumped in and put the unemployed to work by hiring thousands of new soldiers and creating numerous public works projects. The cost of paying these soldiers, funding the new projects and doling out welfare to the existing unemployed was too much for Rome to bear. It simply could not print enough coins to sustain the system. The Roman Empire was now in hyperinflation. The empire fell. As history repeats itself, you will see that debasing--or devaluing--the currency to pay for war, public work projects and welfare is a pattern destined for ruin.

Currency vs. Money
I am using the word "money," which at times is not accurate. Money has a value in and of itself. A gold coin today can be exchanged for just over $1,200 US for goods and services anywhere in the world. Money is always currency in that it can be used to purchase other items that have value. Currency, however, is not always money because it does not have value by itself. For example, pull a $20 bill from your wallet. Do you think that piece of paper you are holding is worth 20 dollars? No, it's probably worth about five cents as paper you can write a shopping list on. As Greece and Rome started mixing other metal into their coins, the coins became a currency, an agreed medium of exchange, with little to no true value of their own.

Let's look at how our current currency came into being.

Paper Currency
Paper currency first appeared in China between the 9th and 15th centuries. It ended badly for China when the amount of currency the country printed skyrocketed, causing severe inflation, and China's paper currency vanished. (Is this sounding all too familiar?)

In 1775 the first dollars were printed in the U.S. They were called the Continentals. They were created to finance the Revolutionary War. With no tangible value of their own they, too, lost their value and became worthless.

The Gold Standard
In 1816 England made gold the standard of value. What that meant was that the country could only have (or print) as much paper currency as it had physical gold in the country's supplies. In other words, the paper currency was backed by gold and could be redeemed or cashed in for physical gold. In 1900 the U.S. went on the gold standard, and by 1914 most of the world was on the gold standard. The price of gold was fixed at USD 20.67 per ounce.

In the U.S. the gold standard was suspended several times--twice during World War I and in the 1930s to fight off deflation.

The Gold Reserve Act
In 1933 and 1934 President Franklin Delano Roosevelt played a couple of games with gold and currency. The government had many outstanding contracts and obligations to pay back after the war. In order to keep from going bankrupt, here's what Roosevelt put into action:

On August 28, 1933, Roosevelt signed an executive order making it illegal for American citizens to own gold. People were required to turn in their gold in exchange for Federal Reserve Notes (dollars). The result was more gold reserves into the vaults of the U.S. government.

Roosevelt then enacted The Gold Reserve Act. This act increased the set value of gold from $20.67 per ounce to $35 per ounce. The purpose of this move was to devalue the dollar. That accomplished two things:

1.It made U.S. goods less expensive to buy in foreign markets.
2.It made the conversion of gold into U.S. dollars more attractive to foreign buyers. Instead of getting $20.67 for one ounce of gold, foreign buyers could now trade their gold for USD 35.00 per ounce.
The U.S. government now had more gold in its supplies, which meant it could hold or print more money. Plus, with the new price of gold now at $35 per ounce, it could print 35 dollars for every ounce of gold vs. the previous 20 dollars. The money supply could now be expanded.

Bretton Woods
In 1944, toward the end of World War II, 730 delegates from 44 countries gathered at the Mount Washington Hotel in Bretton Woods, N.H., to determine how to renew the economies of countries and live in peace as trading partners. A monetary system was established whereby rules and regulations were put into place for how countries were to conduct themselves in monetary affairs.

The Bretton Woods Agreement was born. It was decided that all countries would peg, or fix, their currency to the U.S. dollar. This meant that each country's currency exchange rate was set against the dollar. It was also decided that the U.S. would make the dollar redeemable in gold at a rate of $35 per ounce.

Fateful Year: 1971
Everything changed in 1971 when President Richard Nixon took the U.S. off the gold standard, which meant that U.S. dollars could no longer be redeemed for gold. Nixon did this because U.S. gold reserves had diminished greatly, and the government feared there would be a run on the existing gold supply. To avoid this, Nixon simply declared that the U.S. dollar would no longer be converted to gold. At a snap of his fingers, the global monetary system was changed forever. The dollar was no longer backed by gold. It was backed by nothing. It became what is known as a fiat currency. Fiat currency is paper money that the government declares to be legal tender, or money. It has no intrinsic value of its own. When the U.S. dollar was backed by gold, you could demand gold for your dollars. No longer.

Since the Bretton Woods system had pegged all the world's currencies to gold through the U.S. dollar, all currencies on the planet suddenly became fiat currencies. These countries had no say in whether or not to keep the gold standard. The U.S. made a decision, and others adhered to it because of the Bretton Woods Agreement. All currencies also became free-floating, meaning their exchange rates were no longer at a fixed, or set, rate. Exchange rates fluctuated based upon the supply and demand of the marketplace.

Today
Today all currencies throughout the world are fiat currency. They are backed only by the confidence of their citizens. The risk of fiat currency is that since it is not linked to any tangible reserves, the government can print as much of it as it wants. If, for example, the U.S. government continues to print at the rate it currently is, we face the possibility of great inflation, or hyperinflation. The dollar is only as good as the confidence people put in it. When you see the price of a loaf of bread go from $3 to $10 to $30, you'll quickly lose faith in the good old U.S. dollar, and our money could eventually become worthless.

