Plan Perniagaan

Groups of Business Leaders, Advisor and Leverage.

Posted on 11 November 2011. Filed under: AROUND SABAH, canggihlaksana, Finance, Kareer, Kerjaya, kursus, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Perbankkan, Plan Perniagaan | Tags: , , , , , , , , , , |

http://canggihlaksana-group.webs.com/

Groups of Business Leaders, Advisor and Leverage.

PERKHIDMATAN YANG DITAWARKAN:

1.      Pendaftaran Perniagaan Pemilik Tunggal.

2.      Pendaftaran Perniagaan Pemilik Perkongsian.

3.      Pendaftaran Kementerian Kewangan (MOF).

4.      Pendaftaran Status  Bumiputera  di Kementerian Kewangan (PMS) dan E-perolehan.

5.      Pembaharuan Pendaftaran.

6.      Permohonan Tambah Bidang.

7.      Penyediaan Pofail Syarikat.

8.      Kemudahan Kemaskini Profil Pembekal

9.      Penyediaan Kertas Kerja / Proposal Permohonan Pinjaman.

10.  Penyediaan Plan Perniagaan.

11.  Pendaftaran Pusat Khidmat Kontraktor PKK, CIDB.

12.   Akaun Syarikat Enterprise dan Sdn Bhd.

13.   Akaun / Pengiraan Cukai (INCOME TAX) Syarikat dan Individu.

14.   Agensi Pencari Pekerjaan.

15.  Agensi Peluang Pendidikan di IPTS.

Sila hubungi:  088-243069 (Office) atau agen – agen kami 019-8612758 – Abd Latiff Hj. Muluk untuk mendapatkan khidmat nasihat , bimbingan bidang perniagaan yang ingin diceburi  atau datang sendiri ke pejabat operasi kami di Lot 2, Blok A, Taman Keramat, Km.4 jalan Tuaran Lama, 88400 Kota Kinabalu untuk keterangan lebih lanjut.

We look forward to hearing from you!

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GREAT ERA INVESTMENT GROUP

Posted on 23 August 2011. Filed under: AROUND SABAH, canggihlaksana, Finance, FOREX, HYIP, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Plan Perniagaan | Tags: |

GREAT ERA INVESTMENT GROUP

PEMBAYARAN Return On Investment 7 HARI SEMINGGU
PEMBAYARAN TERUS KE AKAUN BANK MBB/CIMB/PUBLIC BANK
TEMPAH POSISI ANDA DENGAN SEGERA
LAYARI www.gei2u.com ATAU HUBUNGI SEGERA 019-8612758

MULAKAN PELABURAN ANDA SERENDAH USD100 atau RM350

PEMBAYARAN PULANGAN 7 HARI SEMINGGU SELAMA 90 HARI

PEMBAYARAN TERUS KE AKAUN BANK TEMPATAN DI 10 BUAH NEGARA

TEMPAH POSISI ANDA DENGAN SEGERA

LAYARI www.gei2u.com ATAU HUBUNGI SEGERA 019-8612758

ANDA INGIN TRADE FOREX DAN EMAS?

TAPI TIDAK TAHU BAGAIMANA?

BIAR GREAT ERA INVESTMENT LAKUKAN UNTUK ANDA

GREAT ERA INVESTMENT ADALAH SEBUAH SYARIKAT DARI PANAMA YG MELAKUKAN FOREX TRADING DAN GOLD TRADING…

ANDA HANYA MEMBERI MODAL 

DENGAN MODAL SERENDAH RM350 @ RM1500 @ RM3500 @RM9000 RM17500

ANDA MAMPU MENJANA LEBIH RM157,500 SEMINGGU

SEMUANYA DIJEMPUT SERTAI KAMI !!

PELAN PASIF (1.65 % – 2.1 % SETIAP HARI SELAMA 90 HARI )

CONTOH: JIKA ANDA JOIN PAKEJ  SILVER (RM3,500), ANDA AKAN DAPAT 1.85 %(RM55.50) SEHARI SELAMA 90 HARI JADI ANDA SUDAH UNTUNG 166.5 % ATAU RM4,995 SENANG-SENANG SAHAJA SAMBIL SANTAI-SANTAI…Program Great Era Investment sangat mudah diaplikasikan oleh rakaniaga, program baru yang sangat hebat dan masing-masing berpotensi mendapat keuntungan berlipat ganda. 

PLAN PASIF

 PENERANGAN PAKEJ-PAKEJ INCOME TANPA MENAJA GREAT ERA INVESTMENT


==>> PAKEJ CLASSIC STAR

(USD 100 = RM350.00)

RM350.00 – menjadi RM445.50 – dalam waktu 90 hari

Invest : RM350.00 , CASH BACK (R.O.I.) = 1.65% X RM350.00 = RM4.95/hari (selama 90 hari)

Invest : RM350.00 , balik modal selama 70 hari, baki 20 hari adalah keuntungan bersih = RM 95.50

===>> PAKEJ BRONZE STAR

(USD 500 = RM1,750.00)

RM1,750.00,- menjadi RM2,362.50,- dalam waktu 90 hari

Invest : RM1,750.00 , CASH BACK (R.O.I.) = 1.75% X RM1,750.00 = RM26.25/hari (selama 90 hari)

Invest : RM1,750.00, balik modal selama 66 hari, baki 24 hari adalah keuntungan bersih = RM612.50

===>> PAKEJ SILVER STAR

(USD 1000 = RM3,500.00)

RM3,500.00 – menjadi RM4,995.00,- dalam waktu 90 hari

invest : RM3,500.00 , CASH BACK (R.O.I.) = 1.85% X RM3,500.00 = RM4,995.00 = (selama 90 hari)

invest : RM3,500.00 balik modal selama 63 hari, baki 27 hari adalah keuntungan bersih = RM1,495.00.

===>> PAKEJ GOLD STAR

(USD 3000 = RM10,500.00)

RM10,500.00 – menjadi RM15,795.00,- dalam waktu 90 hari

invest : RM10,500.00 , CASH BACK (R.O.I.) = 1.95% X RM10,500.00 = RM15,795.00 = (selama 90 hari)

invest : RM10,500.00 balik modal selama 59 hari, baki 31 hari adalah keuntungan bersih = RM5,295.00.

===>> PAKEJ PLATINUM STAR

(USD 5000 = RM17,500.00)

RM17,500.00 – menjadi RM28,350.00,- dalam waktu 90 hari

invest : RM17,500.00 , CASH BACK (R.O.I.) = 2.10% X RM17,500.00 = RM28,350.00 = (selama 90 hari)

invest : RM17,500.00 balik modal selama 55 hari, baki 35 hari adalah keuntungan bersih = RM10,850.00.

Peluang pelaburan internet terbaru !
DAILY ROI, DIRECT REFERRAL BONUS, PAIRING BONUS & BONUS KEPIMPINAN

LEADER DIPERLUKAN DI SELURUH MALAYSIA ! PELUANG MENJADI PIONEER TEAM GEI GROUPS MALAYSIA

dibayar tiap-tiap hari terus ke akaun bank. Guna e-cash dan kita buat pengeluaran terus ke bank.

DAILY ROI masuk ke e-cash wallet dan boleh withdraw tiap-tiap hari ke bank tempatan MBB / PUBLIC BANK / CIMB (minimum withdraw USD100).

PROGRAM PERDAGANGAN MATAWANG (FOREX)

PELUANG TERBAIK JANA WANG SECARA PASIF 1.65% – 2.10 %

MENGAPA PERLU SERTAI KAMI ??

1) Global Forex program, satu dunia boleh sertai

2) Syarikat Sah dan Berdaftar di Panama

3) Pendapatan Pasif Harian 1.65 % – 2.1 % Tanpa Menaja.

4) 10% Bonus Tajaan Terus.

5) Bonus Pasangan 10% dan Maksima RM 157,500 Seminggu.

6) Bonus Matching Pasangan Downline sehingga 8 Level.

7) Bonus boleh dikeluarkan Melalui Bank Tempatan seperti Maybank, CIMB dan

Public Bank Setiap Hari (USD100) & boleh juga ditunaikan dengan MTrader.

Kami ada PLAN HEBAT untuk andaanda join dan anda boleh turut menaja dengan

bonus tajaan yang tinggi. Jika tidak mampu menaja, anda masih boleh terima pasif income

dan downline percuma dan insentif dari hasil kerjasama admin dan ahli lain semua.

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50,000 kena tipu

Posted on 29 March 2010. Filed under: Finance, HYIP, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Plan Perniagaan |

Oleh Rohaniza Idris roha@bharian.com.my

2010/03/28

Pelabur rugi lebih RM100 juta sertai pelaburan sejak dua tahun lalu

KUALA LUMPUR: Kira-kira 50,000 pelabur kerugian lebih RM100 juta kerana menyertai pelaburan penternakan cacing, lintah, sarang burung layang-layang, lembu dan kafe ala kopitiam di seluruh negara sejak dua tahun lalu. Menggunakan status syarikat skim berkepentingan, lima syarikat terbabit dipercayai menyalahgunakan lesen perniagaan masing-masing, walaupun berdaftar dengan Suruhanjaya Syarikat Malaysia (SSM). Pengarah Kanan Penguatkuasaan SSM, Mohammad Redzuan Abdullah, berkata dua daripada syarikat itu sudah didakwa dan beberapa lagi akan dihadapkan ke mahkamah tidak lama lagi. Katanya, satu daripada lima syarikat berkenaan, Island Red Cafe Franchise Sdn Bhd sudah didakwa di Mahkamah Majistret Ampang atas tiga pertuduhan menipu dan memperdayakan pelabur membabitkan pelaburan RM16 juta. Baru-baru ini, SSM menyerbu Hadhari Cattle Industry Sdn Bhd dan Hadhari Agro Holding Sdn Bhd kerana dipercayai mempengaruhi orang awam untuk melabur dalam skim ‘Projek Pembangunan Usahawan’. Difahamkan, pelabur skim itu tidak menerima pulangan seperti dijanjikan pengurusan syarikat berkenaan. Mohammad Redzuan berkata, modus operandi lima syarikat berkenaan ialah menawarkan saham serendah RM1,000 seunit dan menjanjikan pulangan sehingga 10 kali ganda daripada nilai pelaburan, selain insentif lain seperti kupon makanan, pakej pelancongan dan kad diskaun. Ada syarikat menawarkan pakej pembayaran pelaburan secara ansuran bulanan untuk menarik lebih ramai menyertai skim mereka, malah sesetengah syarikat menggunakan kaedah perniagaan pelbagai peringkat (MLM) dengan pelbagai strategi pemasaran, termasuk menggunakan selebriti dan VIP. Serentak itu, SSM kini memburu syarikat yang menganjurkan skim pelaburan sedemikian atau menyalahgunakan skim berkepentingan, terutama dalam sektor pertanian dan inovasi baru. Beliau berkata, sepanjang tahun lalu, SSM menerima 90 aduan membabitkan skim pelaburan berkepentingan dan daripada jumlah itu, 60 adalah syarikat yang tidak tahu mereka melanggar peraturan skim berkepentingan serta diberi notis sebelum mematuhi mengikut peraturan ditetapkan SSM. “Bagaimanapun, kebanyakan daripada 60 syarikat itu mengambil keputusan menutup operasi dan tidak meneruskan skim berkepentingan, sebaliknya meneruskan perniagaan seperti biasa mengikut Akta Syarikat 1965. “Selain itu, 10 syarikat dikenal pasti degil dan meneruskan skim berkepentingan. Notis sudah dikeluarkan dan ada yang meminta diberi tempoh untuk mematuhi syarat ditetapkan. “Bagi yang masih ingkar, kita sudah mengumpulkan bukti dan saksi untuk mendakwa mereka di mahkamah,” katanya. Beliau berkata, Polis Diraja Malaysia (PDRM) turut menerima aduan kes itu, tetapi sukar bertindak kerana kekurangan bukti sebelum menyalurkan maklumat kepada SSM bagi membolehkan tindakan diambil. Selain polis, SSM bekerjasama dengan Kementerian Perdagangan Dalam Negeri, Koperasi dan Kepenggunaan (KPDNKK) serta Bank Negara jika kes membabitkan aktiviti pengambilan deposit haram atau melanggar peraturan Akta Bank dan Institusi Kewangan 1989 (Bafia), Suruhanjaya Sekuriti (SC) dan Kementerian Pertanian dan Industri Asas Tani. Beliau berkata, ramai pelabur tidak mengetahui skim berkepentingan hanya boleh dijalankan syarikat berstatus berhad (Bhd), bukannya syarikat sendirian berhad (Sdn) atau berstatus syarikat perniagaan tunggal. “Syarikat yang menganjurkan skim berkenaan perlu mempunyai prospektus, surat ikatan amanah antara pelabur dengan syarikat dan terma serta pemegang amanah syarikat. Jika ketiga-tiga syarat tidak dipenuhi, pelabur tidak wajar menyertai skim kepentingan ini,” katanya. Beliau mendedahkan kebanyakan syarikat yang menganjurkan skim berkepentingan berdaftar dengan SSM, namun statusnya sebagai syarikat sendirian berhad tidak melayakkannya menganjurkan skim itu. Justeru, katanya, pengguna perlu menyemak dengan SSM jika ditawarkan mana-mana pelaburan skim berkepentingan untuk mengetahui status syarikat yang menganjurkan skim pelaburan itu. “SSM memandang berat kes ini kerana mahu melindungi kepentingan pelabur, terutama berpendapatan rendah atau mereka yang melabur menggunakan wang pencen, gratuiti, wang simpanan dan pelaburan dalam Amanah Saham Bumiputera (ASB),” katanya.

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Kanak-kanak 6 tahun jinakkan ular

Posted on 24 August 2009. Filed under: canggihlaksana, Kareer, Kerja Kosong, Kerjaya, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Plan Perniagaan |

Cetak
Ditulis oleh Admin
Jumaat, 12 Jun 2009 08:06

NEW DELHI – Suku kaum Vadi di India mengajar anak-anak mereka menjadi penjinak ular tedung sebagai warisan turun temurun, lapor sebuah akhbar semalam.

Suku kaum itu yang menetap di negeri Gujerat, selatan India mewajibkan kanak-kanak lelaki mempelajari tentang haiwan berbisa itu selama 10 tahun sebelum boleh menjadi seorang penjinak ular sepenuh masa.

Budak lelaki akan meneruskan tradisi kaum Vadi menjinak ular dengan menggunakan seruling manakala kanak-kanak perempuan pula diajar tentang kaedah menjaga haiwan itu semasa saudara lelaki atau suami mereka tiada.

Seorang gadis kaum Vadi yang berusia enam tahun, Rekha Bae diajar mengenai cara bermain dengan ular tedung ketika dia baru berusia dua tahun.

“Seawal usia tersebut, kanak-kanak kaum Vadi sudah diajar cara turun temurun untuk menjinak ular sehingga mereka bersedia memainkan peranan dalam masyarakat kami,” kata ketua penjinak ular, Babanath Mithunath Madari, 60.

Menurutnya, ular-ular tersebut terutamanya spesies tedung akan dipelihara selama tujuh bulan sebelum dibebaskan ke habitat asal mereka.