Why is it important to look back at the history of money? It is said that history repeats itself. If that proves true, given your money today, I would ask two questions:

1.Is saving money, be it in a bank or in your underwear drawer, the smart thing to do? That dollar you are saving will buy you less in the future than it will today. Since 1971 the U.S. dollar has lost about 90 percent of its value. The 1971 dollar will now buy you 10 cents worth of goods. So, is saving those diminishing dollars really a secure strategy for your financial future?

2.If I don't save money, then what do I do? Wouldn't it be wise to put your money into things that historically go up in value as the dollar goes down in value? This is where you need to do your homework. For example, in the past 12 months, the price of gold has increased 35 percent and the price of silver has increased almost 40 percent. Ask yourself, "Are there other places I can keep my money (or my devaluing dollars) that make more sense in the long run for my financial security and well-being?"

Historically, the entire world has never been in the monetary situation it is in today. Individual countries have faced this, but never the world as a whole. The old money advice we grew up with does not work today. Pay attention to history, watch how things unfold today, and make smart decisions for your own financial peace of mind.

Mar 23, 2011

ILMU PERCUMA, SIAPA NAK BAGI?

Assalamualaikum; Salam 1 Malaysia;

Sebelum mula, pasti kita nak tahu lebih lanjut kan?

Jadi, kepada sahabat-sahabat yang berminat untuk mengetahui potensi emas dan perak sebagai simpanan/pelaburan yang selamat, bolehlah hadirkan diri ke seminar yang dianjurkan oleh Public Gold.

Kuala Terengganu :
Hotel Ming Star, 8.30pm - 10.30pm
23/03 : En Syukor Hashim
24/03 : En Fazli aka Pokli PWM

Kuantan :
Hotel Seri Malaysia, 8.30pm - 10.30pm
22/03 : En Syukor Hashim
23/03 : En Fazli aka Pokli PWM

Masuk PERCUMA. Bawak badan je... dengar betul-betul...

Saya sendiri pun bermula dengan mendengar apa yang En Syukor Hashim sampaikan di akhir tahun 2009.

Mana tahu, rezeki anda ada di sini :)

"Simpan emas... kalau boleh, biar lah sampai bila-bila... Simpan perak... tak perlu tunggu lama... harga cantik... jual aje"

Mar 22, 2011

SEJARAH

SEJARAH...
BAGAIMANA EMAS YANG DAHULUNYA DIJADIKAN MATAWANG,
KINI DIGANTIKAN DENGAN KERTAS

Sila ikuti, baca dengan teliti & fahami...
sampaikan kepada ahli keluarga, saudara-mara & sahabat andai...
di mana jua mereka berada....








KINI, EMAS KEMBALI MENGAMBIL MARTABATNYA...


Info ini saya kongsikan dari blog sahabat saya Rizal @ My Gold, My Wealth Protection http://mygold77.blogspot.com

Terima kasih Rizal.

Kepada sahabat-sahabat yang berminat untuk menyimpan emas dan perak,
boleh juga hubungi Rizal.













Mar 20, 2011

HARGA EMAS DIJANGKA MELONJAK MINGGU HADAPAN

Assalamualaikum & Salam 1 Malaysia...

Penurunan harga emas sepanjang minggu ini dikatakan akibat tsunami di Jepun... maka tersenyum lebar lah tokey-tokey emas... ambil peluang untuk re-stock banyak-banyak, selagi mampu...

Membaca berita yang ditulis oleh Debbie Carlson di bawah ini, maka semakin tersenyum lebar lah tokey-tokey emas...

Jom baca, apa yang Debbie tulis:

METALS OUTLOOK :
Mideast Unrest To Support Gold Next Week




18 March 2011, 2:16 p.m.
By Debbie Carlson
Of Kitco News
http://www.kitco.com/


(Kitco News) - The unrest in the Mideast is flaring again, sharing the news spotlight with the tragedy in Japan, and that is expected to underpin gold prices going into next week.

Sterling J. Smith, commodity trading adviser and market analyst with Country Hedging, said after gold’s break earlier this week on the devastation in Japan, the market is ready to rebound.

Gold did not act as a safe-haven during the Japanese earthquake, tsunami and nuclear worries. Prices fell during the early part of the week and analysts attributed the break to investors selling gold to raise cash in order to shore up positions in other markets that were falling after the news in Japan. By Friday, gold rebounded with other markets.

“There’s a little bit more risk appetite coming back into the macro theater and gold is benefitting from that,” Smith said.

April gold futures prices on the Comex division of the New York Mercantile Exchange settled at $1,416.10 an ounce, down 0.4% on the week. May silver settled at $35.058 an ounce, down 2.44%.

“We’ve come back nicely. We went down to $1,380 and people are willing to buy breaks. It’s still a bull market, although a more mature bull market,” said Frank Lesh, futures analyst at FuturePath Trading.

The most supportive factor for gold has been the unrest in the Middle East, Lesh said.

Gold prices saw an uptick after the United Nations Security Council authorized Thursday a ”no-fly” zone in Libya that included “all necessary measures” to enforce the decision. By Friday morning U.S. time, Libyan leader Moammar Gadhafi declared a cease-fire on its attacks on rebels seeking out oust him from more than four decades of power. Following the announcement, gold prices slipped from earlier levels.

Even though there is a cease-fire in Libya, violent protests have broken out in Yemen, where the government has declared a state of emergency, and Smith said there are plenty of other events for gold to help “fill the void.”

“With the tensions in the Middle East, it’s like playing ‘Whack-a-mole.’ (Tensions) settle in one region, only to pop up in another,” he said.