“Kami dianggap tidak menghormati ular tersebut jika menyimpannya lebih lama. Haiwan itu diberi makan herba khas untuk membuang bisanya,” ujar Babanath. – Agensi

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Kafe tertinggi di United Kingdom

Posted on 24 August 2009. Filed under: canggihlaksana, Pelan Perniagaan, peluang perniagaan, Plan Perniagaan |

Cetak
Ditulis oleh Admin
Sabtu, 13 Jun 2009 17:19

LONDON – Kafe yang tertinggi di United Kingdom (UK) dibuka semula kepada orang awam semalam setelah menjalani pengubahsuaian dengan kos mencecah £8 juta (RM45.87 juta), lapor sebuah akhbar semalam.

Ia yang terletak di puncak Gunung Snowdown, Wales pada ketinggian 1,112 meter itu diubah suai atas arahan pewaris pertama takhta Britain, Putera Charles yang tidak berpuas hati dengan keadaan strukturnya pada masa itu ketika melawatnya lima tahun lalu.

Struktur baru itu kini dibina kukuh untuk menahan keadaan cuaca melampau selain dilengkapi dinding gelas yang menawarkan pemandangan indah kepada para pengunjung.

Kafe itu terletak dalam bangunan yang diberi nama Hafod Eryri.

Ia turut memiliki sebuah kedai dan pusat pendidikan. – Agensi

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Derma susu badan lawan kanser bapa

Posted on 24 August 2009. Filed under: canggihlaksana, Franchise Opportunities, Kareer, Kerja Kosong, Kerjaya, Pelan Perniagaan, peluang perniagaan, Plan Perniagaan |

Cetak
Ditulis oleh Admin
Ahad, 14 Jun 2009 16:19

SEORANG wanita dari Bristol sanggup mendermakan susu badannya kepada bapanya semata-mata untuk membantu orang tuanya itu melawan barah. Georgia Browne, 27, dilaporkan berbuat demikian lebih sebulan lalu.

Georgia memerah susu lebih selepas menyusukan bayi lelakinya sebelum dihantar ke rumah ibu bapanya di Wiltshire. Bapanya, Tim Browne, 67, kemudian mencampurkan susu itu dengan susu biasa untuk dijadikan sarapan pagi harian.

Hasilnya, imbasan terkini menunjukkan daya ketahanan lelaki itu semakin baik dan kanser yang dihidapinya sedang pulih. Georgia memberitahu, beliau mendapat idea unik itu setelah menonton sebuah dokumentari TV mengenai kebaikan susu badan.

“Keluarga saya berfikiran terbuka dan tidak berasa pelik dengan idea ini. Ibu dan suami saya menyokong biarpun pada awalnya kelihatan kelakar. Ayah juga sempat bergurau dengan beritahu rakan-rakannya,” kata Georgia.

Dokumentari yang ditontonnya itu memaparkan pesakit kanser prostat dari Amerika Syarikat yang sembuh hasil meminum susu badan.

Tertarik dengan idea tersebut, dia kemudian berbincang dengan bapanya. Tim didiagnosis menghidap barah pada Julai 2007 dan mengalami ketumbuhan berulang selepas pembedahan.

Idea susu badan itu juga mendapat sokongan doktor Tim biarpun penyelidikan sebelum cuma membuktikan susu itu sesuai melawan kanser dihidapi kanak-kanak. – Agensi

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Robot ular ciptaan Israel

Posted on 24 August 2009. Filed under: canggihlaksana, Pelan Perniagaan, peluang perniagaan, Plan Perniagaan | Tags: |

Cetak
Ditulis oleh Admin
Khamis, 18 Jun 2009 07:14

JERUSELAM – Israel merancang membangunkan robot ular untuk tujuan penyamaran dan pengintipan bagi kegunaan tentera negara ini.

Ular robot sepanjang dua meter itu dicipta menyerupai pergerakan ular sebenar, boleh menjalar di gua-gua, terowong dan celah-celah bangunan yang dipercayai menjadi lokasi musuh dan penjenayah.

Pada masa yang sama, ular robot itu boleh mengesan imej dan bunyi serta pergerakan. Maklumat yang dikesan itu kemudian dihantar kepada unit kawalan yang diselia oleh askar-askar pengintip dari sebuah peranti komputer riba.

Ular robot itu mempunyai sendi bagi memudahkan ia bergerak dikawasan yang sempit.

Ular robot itu juga mampu membengkokkan badannya untuk melihat rintangan melalui kamera yang terdapat di bahagian kepalanya.

Rekaan terbaru ini akan digunakan oleh tentera Israel untuk membantu dan menyelamat mangsa-mangsa runtuhan bangunan.

Menurut Chennel 2, Pasukan Pertahanan Israel (IDF) merancang membangunkan ular robot ini bagi tujuan pertempuran dan juga boleh mengangkut bahan letupan. – AP

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AWAS: Penipuan Dalam Perniagaan Internet

Posted on 24 August 2009. Filed under: HYIP, Pelan Perniagaan, peluang perniagaan, Plan Perniagaan |

Seramai 11 individu terpaksa berputih mata apabila kerugian lebih RM15,000 akibat diperdaya seorang wanita ‘misteri’ yang menyamar kononnya membekal dan menjual barangan kosmetik berjenama dengan harga murah di Internet.

Difahamkan, wanita berusia 20-an itu mensasarkan remaja terutama di sekitar Lembah Klang sebagai mangsa kerana menganggap golongan berkenaan amat mengutamakan kecantikan wajah dan tubuh.

Wanita berkenaan dipercayai memburu mangsa melalui sebuah laman web berbentuk forum yang turut membincangkan isu kecantikan dan kesihatan termasuk menjual produk kosmetik berjenama.

Sejurus mangsa dikenal pasti, wanita yang menggunakan nama samaran ‘Kucing Comel’ itu menawarkan beberapa jenis barangan kosmetik dengan harga agak murah berbanding harga sebenar di pasaran.

Mangsa yang bersetuju kemudian diminta memasukkan wang dalam akaun bank diberi wanita berkenaan dan perlu menunggu antara dua hingga tiga minggu untuk proses penghantaran produk dipesan.

Bagaimanapun, sejurus memperoleh wang mangsa, wanita penipu terbabit terus menghilangkan diri dan gagal dikesan.

Perbuatan itu didedahkan 11 mangsa Kucing Comel ketika ditemui di Biro Pengaduan Awam MCA di sini, semalam.

Seorang daripada mereka, Cheong Wai Loon, 29, berkata dia mengenali wanita itu ketika menyertai forum berkenaan di laman web www.jbtalks.cc (JB forum) pada 4 Mei lalu.

“Pada waktu itu, saya bersetuju membeli barangan kosmetik ditawarkan Kucing Comel kerana mahu menghadiahkan kepada kekasih saya selain tertarik dengan harganya yang agak murah.

“Wanita itu meminta saya memasukkan wang RM2,600 ke akaun bank diberi dan memberitahu barangan terbabit akan diperoleh dalam masa dua atau tiga minggu,” katanya.

Menurut Cheong yang juga jurujual, selepas puas menunggu, barangan yang dijanjikan tidak sampai ke rumahnya lalu segera membuat laporan di Balai Polis Wangsa Maju untuk tindakan lanjut.

Sementara itu, Ketua Biro Aduan MCA, Datuk Michael Chong, berkata pihaknya akan mengumpul semua laporan polis dibuat mangsa dan menyerahkannya kepada Jabatan Siasatan Jenayah Komersial Bukit Aman untuk tindakan lanjut. -Harian Metro

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Kelebihan buah kurma

Posted on 24 August 2009. Filed under: Hari Raya Aidil Fitri, Pelan Perniagaan, peluang perniagaan, Pendapatan Pasif, Perladangan, PERTANIAN, Plan Perniagaan |

Oleh Rohaniza Idris
roha@bharian.com.my

Ia baik untuk diet, malah kandungan zatnya dapat membantu dalam perubatan

RAMADAN datang lagi. Buah kurma atau tamar pastinya menjadi pilihan umat Islam di seluruh dunia sebagai juadah untuk berbuka puasa.