Currency volatility also underpinned gold, Lesh said. Central banks intervened jointly to stop the rise of the Japanese yen, the first time in 10 years, a move that was expected. Meanwhile the dollar has turned back down, supporting gold and other commodities. “People are still using gold as an international currency,” he said.

Over the course of the month, Smith expects gold to rise to the
$1,470 to $1,480 level.

Goldman Sachs said Friday in a research note that the pullback in gold prices following the devastation in Japan offers investors a chance to buy the yellow metal at lower prices. They said gold prices should continue to rally and they are maintaining their three-month target of $1,480.

Rich DeFalco, president, West Cooper Asset Management, also is looking for $1,480 in the next three months, calling himself “totally bullish right now.”

“Gold is still a good investment…. Why? Real interest rates in the U.S. are still negative,” he said.

For platinum group metals, though, Goldman said much depends on how Japan quickly can recover. PGM prices fell sharply this week because automotive manufacturing in Japan was curtailed. Goldman noted Japan is key to the global auto production. “Not only does Japan account for 12.6% of global automobile production, it also accounts for a large share of global industrial PGM consumption: 16.4% for platinum and 18.1% for palladium in 2010,” the bank said.

On the U.S. economic calendar for next week are new and existing home sales, durable goods and revision to fourth-quarter gross domestic product. Smith said there should be little here to affect metals.

While he is bullish on gold, silver is giving him some concern. “The (gold/silver) ratio is tightening to an area that I’m not comfortable with,” he said.


The ratio is around 40 and represents the number of ounces of silver it takes to buy an ounce of gold. When the ratio falls it’s because silver is outpacing gold.

He said silver’s price might be “overheating” and he cites action in copper for this view. Silver can be used as both a precious and industrial metal while copper is mostly used in fabrication. Recent price gains for both have reflected a rebound in global manufacturing, analysts said.

However, copper prices tumbled over the news from Japan and Smith pointed out the Chinese central bank said Friday lenders must raise reserve requirements. That will help slow down China’s high-growth economy and could curtail its commodity usage.

“We’re looking at a summer slowdown in copper use and it could go back down under $4 (a pound) to maybe the $3.70s. Heaviness in copper will weigh on silver,” he said.

He said he’s not necessarily looking for silver to correct, but said it might show more “sideways” action. Resistance for silver is seen between $35 to $35.50 and then around $36.



By Debbie Carlson of Kitco News dcarlson@kitco.com
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Dilla berkata :
PERINGATAN : Itu sekadar ramalan Smith...
Semuanya atas kuasa Yang Maha Esa... sangat beruntunglah jika apa yang dikatakan itu benar (kebiasaannya ramalan mereka benar belaka)..... jika tidak benar sekalipun, tidak mengapa.... emas tetap emas.... makin lama disimpan, ia makin berharga.... tunggu aje lah, pasti akan ada lonjakan harga yang seterusnya...
So, apa lagi... sesiapa yang masih belum mempunyai simpanan dalam bentuk emas dan perak, cepat2lah hubungi saya... saya sedia membantu anda untuk memulakan simpanan emas pertama anda :)


Mar 9, 2011

GOLD IS MONEY... THAT'S IT!

Gold is money, that's it!
~ JP Morgan

Although gold and silver are not by nature money, money is by nature gold and silver
~ Karl Max

The most important thing about money is to maintain its stability. You have to choose between trusting the natural stability of gold or the honesty and intelligence of members in the government. With due respect for these gentlemen, I advise you, as long as the capitalist system lasts, to vote for GOLD
~ George Bernard Shaw, 1928


Get gold, humanely if possible, but at all hazards; get gold
~ King Ferdinand of Spain, 1511


No nation in history has ever survived 'fiat money' - money that did not have precious metal backing
~ Ronald Reagen, 1980


Gold still represent the ultimate form of payment in the world. Fiat money in extreme is accepted by nobody. Gold is always accepted
~ Alan Greenspan, May 20 1999


Save in gold, before it is too late.
~ Dr. Umar Ibrahim Vadillo, 2007


Abu Bakr ibn Abi Maryam reported that he heard the Messenger of Allah, may Allah bless him and grant him peace, say: "A time is certainly coming over mankind in which there will be nothing [left] which will be of use save a dinar (gold) and a dirham(silver)." ~The Musnad of Imam Ahmad ibn Hanbal

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Dila berkata-kata :

Kenapa masih ramai yang suka menyimpan 'duit kertas' di bank, sedangkan sejarah telah membuktikannya.

Mar 8, 2011

MYGOLD - MY WEALTH PROTECTION: Emas dan Perak dari Perspektif Al-Quran dan Sunnah...

Artikel ini saya kongsikan dari blog sahabat saya di mygold77.blogspot.com.

Klik aje, utk akses terus ke blog Rizal.

MYGOLD - MY WEALTH PROTECTION: Emas dan Perak dari Perspektif Al-Quran dan Sunnah...: "Assalamualaikum. Izinkan saya berkongsi sekelumit ilmu. Menerusi pembacaan saya, apa yang saya faham ISLAM mengiktiraf matawang yang merupak..."


Rizal, Thanx for sharing this really good articles :)

Mar 7, 2011

CERPEN : SANDARKAN PADA 999.9

CERPEN INI TELAH DISIARKAN DI AKHBAR MINGGUAN MALAYSIA, 06 MAC 2011



TAJUK : SANDARKAN PADA 999.9




MEMANG mereka bukan Tuhan. Tapi mereka punya fakta kukuh pengandal hujahan. Bukan saya kemukakan cadangan tanpa mengkaji kesahihan pendapat pakar-pakar ekonomi dunia yang meramalkan akan berlaku krisis ekonomi yang bakal meranapkan tugu ekonomi kapitalis, selama ini mendominan.

Tegar benar dia mempersenda usul saya agar membayar separuh daripada gaji tenaga kerja syarikat dengan dinar dan dirham. Mengganda penyimpan nilai aset syarikat selain dalam saham hartanah kepada bentuk emas tulen logam terindah ciptaan Allah.

Melihat dia masih lagi sangsi, saya tampilkan pentaukid bukti dengan mengutip bicara bapa ekonomi Islam. Ibn Khaldun menegaskan, jika tidak guna emas sebagai mata wang, ia mengundang krisis kewangan. Amaran itu sudah ternyata sahih apabila dunia menyaksikan tercetusnya krisis kewangan 14 tahun lalu secara berepisod. Malah kali ini dijangka lebih teruk.

Masakan dia tak faham, apabila ekonomi kapitalis menjunam, semua orang tidak lagi boleh membuat sebarang transaksi apatah lagi mengambil wang dalam mana-mana institusi perbankan? Hairan yang bukan kepalang melontar asak tanya saya ke kantung e-melnya.

Bukankah pernah kita berbincang selepas pulang dari menghadiri ceramah Matthias Chiang?

Kau terpegun apabila bekas penasihat politik Tun M itu jujur dalam wacananya biarpun kedengaran sangat gerun. Buku Future Fastfoward tulisan penganut Kristian Katolik yang anti Zionis itu sama-sama kita kupas sambil menikmati sepiring sukun.

Tidak cukupkah lagi bukti-bukti himpunan Chiang berupa kenyataan oleh penasihat-penasihat Bush, profesor di Havard dan Oxford, tulang belakang IMF, Bank Dunia dan para sifu Zionis yang mahir memanipulasi segala sumber kekayaan yang menyatakan sistem ekonomi kapitalis akan berantakan?

Bukankah kau sedia maklum tentang keadaan dunia akan jadi lebih teruk daripada krisis ekonomi dunia 1930-an? Lupakah juga kau bahawa dunia ini sekadar pinjam-pinjaman dan segalanya berkemungkinan? Sayang sekali hal sedemikian tidak dibahaskan dalam perhimpunan parti tahunan meski ia kian hampir menjadi kenyataan. Lima tahun bukanlah tempoh yang panjang, kawan!

Persoalan demi persoalan yang tidak dapat saya ajukan secara berhadapan, semuanya saya hantar ke mel elektroniknya. Sementara jiwa saya bertambah yakin apabila kakak yang pernah mewawancara Prof. Umar Vadillo ketika dia datang bertemu Tun M di Hotel Prince, teguh menyokong usaha saya ini.

Kakak berkongsi ilmu hasil menemubual pengkaji sistem kapitalis terkenal itu yang menerangkan secara rinci tentang sistem ini memang di ambang kehancuran. Sebab itulah ramai bijak pandai sekarang mulai beli duit emas keluaran syarikatnya yang beribu pejabat di Dubai dan bercawangan di Labuan.

KEMUSNAHAN

Ujarnya tanpa sembunyi, warga Malaysia paling banyak simpan duit emas dalam akaun syarikatnya ialah dua orang Tun. Maknanya kedua-dua Tun ini sememangnya sudah lama bersedia untuk menghadapi kemusnahan sistem ciptaan Yahudi ini.

Bagaimana lagi harus dia, saya yakinkan? Sesekali datang perasaan mahu sahaja membiarkan lelaki lewat 30-an yang memang sinonim dengan kedegilan itu meniru aksi Luncai yang terjun dengan labu-labunya. Tidak tergamak pula rasanya untuk membiarkan kawan baik sendiri hanyut tanpa pertolongan.

Mungkinkah kerana perkenalan dengan rakan laman sosialnya yang dikatakan sanggup terbang dari Manhattan dan menawarkan diri untuk bekerjasama dengan anak syarikat Wangsajati itu punca utama rakan kongsi saya tiba-tiba bertingkah fikrah, memacu hala tuju sendiri?

Usai mesyuarat tadi, tidak saya sangka sama-sekali dia bangun dengan suara keras lalu menyanggah berapi-api cadangan saya agar membeli dan menyimpan aset emas dalam bentuk jongkong dan dinar buat bekalan menghadapi wabak krisis ekonomi yang bakal menular.

Barangkali, perancang strategi pelaburan syarikat Wangsajati itu perlu membaca sebuah lagi buku karangan Profesor Kamil Shufaad Bakri dari Fakulti Ekonomi di Taman Ilmu dan Budi. Zarah-zarah intelektual saya mula berdiskusi, mengusulkan cadangan berisi.

Susunan harta intelektual bangsa yang saya atur rapi menghiasi almari kamar bacaan, satu demi satu diamati. Akhirnya saya temui sejilid catatan sendiri ketika mendengar kuliah Prof. Shufaad Norani. Sayang sekali judul bukunya dirosakkan oleh tumpahan air pada dakwat basah atas kertas itu. Indera, minda dan jiwa pantas membaca ringkasan saya tulis baris demi baris.

Wang kertas atau dipanggil juga wang elektronik dalam bentuk angka itu sebenarnya tidak wujud pun dalam bank. Duit kertas yang disimpan di bawah bantal atau dalam tabung di rumah pula, saban tahun akan menyusut dan mengecut nilainya dengan teruk. RM1,000 hari ini tidak boleh membeli barang yang sama pada masa depan.