Populariti kurma mengatasi hidangan lain ketika berbuka puasa dan buah ini menjadi makanan utama Nabi Muhammad SAW yang diteladani umat Islam zaman berzaman.

Umat Islam dianjurkan berbuka puasa dengan buah kurma sebaik terbenamnya matahari kerana ia perkara yang disunatkan.

Selain bulan puasa, biasanya masyarakat Melayu Islam sering dihadiahkan kurma oleh jemaah yang baru pulang dari mengerjakan ibadat haji di Makkah.

Menjadi makanan wajib di Asia Barat, kurma menurut ensiklopedia Wikipedia dipercayai berasal di sekitar Teluk Parsi dan ditanam sejak zaman kuno dari Mesopotamia hingga prasejarah Mesir, kira-kira 4,000 tahun Sebelum Masihi. Bukti arkeologi pula menunjukkan kurma mungkin berasal dari timur Arab dalam 6,000 tahun Sebelum Masihi.

Buah ini kemudian dibawa pedagang Arab ke Asia Selatan, Asia Tenggara, utara Afrika dan Sepanyol yang mana orang Sepanyol memperkenalkan buah ini ke Mexico dan California pada 1765.

Tarikh sebenar kurma dibawa ke Malaysia tidak diketahui tetapi ia dipercayai diperkenalkan pedagang Arab yang datang berniaga dan berdakwah ketika zaman kerajaan Kesultanan Melayu Melaka.

Pengusaha kurma terkemuka di negara ini, Datuk Yusuf Taiyoob, berkata setiap tahun permintaan terhadap kurma meningkat dan biasanya syarikatnya membawa masuk kira-kira 3,000 hingga 4,000 tan dari beberapa negara seperti Iran, Iraq, Mesir, Tunisia, Emiriah Arab Bersatu (UAE) dan Afrika Selatan.

Beliau yang juga pemilik dan Pengarah Urusan Yusuf Taiyoob Sdn Bhd, berkata biasanya stok dibawa masuk dua bulan sebelum Ramadan bagi memudahkan urusan pemasaran dan pengagihan kepada pemborong dan wakil jualan di seluruh negara.

“Syarikat kami bukan hanya membawa masuk kurma untuk pasaran tempatan, tetapi juga menjadi pembekal utama untuk pasaran di Singapura, Thailand, Indonesia dan Brunei.

Tahun ini, gudang kami yang lebih besar baru dibuka, jadi jumlah stok lebih banyak berbanding pada tahun sebelumnya,” katanya.

Beliau menjelaskan harga kurma bagi sambutan Ramadan kali ini meningkat sedikit, namun beliau masih mengekalkan harga untuk pasaran tempatan dengan kadar lama.

“Ada beberapa negara pembekal kurma menjual lebih mahal dari tahun lalu tetapi untuk pasaran Malaysia kita masih mengekalkan harganya.

Namun, beberapa bekalan kurma segar yang banyak dijual seperti tahun lalu tidak dapat dipasarkan tahun ini kerana bekalan berkurangan.

“Musim menuai kurma biasanya pada September dan Oktober. Jadi, tahun ini kita kurangkan membawa masuk kurma segar kerana kos membawanya menggunakan kargo udara mahal. Kita jangka stok baru yang lebih segar akan sampai awal September nanti,” katanya yang menguasai 50 peratus pasaran kurma di negara ini.

Penolong Pengarah, Bahagian Zat Makanan, Bahagian Pembangunan Kesihatan Keluarga, Kementerian Kesihatan, Surainee Wahab, berkata kurma atau nama botani Phoenix dactylifera mengandungi zat besi, kalsium, fosforus, sodium, potasium, kalsium, vitamin B1, vitamin B2, beta karotena serta niasin.

“Buah kurma amat sesuai untuk dijadikan hidangan berbuka puasa kerana kandungan tenaganya yang tinggi dapat mengembalikan paras gula yang rendah dalam darah kepada paras yang normal.

“Amalan berbuka puasa yang baik ialah dengan mengambil tiga biji kurma yang kaya dengan tenaga, serat, vitamin dan mineral.

Kemudian diikuti dengan setengah cawan jus buah-buahan. Selepas itu bolehlah mengambil satu mangkuk kecil sup sayur berserta dengan satu atau dua keping roti.

“Bagi mereka yang menghidapi kencing manis, buah kurma boleh diambil sebagai makanan pertama untuk berbuka puasa. Namun begitu, mereka perlu mengawal pengambilannya. Mereka boleh mengambil tiga biji kurma tetapi perlu mengehadkan pengambilan makanan serta minuman manis yang lain,” katanya.

Kurma baik untuk diet pemakanan, malah, kandungan zatnya dapat membantu dalam perubatan (mempunyai tenaga pembersihan) dan estringen pada masalah usus yang dapat mengatasi masalah sembelit dan gangguan usus kronik.

Ia juga dapat digunakan dalam masalah sakit kerongkong, selesema dan demam, juga dikatakan penawar mujarab dalam perubatan tradisional untuk mengatasi masalah insomnia, selain mempunyai pelbagai khasiat lain.

Oleh kerana kurma kaya dengan unsur zat besi dan kalsium, ia sesuai untuk wanita sama ada ketika hamil atau selepas bersalin. Jus kurma dapat mengurangkan tumpah darah, menguatkan rahim serta berkesan meredakan tekanan darah tinggi.

Kandungan zat besi yang terkandung pada buah berkenaan juga menyebabkan wanita berpantang sesuai mengambilnya sebagai hidangan tanpa keraguan. Bagi ibu yang mempunyai masalah kekurangan susu, ia dapat diatasi dengan memakan buah kurma sekali gus menggalakkan pertambahan kandungan susu.

Kurma juga membantu melancarkan perjalanan darah, menghindari barah, merawat buah pinggang, mencuci hati dan membantu mengurangkan pengaliran darah ketika kelahiran. Berperanan dalam pertumbuhan kanak-kanak, pembentukan darah dan sum-sum tulang.

Antara kajian lain dijalankan membuktikan kurma antara makanan paling pantas diproses sebagai bekalan tenaga, selain berkhasiat membantu memanaskan badan, mencergaskan otak dan tubuh badan, mencergaskan minda kanak-kanak. Justeru, ia sangat sesuai untuk perut kosong, memberikan tenaga dan menyegarkan kisaran penghadaman.

Dilaporkan 100 gram kurma segar mengandungi sumber vitamin C yang diperlukan badan dan membekalkan 230 kalori untuk tenaga (960 kJ). Oleh kerana kurma mengandungi sedikit air, ia masih pekat walaupun sudah kering.

Bermakna dengan memakan kurma, badan mendapat tenaga mencukupi walaupun hanya dimakan sebiji dan segelas air. Oleh sebab itulah ada individu yang memilih berbuka puasa dengan hanya sebiji kurma dan badan sudah berupaya mendapat tenaga kembali selepas sehari suntuk berpuasa.

Kini, kurma bukan hanya dimakan umat Islam tetapi menjadi pilihan pelbagai masyarakat dunia yang hidangkan dalam pelbagai resipi serta juadah. Dengan ada reka cipta dalam dunia masakan, kurma boleh dinikmati pelbagai cara dan tidak lagi hanya dimakan sebagai buah semata-mata. Pakar masakan mula menjadikan kurma sebagai bahan pilihan dalam resipi yang dicipta.

Selain digabungkan dengan coklat, manisan dan agar-agar, kurma menjadi ramuan dalam kek, biskut dan jem yang menjadi menu tidak kira bagi sarapan, makan tengah hari, minum petang dan makan malam. Peniaga juga memberi wajah baru kepada kurma dengan membuang biji dan digantikan dengan badam, dipakej dengan cara yang menarik dan kemas.

Malah, kini kurma menjadi bahan utama dalam hamper yang dihadiahkan kepada kawan-kawan, kenalan, saudara mara serta rakan niaga terutama menjelang Ramadan.