Peluh dingin mulai merenik dan perlahan-lahan berkumpul menuruni alur dahi terutama apakala saya tekun membaca penerangan ilmuan itu seputar kreasi wang (money creation) oleh pihak bank. Masalahnya, cerita fasal ini tidak disiarkan dalam akhbar arus perdana negara.
KEBENARAN

Betapa kesal saya memikirkan akhbar utama hanya memetik bulat-bulat laporan CNN, BBC, CNBC, Reauters yang jauh menyimpang dari kebenaran. Apa salahnya jika sesekali kutiplah juga isi-isi dari dalam akhbar sekutu Zionis seperti Herald, Weekly Commentator atau Jerusalem Post. Bukan payah pun untuk akses versi maya. Inilah akhbar yang menemani sarapan pagi sifu-sifu Zionis.

Saya bertekad mahu mempertahankan pendirian saya di hadapan semua pemegang saham utama syarikat. Gigih saya menyelidik melalui Internet tentang kecairan wang. Kemudian saya kaji dengan mendalam hakikat kekayaan sebenar dalam Islam.

Jantung saya bagaikan disambar petir apakala minda mentafsir informasi menzahir. Ia sama seperti sejak dari alam kuliah lagi sudah pun saya fikir. Tanah. Moleknya berlokasi di tepi sungai atau yang berhampiran dengan sumber air mengalir. Emas dan perak. Sekali lagi dengupan jantung mengeraskan rentak.

Az-zahab wal fiddah inilah yang sedang dikumpul oleh juak-juak Zionis. AS dan Eropah dijadikan lokasi penyimpan rezab emas terbesar. Berkehendakkan emas, mereka tukar kepada negara lain dengan duit kertas. Puak-puak Zionis inilah juga pemilik bank-bank utama dunia yang rancak mengatur dan memanipulasi kewangan dunia tanpa puas.

Mustahil Mukallaf lupa akan sejarah dan asal-usul institusi perbankan? Amat tidak logik kalau dia tidak tahu yang kita semua satu dunia, simpan duit kertas yang menurut pakar ekonomi tidak akan bernilai di kemudian hari. Bukankah berlambak-lambak dalam laman sesawang bercerita tentang “kematian wang”?

Tidakkah sarjana ekonomi itu baca apa yang saya baca, sedangkan selama ini pemikiran kami serupa?

TERCEMAR

Tanah, emas, minyak dan air bersih. Saya pahat empat khazanah Allah yang bernilai ini dalam benak. Sebak dada saya membayangkan air akan tercemar dengan teruk di masa depan. Sekarang pun sumber utama air iaitu sungai banyak yang tercemar. Kita sewenang-wenangnya mengabaikan kebersihan walhal ia warisan yang kita pinjam daripada generasi akan datang.

Saya masih belum berpuas hati dengan segala bahan yang saya kumpulkan sebagai isi presentasi esok. Saya teruskan pembacaan di talian maya.

BBC melaporkan pada tahun 2001, air Sea of Galilee (sebenarnya ia sebuah tasik) di Palestin sedang surut dan belum menampakkan petanda akan pasang semula. Saintis membuat perkiraan dalam tempoh 50 tahun lagi tasik itu akan kontang, tiada setitis pun bersisa. Timur Tengah dan Zionis akan bercakaran kerana air pula.

Menurut pendapat penganalisis kemelut dunia, era dahaga menjarah separuh kedua abad ini lantaran tiada air dan alam maya bakal bergelap-gelita kerana tiada minyak untuk menjana kuasa elektrik setelah habis sumbernya.

Serta-merta saya teringat pada seminar nuklear yang saya hadiri setahun yang sudah. Seorang pakar dari Jepun mengatakan minyak dalam bumi hanya bertahan selama 30 tahun sahaja hayatnya.

Saya bertanya Tan Sri Penasihat Sains Negara, “Apa tindakan kita sebab negara tak ada polisi tenaga nuklear?”

Selamba jawabnya, “Tiada komen. Awak tanya sendiri kepada menteri.”

Saya hubungi pejabat menteri berkenaan tapi rezeki tidak menyebelahi, dia keluar negara atas urusan peribadi menguruskan pendidikan anak. Ketika itu saya sedang menulis artikel mengenai polisi tenaga nuklear negara sebagai persediaan menghadapi kepupusan minyak.

Kakak juga memaklumkan dia pernah wawancara seorang jutawan emas, Datuk Syukor Hashim yang mengakui dia tidak menyimpan wang kertas (fiat money) dalam bank, tapi simpan duit emas.

Ujar Datuk Syukor, “fiat, perkataan Latin bermaksud ‘just to it.’ Kublai Khan diisytihar oleh pengkaji matawang sebagai pencipta wang fiat pertama dunia. Ia pupus sedangkan dinar dan dirham musuh wang kertas. Syiling emas seberat 4.25 gram pada zaman Rasulullah dapat membeli seekor kambing dan sekarang dengan nilai 1 dinar bersamaan RM654 pada 1 Mac 2011 juga boleh membayar seekor kambing. Kini setelah 1400 tahun berlalu, harga seekor ayam sekitar 1 dirham (wang perak seberat 2.975 gram) bersamaan RM20.00.”

Minda saya teringatkan sesuatu. Tentang tiga buah buku yang berkaitan wang kertas dan hubungkaitnya dengan riba (faedah bank) yang dihadiahkan oleh Datuk berkenaan. Oleh kerana hobi menulis memujuk saya menjadi ulat buku, sengaja kakak minta saya simpan buku-bukunya itu.

Helaian demi helaian buku koleksi pakar penganalisis kewangan itu terus saya hadam tanpa toleh kiri kanan meskipun perut mulai memberi isyarat meminta hak. Saya kira mashlahah ummah dan negara lebih mustahak.

Kalbu saya tak lekang berdoa agar Mukallaf dan para pemegang saham utama syarikat Wangsajati perasan akan peranan riba, duit kertas dan duit elektronik sendirilah punca penyebab kepada kehancuran sistem ekonomi kapitalis yang bakal menjelma sedikit masa nanti.

Sengaja saya memilih judul senjata makan tuan ini untuk digarisbawahkan. Ia bukti jelas krisis ekonomi Asia 1997 angkara George Soros pada zaman saya dan Mukallaf selesai mencapai status graduan.

“Ish, masakan semua kandungan bahan bacaan yang aku pinjamkan, telah Mukallaf luputkan dari ingatan?” Komen saya sendirian. Secalit kecewa memalit rasa memikirkan Zedrin Mukallaf sengaja memalapkan obor jiwa sufi fikrah haraki yang bertahun-tahun saya nyalakan dalam kalbu dan mindanya. Mengapa tidak gen ayahnya yang lahir di bumi yang sama dengan Yusuf al-Qaradawi mendominasi peribadi, mengalahkan asuhan ibunya yang taksub dengan gaya keluarga korporat berlatarkan pendidikan sekular negara kiwi?

Rakan kongsi berdarah kacukan Arab-Melayu itu acapkali saya mesrakan dengan kitab-kitab ulama silam. Kekaguman saya kian membara apabila dia mula menyukai fikrah Syed Qutub dan Hassan Al-Banna.

Nama pemberian bonda, kata Mukallaf, sangat sinonim dengan personaliti saya yang baginya memancarkan semangat, sumber tenaga dan sinar cahaya pencerahan jiwa.

Ucapan bombastik itu saya terima daripada Mukallaf sewaktu meraikan kejayaan saya memperolehi tender menyiapkan medan simulasi di Kementerian Pertahanan bagi mempersiapkan perwira negara ke medan peperangan dunia.

Setelah jeda seketika dibuai kenangan silam, selepas hak badan usai saya tunaikan, kewajipan kepada Pencipta pun sudah saya langsaikan. Senaskah al-Quran berkulit keras warna kemilau emas dan bercetak perak mengembalikan ingatan saya kepada tugas untuk memahamkan kawan seperjuangan apa sebenarnya hakikat kekayaan yang agama sarankan.

Maha Suci Allah menyerlahkan kebenaran nyata. Tatkala membaca Surah Yusuf, terkesima saya seketika. Tentera-tentera sebak, sayu dan hiba mula menguasai kota jiwa. Genangan di tubir mata gagal diseka, mula berkompromi dengan rasa.

Wahai Nabi Allah Yusuf a.s, betapa bersyukur dan berterima kasih daku atas kebijaksanaan dan kasih sayangmu sejak berabad lama dahulu. Segala peringatan dan pesananmu akan daku hebahkan.

Bersaksilah bahawa akan aku gegerkan betapa AS sekarang, selain emas dan minyak, sedang giat menyimpan sebanyak-banyaknya stok makanan.

Duit kertas dan duit elektronik dilambakkan ke negara lain di mana tiga per empat daripada dolar sekarang sedang berlegar- legar di luar AS. Menanti saat kejatuhan.

Begitu saya berkasam pada diri sendiri selepas menghayati intipati Surah Yusuf dan merujuk banyak rencana mengenai krisis dolar Amerika. Saya menterjemah kenyataan Warren Buffet, pelabur terulung dan manusia kedua terkaya di dunia.

“Kenaikan harga emas ini disebabkan ia tidak memiliki nilai nyata kecuali harga pasaran.”

Dan kenyataan Paul Volker, bekas pengerusi Federal Reserve Board, dipetik sebagai berkata, we have a 75% chance of a crisis within 5 years.

Semoga ada yang berasa seperti terkena getah nangka dengan kesengajaan saya mengekalkan bahasa ibunda Volker sebagai penempelak kepada ahli lembaga pengarah yang gemar meminjam lidah penjajah ketika bersidang di meja bulat syarikat yang sepenuhnya berstatus bumiputera.

Berpuas hati dengan segala dalil hujahan, sepenuh keyakinan saya khatamkan akhir perenggan kesimpulan dengan sepotong hadis daripada Abu Bakar Ibn Abi Maryam yang meriwayatkan beliau telah mendengar Rasulullah SAW bersabda:

“Suatu masa akan sampai kepada manusia di mana tidak ada apa lagi yang tinggal berguna kecuali dinar dan dirham.” (Musnad Imam Ahmad bin Hanbal). Sebuah tanda tangan saya turunkan pada halaman akhir kertas pembentangan jelas boleh dibaca. Kirana.

Melalui sistem khidmat pesanan ringkas, saya kirimkan sebuah gubahan aksara kepada Mukallaf dengan iringan doa agar Allah sudi membaiki kompas imannya yang terbabas.