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Gigi pasang siap

Posted on 24 August 2009. Filed under: canggihlaksana, Pelan Perniagaan, Plan Perniagaan |

Oleh Hafizah Iszahanid
hafiza@bharian.com.my

Implan gigi rekaan anak tempatan lebih mesra pengguna kerana prosedur ringkas dan tanpa pembedahan

SEKALI pandang, ia tidak ubah seperti skru biasa yang mungkin dianggap ramai sebagai tiada keistimewaannya. Namun inilah ‘penyelamat’ kepada pelbagai masalah yang dialami ramai – gigi rosak sehingga terpaksa dicabut, sukar mengunyah makanan dan paling penting, boleh menjejaskan ketrampilan seseorang gara-gara kehilangan gigi.

Inilah keunikan gigi tiruan atau implan gigi Novella Ultima yang direka sekumpulan penyelidik diketuai Presiden Persatuan Pergigian Implan Malaysia, Dr Firdaus Hanapiah.

Lebih membanggakan, implan gigi menerusi penyelidikan selama setahun itu adalah hasil titik peluh anak tempatan yang sekali gus menjadikannya implan gigi pertama Malaysia yang dikomersialkan. Walaupun belum dilancarkan sepenuhnya dan hanya akan berada di pasaran dalam tempoh dua bulan dari sekarang, implan gigi itu sememangnya mencuri tumpuan ketika pembentangan kertas kerja mengenainya dibuat pada Seminar Persatuan Implan Pergigian Malaysia (MOIA) di Pulau Pinang, baru-baru ini.

Hakikatnya, tiada pengganti gigi yang terbaik apabila ia patah atau perlu dicabut tetapi alternatif terbaik yang ada adalah menerusi kaedah menanam implan gigi.

Di seluruh dunia misalnya, ada 250 pengeluar implan dengan setiap satunya mendakwa mereka adalah yang terbaik. Namun, pengiktirafan terbaik itu sebenarnya datang dalam bentuk pakej, reka bentuk implan yang mesra pengguna, kejayaan klinikal dan kejayaan pasaran.

Dr Firdaus menunjukkan implan Novella Ultima direka dengan keutamaan menjana integrasi gusi dan tulang.

Malah sehingga kini, kebanyakan implan yang ada di pasaran tempatan, adalah buatan luar negara.

Jika diamati, implan gigi juga bukanlah baru dalam perubatan pergigian, sebaliknya ia sudah diperkenalkan sejak 1960-an. Lalu apakah istimewanya implan gigi buatan Malaysia ini berbanding produk implan gigi yang lain?

Dr Firdaus berkata, Novella Ultima berharga lebih murah berbanding implan konvensional, ia juga lebih ‘mesra pengguna’ selain prosedur pemasangannya yang ringkas. Berbanding produk sedia ada yang membabitkan pemasangan implan gigi dua keping, Novella Ultima sebaliknya cuma satu keping.

“Novella Ultima ini dihasilkan dengan keutamaan menjana integrasi gusi dan tulang, sekali gus menguatkan kawasan gusi yang dipasang dengan implan,” katanya.

“Kebanyakan mereka yang memasang implan, memilih implan pasang segera kerana ia mudah dan pemasangan gigi kekal juga dapat dibuat lebih cepat berbanding prosedur lain,” katanya.

Dr Firdaus berkata, implan pasang segera menjadi pilihan 70 peratus pengguna. Namun, mereka yang mengalami masalah gusi (seperti gusi berdarah) atau tulang rapuh tidak boleh menggunakan prosedur ini. Ini kerana tulang gusi mungkin tidak cukup kuat atau nipis untuk menampung implan dan gigi kekal yang dibuat daripada porselin.

Jelasnya, ada perbezaan antara implan Novella Ultima dengan implan konvensional. Pertamanya, implan gigi yang ada sekarang kebanyakannya adalah implan dua keping (two piece implant). Justeru, apabila implan ditanam pada tulang gusi, pengguna akan memakai gigi palsu untuk tidak mencatatkan penampilan dan menutup implan yang ditanam.

Bagaimanapun, dari segi fungsinya, gigi palsu tidak praktikal. Ia mengehadkan keupayaan pengguna untuk mengunyah, menyiat dan menggigit makanan.

Namun, menerusi implan satu keping (one piece implant) Novella Ultima, sebaik implan ditanam, gigi sementara yang dibuat khas mengikut acuan gusi pengguna dan boleh berfungsi sebaik selesai prosedur. Pengguna boleh menikmati makanan sejuk atau panas tanpa risau akan menjejaskan gigi sementara.

“Implan konvensional juga menggunakan skru. Tugasnya pemasangannya agak rumit. Skru digunakan bagi menguatkan tulang gusi kerana implan dikhuatiri bergoyang dan tidak cukup kuat menampung implan dan gigi kekal,” kata Dr Firdaus.

Namun, berdasarkan penyelidikan yang dibuat sendiri oleh Dr Firdaus mendapati, jika tulang gusi kuat dan implan titanium dikasarkan buatannya, ia boleh menekan kawasan gusi terbabit dan mejadikannya terlekat kuat pada gusi.

Dari segi rekaan pula, jika dulu di tepi leher implan konvensional ada lebihan yang diruncingkan bagi menyangkut implan pada gusi, tetapi pada implan baru ini lebihan itu dibuat berbentuk empat segi bagi menguatkan lagi tautannya pada gusi.

Disebabkan implan berfungsi sebagai alternatif gigi asal yang rosak, panjang implan adalah berdasarkan panjang akar gigi yang akan diganti. Umumnya akar gigi orang dewasa adalah antara lapan hingga 15 milimeter dengan lebar antara 3.3 mm hingga 6 mm.

‘Fungsi kuat menyamai gigi kekal’

DIREKA berdasarkan konsep implan pasang segera (immediate loading procedure), memungkinkan pembedahan gusi tidak diperlukan. Prosedur begini memudahkan pesakit dan menjadi antara pilihan utama pengamal perubatan pergigian.

Implan pasang segera bermaksud implan yang ditanam sejurus selepas gigi yang perlu diganti itu, dibuang. Manakala prosedur implan tertunda dan prosedur implan lewat pula mengambil masa sekitar tiga minggu selepas gigi dicabut sebelum pemasangan implan berkenaan.

Menerusi prosedur pasang segera, gusi yang ditanam implan kemudiannya diacu dengan acuan gigi bagi mendapat bentuk dan ukuran gigi yang tepat. Proses ini bagi membolehkan gigi sementara dihasilkan dan dipasang di atas implan. Selepas prosedur itu, pesakit sudah boleh meneruskan aktiviti harian termasuk menikmati pelbagai hidangan makanan.

Apa yang istimewa, gigi sementara yang dipasang di atas implan Novella Ultima ini boleh berfungsi seperti biasa. Pengguna boleh mengunyah dan menggigit makanan tanpa perlu risau.

Dalam tempoh sembilan minggu, gigi sementara itu dikeluarkan dan sekali lagi acuan pada gusi dibuat dan kali ini untuk mendapatkan ukuran dan bentuk gigi kekal. Dalam masa lima lima ke tujuh hari kemudian, gigi kekal dipasang dengan disimen pada implan.

Pemasangan implan gigi

Langkah pertama: Meletakkan implan. Sebaik gigi yang perlu diganti itu dibuang, pesakit dibius. Doktor akan menanam implan terus ke tulang rahang. Tiada pembedahan gusi diperlukan.

Langkah kedua: Penggunaan gigi sementara. Selepas implan dipasang, doktor gigi akan mengacu rahang bagi menghasilkan gigi ganti kekal (permanent crowning). Doktor gigi akan membentuk gigi sementara (bagi menutup implan) yang membantu penampilan anda sementara gigi kekal dipasang.