Setia mengajar saya, jika mahu jadi pencinta budiman sandarkan pada kenangan dan bijaksana mengajar saya, jika mahu jadi hartawan dermawan sandarkan pada emas 999.9! – Utusan Malaysia Online

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Dilla berkata :

Watak Datuk Syukor Hashim dan Profesor Kamil Shufaad Norani dalam cerpen, adalah mereka2 yang saya kenali sepanjang menceburkan diri dalam dunia emas dan perak ini

Datuk Syukor Hashim = En. Syukor Hashim,
-admin Jutawan Emas, penulis e-book Menyingkap Rahsia Pelaburan Emas

Profesor Kamil Shufaad Norani = En. Noor Shufaad Md Norani,
-admin Melaka Fx, penulis e-book Teknik2 Hebat Analisis Pasaran Harga Emas

Saya memiliki kedua2 buku mereka (hardcopy dan softcopy)... bacalah... demi menambahkan ilmu :)


Mar 3, 2011

1 DINAR x 7 PIECES

1 DINAR x 7 PIECES

1 dinar - Muka hadapan

1 dinar - Muka belakang


Post kali ini saya tujukan khas buat new customer, En. Azhar.


TERIMA KASIH En Azhar kerana sudi berurusniaga dengan saya.

Segalanya bermula...


Handphone berbunyi.... pantas saya menjawab :

Saya : Hello...


En Azhar : Assalamualaikum... Puan Fardila ke ni?


Saya : Waalaikumussalam... ye, saya... siapa ni... ada apa-apa yang boleh saya bantu?


En. Azhar : Saya Azhar... Puan ada jual dinar Public Dinar ke?


Saya : Ada... En Azhar minat ke?


En. Azhar : Ye... saya minat nak beli...
.
.
.
.
.


Seterusnya perbualan singkat kami berakhir dengan persetujuan.
Hari ini 7 keping syiling 1 dinar saya akan bertukar tangan....
tak mengapa... saya masih ada banyak lagi :)


Setelah mengambil apa yang dihajati oleh En Azhar di Safe Deposit Box
(saya tidak sesekali menyimpan stok saya di rumah),
saya terus bergegas ke pejabat En Azhar... sungguh mudah mencarinya.


Tidak sampai 1 jam dari saya menjawab panggilan telefonnya... 7 dinar bertukar tangan...


Apa yang saya nampak...


Walaupun ini baru kali pertama En Azhar menukarkan duit kertasnya kepada dinar, beliau nampaknya sudah padat dengan ilmu berkenaan kelebihan dan faedah-faedah menyimpan emas dan perak.


Walaupun harga yang pada hari ini agak tinggi, tapi beliau yakin... untuk simpanan jangka panjang... emas pasti tidak akan mengecewakan penyimpannya.
(Semua penyimpan emas-perak harus aware dengan perkara ini... kerana kita simpan emas, bukan untuk untung dalam tempoh sebulan dua... jangan bersedih jika harga turun, kerana itulah kesempatan untuk kita menambah emas-perak yang ada)


Saya gembira berurusan dengan beliau. Orangnya baik, tidak cerewet... dan beliau telah ada sedikit sebanyak pengetahuan. Ianya lebih memudahkan urusan saya.


Kesimpulannya, jika kita telah lengkap dengan ilmu pengetahuan... kita akan lebih yakin dengan apa yang kita mahu... selebihnya, serahkan aje kepada kuasa Yang Maha Esa.


Sekali lagi, terima kasih En Azhar... moga suatu hari nanti, En Azhar akan menyertai kami sebagai agen Public Gold di bawah Rangkaian Emas Kini.

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Dilla berkata :

Sungguh... Allah telah memudahkan urusanku pada hari ini... senang nak dapat parking, tak macam selalu :)

Terlintas di hati tadi, nak cubalah parking bertingkat baru MBKT (Parkir Automatik Pertama Di Malaysia), tengok2.... la.... banyak pulak kosong yang atas tanah... lain kali je la.





Mar 2, 2011

PENGIRAAN ZAKAT EMAS

Artikel ini keseluruhannya saya kongsikan dari blog Jutawan Emas, untuk rujukan kepada yang bertanya.
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Assalamualaikum dan salam sejahtera.

Apa khabar pembaca semua? Saya doakan anda semua sihat, ceria dan gembira adanya

Baiklah kali ini saya ingin berkongsi maklumat berkenaan zakat emas dan perak serta kaedah pengiraannya.

Untuk pengetahuan anda emas dan perak adalah termasuk di dalam kategori logam berharga yang diwajibkan zakat jika cukup haul dan nisab

- Haul merujuk kepada tempoh masa iaitu setahun.
- Nisab pula merujuk kepada nilai berat.

Kewajipan zakat ke atas logam ini dijelaskan dalam firman Allah S.W.T. bermaksud:

“Dan mereka yang menyimpan emas dan perak dan tidak membelanjakannya pada jalan Allah (mengeluarkan zakat) maka khabarkanlah kepada mereka dengan azab yang pedih, pada hari emas dan perak dibakar di dalam neraka jahanam lalu diselar dengannya dahi dan rusuk mereka dan belakang mereka seraya dikatakan kepada mereka inilah harta yang kamu simpan selama ini buat diri mu, maka rasailah balasan apa yang kamu simpan dahulu” (At- Taubah; ayat 34-35)

Zakat emas dikira dalam dua keadaan iaitu:

1. Zakat emas yang disimpan (tidak dipakai)
2. Zakat emas yang dipakai.

1. Zakat emas yang disimpan (tidak dipakai)
Emas yang tidak digunakan atau dipakai walaupun sekali dalam tempoh setahun. Jika nilai emas tersebut menyamai atau melebihi 85gram (nisab), maka wajib dikeluarkan zakat sebanyak 2.5%.