Langkah ketiga: Meletak gigi ganti kekal. Selepas sembilan minggu, tulang gusi semakin kuat berintergrasi dengan implan. Gigi sementara diganti dan gigi kekal diletakkan. Kekuatan dan fungsinya hampir sama dengan gigi kekal.

Info
Implan gigi

  • Gigi alternatif seperti implan sudah dimulakan sejak ribuan tahun lalu. Peradaban pra-kolumbia Maya sudah memulakannya sebelum Per-Ingvar Brånemark (bapa pergigian moden dunia) memulakan penyelidikan tentang implan titanium 1,350 tahun selepas itu.
  • Uniknya, Brånemark bukan pun doktor gigi. Sebaliknya, pakar bedah ortopedik dari Sweden yang mendapati titanium dan tisu hidup boleh berinteraksi dengan baik. Penemuan itu sebenarnya dibuat secara tidak sengaja!
  • Implan gigi tidak sama dengan gigi palsu. Implan bertindak sebagai akar kepada gigi yang hilang. Ia akan ditanam dalam gusi sebelum gigi yang diperbuat daripada porselin dilekatkan di atasnya. Implan boleh digunakan sama ada untuk tulang gusi atas atau bawah. Implan boleh bertindak menganti sebatang gigi atau sebarisan gigi dalam masa yang sama. Namun, pemasangan implan tidak boleh melebihi 11 batang.
  • Ada beberapa jenis implan dan antara yang popular ialah implan menyerupai akar (root shape implant) dan implan satu keping (one piece implant).
  • Hak Cipta Terpelihara 2009 – Berita Harian Sdn. Bhd.

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    Restoran terapung (Dinner In The Sky)

    Posted on 23 August 2009. Filed under: Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Plan Perniagaan | Tags: |

    Makan malam sambil terapung di udara Cetak
    Ditulis oleh Admin
    Isnin, 20 Julai 2009 17:12

    AMIENS – Sebuah restoran di sini menawarkan pengalaman unik menikmati makan malam sambil terapung di udara pada ketinggian lebih 48 meter, lapor sebuah akhbar semalam.

    Pelanggan-pelanggan diminta memakai tali pinggang keledar pada kerusi masing-masing sebelum restoran itu diangkat ke udara menggunakan sebuah kren.

    Mereka akan dilayan oleh beberapa pelayan manakala seorang cef di tengah restoran itu akan memasak pesanan pelanggan.

    Walaupun menawarkan pengalaman makan malam yang menakutkan, restoran dimiliki sebuah syarikat tempatan, Dinner In The Sky, di sini mengenakan bayaran mahal mencecah £13,000 (RM75,933) untuk satu majlis makan malam.

    Pihak pengurusan pula menasihatkan pelanggan mereka supaya tidak menjatuhkan sudu atau pinggan mangkuk ke bawah. – Agensi

    Dari : Ozzay, ‘ Wacana Merentas Minda’

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    Apple unveils new iPhone without Steve Jobs

    Posted on 9 June 2009. Filed under: GOOGLE, Perniagaan Emas, Plan Perniagaan | Tags: , , , , , |

    Apple unveils new iPhone without Steve Jobs June 9, 2009 Apple announced on Monday that a new version of its hot-selling iPhone would be launched later this month and that the price of an earlier model was dropping to 99 dollars. Apple vice president of marketing Phil Schiller made the announcements at an annual Worldwide Developers Conference in San Francisco bereft of any sign of the firm’s renowned chief executive, Steve Jobs. Schiller said the new iPhone, the iPhone 3GS, which can capture video for the first time, would be available on June 19. “The ‘S’ stands for speed, because this is the most powerful iPhone we’ve ever made,” Schiller said. “What is inside is entirely new.” He said the 16-gigabyte iPhone 3GS would cost 199 dollars while the 32-gigabyte model would cost 299 dollars. He said the price of an original eight-gigabyte iPhone 3G is dropped to 99 dollars as of Monday. Schiller also said a next-generation iPhone 3.0 operating system will be released worldwide on June 17 as a free upgrade to owners of the smartphones. “It has been an incredible year for the iPhone,” said senior vice president of iPhone software Scott Forstall. Sales of applications for the popular smartphones passed a billion in April, according to Forstall.

    Apple unveils new iPhone without Steve Jobs


    June 9, 2009

    <!– Apple announced on Monday that a new version of its hot-selling iPhone would be launched later this month and that the price of an earlier model was dropping to 99 dollars. –>

    Apple also reported it has sold more than 40 million iPhones and iPod Touch devices, which are essentially iPhones without mobile phone capabilities.

    Enhancements crafted into the iPhone 3.0 operating system include speedy video downloading and customization to additional languages including Arabic, Hebrew, and Korean.

    A new “Find My iPhone” feature lets people use an Apple online Mobile Me service to locate lost or stolen devices.

    “It will show you on a map where your phone is,” Forstall said. “You can send it a message and it plays an alert sound whether or not you left it in silent mode.”

    The feature also lets people remotely erase all data from lost or stolen iPhones, then reload the information using iTunes if they are reacquainted with their devices.

    The new operating system also lets iPhones connect to one another wirelessly for communal activities such as playing games.

    Apple on Monday also launched upgraded MacBooks while cutting prices on its historically high-end laptop line.

    Apple hit a disappointing note with an otherwise enthusiastic audience when it announced that its new Snow Leopard computer operating system would not be available until September.

    People already using the previous generation software will only have to pay 29 dollars to upgrade.

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    Pengarah syarikat Mirza didakwa jalankan perniagaan tanpa lesen

    Posted on 28 May 2009. Filed under: AROUND SABAH, Banking, Finance, FOREX, HYIP, Kerjaya, MLM, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Perbankkan, Plan Perniagaan, POLITIK | Tags: , , , , , , , |

    Pengarah syarikat Mirza didakwa jalankan perniagaan tanpa lesen

    28th May, 2009

    KOTA KINABALU: Dua pengarah sebuah syarikat perniagaan jualan langsung dihadapkan ke Mahkamah Sesyen di sini kelmarin terhadap pertuduhan menjalankan perniagaan tan-pa lesen yang sah.

    Dua pengarah Syarikat Gemilang Mirza Sdn Bhd itu, Ag Ajis Pg Mat Salleh, 30, dan Ag Binting Pg Mat Salleh @ Pg Jual, 46, yang diwakili peguam Ram Singh mengaku tidak bersalah terhadap pertuduhan itu.

    Syarikat itu didakwa menerima deposit daripada orang awam antara 15 April tahun lepas dan 13 Jan tahun ini di Lot 14, Blok C, Papar Century Plaza, Papar, kira-kira 50km dari sini, tanpa lesen yang sah.

    Pertuduhan itu dibuat mengikut Seksyen 6 (4) Akta Bank dan Institusi-Institusi Kewangan 1989 (Akta 372) yang memperuntukkan hukuman denda tidak melebihi RM10 juta atau 10 tahun penjara atau kedua-duanya.

    Hakim Ummu Kalthom Abdul Samad menetapkan 19 hingga 21 Jan tahun depan untuk perbicaraan kes itu.

    Terdahulu, Timbalan Pendakwa Raya Hazri Haris berkata pihak pendakwaan akan memanggil 25 saksi dalam kes itu.

    Sementara itu, dua pengarah syarikat itu turut dihadapkan ke satu lagi Mahkamah Sesyen di sini bagi pertuduhan menerima deposit daripada orang awam tanpa lesen yang sah di tempat dan pada masa yang sama.

    Kedua-dua mereka mengaku tidak bersalah terhadap pertuduhan itu.

    Hakim Ismail Brahim membenarkan kedua-dua kes itu dibicarakan bersama.

    Beliau juga membenarkan kedua-dua tertuduh masing-masing diikat jamin RM100, 000 dengan dua penjamin dan mengarahkan pasport antarabangsa masing-masing diserahkan kepada mahkamah.

    Local


    Direct selling company, two directors charged

    28th May, 2009 KOTA KINABALU: A direct selling company and two of its directors were yesterday charged in the Sessions Court with receiving deposits from public worth more than RM23 million without having a licence, an offence under the Banking and Financial Institutions 1989.

    Gemilang Mirza Sdn Bhd and the directors Ag Ajis Pg Mat Salleh, 30 and his elder brother, Ag Binting Pg Mat Salleh, 46, from Kampung Benoni, Papar denied the wrongdoing.

    They will be tried on Jan 19-21 next year. They face a fine of up to RM10 million or a jail term of up to 10 years or both, if convicted.

    The offence framed under Section 25 (1) of the Banking and Financial Institutions Act 1989 allegedly took place at Lot 14, Block C, Papar Century Plaza, Papar between April 15, 2008 and Jan 13, this year.

    In the charge, the company, Ag Ajis and Ag Binting were accused with receiving deposits from members of the public without having a valid licence granted under Section 4 (4) of the Banking and Financial Institution Act 1989.

    Bank Negara prosecuting officer, Hazri Haris proposed a RM300,000 bail deposited under a single surety for each of the accused.

    Ram Singh representing both men said the bail was excessive and had proposed to the court three land titles, which according to his clients are valued at RM650 million plus a concrete house in one of the lands.

    “This can be used to secure both of their attendance should they failed to turn up for the hearing,” he said adding that as both of them are locals, they have no reason to abscond.

    “Ag Ajis only has RM5,000 at the moment and Ag Binting is married with two children. He is the breadwinner of the family, all his brothers and sisters are depending on him,” he said adding that both men had given their cooperation to Bank Negara after their premise with products were raided on Jan 16.

    Judge Ismail Brahim released Ag Ajis and Ag Binting on a RM100,000 bail with a land title of not less than RM100,000 or cash deposited under two local sureties.

    Hazri had earlier on proposed before Sessions judge Ummu Kalthom Abdul Samad for a joint trial for both directors and the company. Ram and Hazri also confirmed that the deposit-taking allegedly came to the tune of more than RM23 million.

    http://www.newsabahtimes.com.my/

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    RAKAN NIAGA

    Posted on 26 May 2009. Filed under: Agro Biz, Francais, Franchise Opportunities, Kareer, Kerjaya, Pendapatan Aktif, Pendapatan Pasif, Plan Perniagaan |

    Pembiayaan kepada usahawan baru dan sedia ada untuk menjalankan perniagaan berdasarkan usahasama pengusaha dan TEKUN Nasional secara berpakej


    Aktiviti 
    Perniagaan berpakej seperti produk kecantikan, makanan sejuk beku, pusat tuisyen dan lain-lain jenis perniagaan yang akan ditentukan:

    Syarat Kelayakan Asas
    • Bumiputera dan berumur 18 – 65 tahun.
    • Mempunyai lesen perniagaan/ permit / daftar perniagaan yang sah.
    • Terlibat secara langsung dan sepenuh masa dalam perniagaan/projek
    • Satu pembiayaan untuk satu isi rumah.
    • Tidak mempunyai rekod perniagaan yang tidak baik
    • Pembiayaan perniagaan sedia ada tidak melebihi RM20,000.00

    Syarat Tambahan
    Syarat-syarat tambahan bagi pembiayaan TEKUN Rakan Niaga akan ditetapkan berdasarkan kepada MOU/perjanjian dengan pengusaha terlibat bagi sesuatu pakej pembiayaan.

    Jumlah Pembiayaan
    Pembiayaan yang ditawarkan adalah di antara RM500.00 hingga RM50,000.00

    Tempoh Pembiayaan dan Kaedah Bayaran Balik
    Tempoh pembiayaan adalah di antara 6 bulan hingga 5 tahun. Bayaran balik pembiayaan akan dibuat sebulan sekali bergantung kepada persetujuan peminjam

    Keterangan Lanjut
    Pembiayaan ini hanya melibatkan program kerjasama di antara TEKUN Nasional dengan pembekal/syarikat yang dilantik sahaja. Pemohon boleh mendapatkan maklumat lanjut mengenai program pembiayaan ini dengan menghubungi Ibu Pejabat TEKUN Nasional

    Senarai Rakan Niaga (klik disini)

    sumber dari laman web rasmi TEKUN

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    Bank Negara Malaysia Membuat Serbuan Terhadap Gemilang Mirza Sdn. Bhd.

    Posted on 14 January 2009. Filed under: AROUND SABAH, Banking, Finance, HYIP, MLM, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Perbankkan, Plan Perniagaan | Tags: , , , , , , , , , , , , , |

    Versi mesra pencetak | Hantar artikel kepada rakan

    Ref No: 01/09/03

    Embargo: Untuk Siaran Segera

    Bank Negara Malaysia Membuat Serbuan Terhadap Gemilang Mirza Sdn Bhd yang Disyaki Menjalankan Aktiviti Pengambilan Deposit Tanpa Lesen dan Pengubahan Wang Haram

    Pada 13 Januari 2009, Bank Negara Malaysia membuat serbuan terhadap Gemilang Mirza Sdn Bhd di bawah Seksyen 25(1) Akta Bank dan Institusi-Institusi Kewangan 1989 (BAFIA) dan Seksyen 4(1) Akta Pencegahan Pengubahan Wang Haram dan Pembanterasan Pembiayaan Keganasan 2001 (AMLATFA). Seksyen 25(1) BAFIA 1989 melarang mana-mana individu untuk mendapat, mengambil atau menerima deposit tanpa lesen yang sah, sementara Seksyen 4(1) AMLATFA 2001 menghalang mana-mana individu daripada terlibat dalam, atau cuba untuk melibatkan diri dalam, atau bersubahat dengan aktiviti pengubahan wang haram.

    Serbuan terhadap Gemilang Mirza Sdn Bhd dibuat di premis syarikat di Papar, Sabah berikutan aduan yang diterima daripada orang ramai. Aset dan dokumen syarikat yang berkaitan telah dirampas untuk tujuan penyiasatan.

    Mana-mana individu atau syarikat yang melakukan kesalahan di bawah Seksyen 25(1) BAFIA 1989 akan, atas sabitan, dikenakan denda tidak melebihi RM10 juta atau dipenjarakan untuk tempoh tidak melebihi sepuluh tahun atau kedua-duanya sekali. Mana-mana individu atau syarikat yang melakukan kesalahan di bawah Seksyen 4(1) AMLATFA 2001 akan, atas sabitan, dikenakan denda tidak melebihi RM5 juta atau dipenjarakan untuk tempoh tidak melebihi lima tahun atau kedua-duanya sekali.

    Orang ramai diingatkan supaya berwaspada dengan skim pelaburan yang dipromosikan melalui Internet, telefon atau seminar yang dianjurkan oleh individu atau syarikat yang tidak dilesenkan atau dibenarkan oleh Bank Negara Malaysia untuk menerima deposit atau berurusan dalam urus niaga mata wang asing, bagi mengelakkan kehilangan wang mereka. Senarai semua institusi berlesen yang dibenarkan menerima deposit terdapat di laman web Bank Negara Malaysia di www.bnm.gov.my.

    Untuk keterangan atau nasihat lanjut, orang ramai boleh menghubungi Bank Negara Malaysia di:

    BNMTELELINK (Pusat Perhubungan Pelanggan)
    Tel: 1-300-88-5465
    Faks: 03-2174 1515
    E-mel: bnmtelelink@bnm.gov.my

    BNMLINK (Pusat Perkhidmatan Pelanggan)
    Blok D, Bank Negara Malaysia,
    Jalan Dato’ Onn, 50480 Kuala Lumpur
    (Waktu urusan: Isnin – Jumaat, 9:00 pagi – 5:00 petang)

    Bank Negara Malaysia
    13 Januari 2009

    © Bank Negara Malaysia, 2009. All rights reserved.