Contoh: Anda memiliki 100 gram jongkong emas bernilai RM160/gram (harga semasa) dan telah menyimpannya selama setahun.
Jumlah zakat = 2.5% x RM16,000
= RM400

2. Zakat emas yang dipakai (sebagai perhiasan)
Emas yang dipakai (sebagai perhiasan) walaupun sekali dalam tempoh setahun tidak wajib dikeluarkan zakat ke atasnya. Tetapi jika ia melebihi ‘uruf’ (uruf merujuk kepada nilai kebiasaan pemakaian emas bagi wanita di sesebuah tempat), maka ia diwajibkan zakat dengan kadar 2.5% atas lebihan daripada nilai uruf. Nilai yang diambil kira adalah nilai semasa emas sahaja iaitu tidak termasuk batu permata.

Contoh: Jika anda bermastautin di Wilayah Persekutuan maka kadar uruf adalah 150 gram emas. (jika anda bermastautin di negeri lain, sila rujuk kadar uruf bagi negeri anda di bawah)

Contoh: Berat emas yang dipakai ialah 250 gram

Berat Emas yang layak dizakatkan adalah:
= 250 gram – 150 gram (uruf)
= 100gram

Zakat yang wajib dibayar = 2.5% x (100 gram x harga semasa)
(andaian harga emas semasa RM157.00 / gram)
= 2.5% x (100 gram x RM157.00)
= RM392.00

Nilai uruf bagi negeri-negeri di Malaysia.
Berikut adalah nilai uruf bagi negeri-negeri di Malaysia.

1.Uruf emas bagi negeri Kedah adalah 150 gram.
2.Uruf emas bagi negeri Perlis adalah 170 gram
3.Uruf emas bagi negeri Pulau Pinang adalah 165 gram
4.Uruf emas bagi negeri Melaka adalah RM5000
5.Uruf emas bagi negeri Johor adalah 850 gram
6.Uruf emas bagi negeri Sembilan adalah 200 gram
7.Uruf emas bagi negeri Selangor adalah 800 gram
8.Uruf emas bagi Wilayah Persekutuan adalah 150 gram
9.Uruf emas bagi negeri Kelantan : tiada uruf
10.Uruf emas bagi negeri Terengganu adalah 850 gram
11.Uruf emas bagi negeri Pahang adalah 200 gram
12.Uruf emas bagi negeri Perak adalah 500 gram
13.Uruf emas bagi negeri Sabah adalah RM5000
14.Uruf emas bagi negeri Sarawak adalah 775 gram
(Sumber: Laporan kajian penetapan uruf emas pakai negeri Pahang Darul Makmur tahun 2008) (klik)

Soalan-soalan lazim yang perlu diketahui mengenai zakat emas:
1. Soalan: Sekiranya saya telah menggadaikan sejumlah emas perhiasan ke dalam skim Ar-Rahn, perlukah saya membayar zakat untuk emas yang digadaikan itu?

Jawapan: Tidak wajib, kerana tidak sempurna milik

2. Soalan: Adakah emas yang disimpan di dalam bank (safe deposit box) perlu dizakatkan?

Jawapan: Ya, wajib dizakatkan dan dikira sebagai emas yang disimpan.

3. Soalan: Saya memiliki beberapa utas rantai emas tetapi saya gadaikan untuk membuat modal perniagaan. Adakah wajib membayar zakat bagi rantai emas yang digadaikan itu?

Jawapan: Tidak wajib dizakatkan kecuali setelah ditebus semula. Kiraan haul bermula pada hari ditebus.

4. Soalan: Ibu saya mempunyai emas yang sudah cukup syarat untuk dizakatkan. Tetapi beliau meninggal dunia sebelum sempat mengeluarkan zakat. Siapakah yang bertanggungjawab membayar zakat tersebut? Daripada sumber mana yang perlu digunakan untuk membayar zakat tersebut?

Jawapan: Waris perlulah melunaskan bayaran zakat tersebut dengan menggunakan duit si mati sebelum harta peninggalannya di faraid.

5. Soalan: Adakah saya wajib membayar zakat emas perhiasan yang telah disimpan dan diwarisi daripada nenek?

Jawapan: Ya, emas perhiasan yang disimpan dan diwarisi wajib dikeluarkan zakat sekiranya cukup syarat.

6. Soalan: Saya ada emas yang dipakai. Ia tidak cukup untuk dikeluarkan zakat. Tetapi jika dicampurkan dengan emas yang digadai, cukup untuk bayar zakat. Persoalannya, wajib kah saya membayar zakat?

Jawapan: Tidak wajib dikenakan zakat kerana tidak cukup nisab dan emas yang digadai tidak sempurna milik.

(sumber: http://web.e-zakat.com.my/baru/organisasi.faq.asp)

p/s: Banyak lagi persoalan zakat yang boleh didapati dengan melawat link diatas.

Kesimpulan.
Saya berharap agar topik ini membantu anda memahami persoalan zakat emas. Ini kerana zakat merupakan kewajipan terhadap orang Islam yang cukup syarat. Sebagai pelabur sudah tentu kita inginkan kekayaan dunia dan kekayaan di akhirat .

Ok then, selamat membuat pelaburan emas.

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