    P/S : AKHIRNYA APA YANG DIRAMAL AKAN TERJADI, MENJADI KENYATAAN (Dr Bangang akhirnya hilang bangangnya …)

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    Pinggan pakai buang ubi kayu

    Posted on 13 January 2009. Filed under: Agro Biz, Kerjaya, Pelan Perniagaan, peluang perniagaan, PERTANIAN, Plan Perniagaan | Tags: , , , , , , , |

    Pinggan pakai buang ubi kayu

    Oleh Hafizah Iszahanid
    hafiza@bharian.com.my

    Pinggan pakai buang yang boleh dimakan, dihasilkan daripada ubi kayu.

    Hasil
    keluaran NHI berbeza dengan pinggan polistrin kerana pinggan ubi kayu
    lebih mesra alam dan boleh lupus dalam tempoh 28 hari

    UBI kayu memang sinonim di negara ini sebagai pengalas perut
    ketika Perang Dunia Kedua. Kini ia lebih popular sebagai makanan ringan
    seperti kerepek selain dijadikan kanji memekat kuah masakan.

    Di Brazil, tepung ubi kayu digunakan dalam pelbagai jenis
    masakan. Ia digoreng, dipanggang dan dipercik dengan santan manakala di
    Amerika Syarikat pula, ubi kayu diuli kecil bersaiz dua hingga tiga
    milimeter (mm) untuk dijadikan perhiasan seperti mutiara.


    ‘Resume’ ubi kayu di seluruh dunia memang hebat.
    Justeru, tidak hairan apabila sebuah syarikat tempatan, Natures Harmony
    Industries Sdn Bhd (NHI) yang menjalankan penyelidikan selama tiga
    tahun berjaya menghasilkan pinggan daripada ubi kayu. Lebih unik,
    pinggan yang dihasilkan itu boleh dimakan.

    Sejak diperkenalkan pada awal Oktober lalu, NHI menerima
    banyak pertanyaan daripada orang ramai yang ingin mengetahui
    keistimewaan pinggan ubi kayu. Dengan dihasilkan daripada bahan semula
    jadi dan mesra alam, pinggan pakai buang ubi kayu memang
    ditunggu-tunggu untuk menggantikan pinggan pakai buang yang ada di
    pasaran sekarang.

    Memang diakui di pasaran sekarang terdapat pelbagai jenama
    pinggan pakai buang yang kebanyakannya dihasilkan daripada bahan
    buangan. Ada juga yang dihasilkan daripada bahan petroleum. Justeru,
    dari segi kesihatan, penggunaan produk itu agak berisiko kerana ia
    mungkin merangsang sel barah, lebih-lebih lagi ia mengambil masa antara
    120 hingga 80 hari untuk terbiourai.

    Doh perlu diuli selama 30 minit.

    Pinggan daripada ubi kayu agak berbeza kerana ia lebih mesra alam dan
    boleh lupus dalam tanah pada masa lebih cepat, iaitu 28 hari.

    Pengarah Urusan NHI, Ramaness Parasuraman, berkata pinggan
    daripada ubi kayu bukanlah satu-satunya produk keluaran NHI, sebaliknya
    syarikat itu akan menghasilkan mangkuk, sudu, garfu selain bekas
    makanan dan talam daging daripada bahan itu mulai tahun depan.

    Ramaness berkata, matlamat utama syarikat itu menghasilkan
    pinggan ubi kayu bertujuan untuk memberi pilihan produk yang mesra alam
    kepada pengguna.

    “Pinggan ubi kayu adalah pilihan terbaik bagi kempen cintai
    alam sekitar. Ia mudah lupus kerana dibuat daripada bahan semula jadi
    selain sisanya boleh dijadikan makanan ternakan,” katanya.

    P Ramaness (kanan) berbangga dengan produk pinggan ubi kayu mesra alam hasil penyelidikan selama tiga tahun.

    Pinggan ubi kayu memiliki jangka hayat selama dua tahun dan selepas itu
    mikrobnya akan lupus secara semula jadi menjadikan saiznya mengecil
    daripada saiz sebenar.

    Ramaness berkata, syarikat itu menghasilkan pinggan ubi kayu
    berasaskan pemerhatian selain pembangunan dan penyelidikan yang
    dilakukannya.

    “Dulu ubi kayu popular sebagai kerepek. Sekarang, ia boleh
    dibangunkan menjadi pinggan sekali gus membantu meningkatkan ekonomi
    petani. Penggunaan pinggan ubi kayu juga bersesuaian dengan polisi
    sesetengah negara yang menggalakkan produk mesra alam,” katanya.

    Beliau berkata, polisi kebanyakan negara barat yang
    mengharamkan penggunaan bekas makanan daripada polistrin membuka ruang
    kepada produk berkonsepkan mesra alam seperti pinggan ubi kayu.

    “Ketika kami membawanya ke Amerika Syarikat buat pertama
    kali, ia mendapat sambutan yang sungguh menggalakkan. Malah, kami
    menerima tempahan dari sebuah rangkaian hipermarket di negara itu dan
    mulai tahun ini kami akan meningkatkan pengeluarannya,” katanya.

    Selain Amerika Syarikat, konsep mesra alam pinggan ubi kayu
    ini turut menarik perhatian syarikat pengendali kereta api China, iaitu
    China Railways Road yang menyediakan ribuan kotak makanan sehari untuk
    penumpangnya menggunakan pinggan pakai buang, polistrin.

    Bekas makanan itu biasanya sukar diuruskan kerana jumlahnya yang banyak dan mengambil masa lama untuk dilupuskan.

    Ramaness berkata, selain mempromosikan produk mesra alam untuk
    menembusi pasaran antarabangsa, pengeluarannya pinggan ubi kayu boleh
    meningkatkan taraf hidup petani di negara ini yang mengusahakan tanaman
    itu.

    Ketika ini kebanyakan bekalan ubi kayu yang diperoleh NHI
    dibawa masuk dari Thailand. Namun, menjelang tahun depan bekalan mentah
    ubi kayu juga dijangka diperoleh dari ladang tempatan seperti Kelantan.

    NHI kini beroperasi di Nilai dengan kapasiti pengeluaran
    sebanyak 1.5 juta unit sebulan. Oleh kerana sambutan sungguh
    menggalakkan daripada pasaran tempatan dan luar negara, NHI akan
    memperbesarkan saiz kilang, menambah lima buah mesin yang dibeli dari
    Jerman.

    Peningkatan taraf kilang dijangka mampu menghasilkan
    sekurang-kurangnya 48 juta unit pinggan. Untuk memenuhi permintaan dari
    negara luar antaranya Amerika Syarikat dan China, NHI juga
    mengalu-alukan mereka yang berminat untuk membuat pelaburan dan menjadi
    wakil pengedar.

    INFO: Pinggan ubi kayu

  • Pinggan ubi dihasilkan daripada 99 peratus tepung ubi kayu
  • Prosesnya bermula dengan diformulasikan selama 20 minit sebelum diuli dengan mesin uli berbentuk kawah kecil selama 30 minit.
  • Selepas menjadi doh, ia akan dipotong-potong kecil menggunakan mesin pemotong.
  • Setiap satu doh dimasukkan ke dalam acuan membentuk pinggan.
  • Setiap satu doh akan dibakar selama 45 saat pada tahap 220 hingga 240 darjah Celsius.
  • Pinggan yang dihasilkan akan dihantar ke mesin
    pengukur dan pemotong berbentuk saiz pinggan bagi memastikan setiap
    produk memiliki ukuran standard.
  • Pinggan ubi kayu boleh menahan kepanasan hingga 180 darjah Celsius atau selama empat jam sebelum mula mengembang.
  • Bagi makanan sejuk ia boleh bertahan selama sehari.
  • Jika tidak digunakan langsung, ia boleh bertahan selama dua tahun.
  • Bagi memastikan mutu dan kualiti pinggan yang
    dihasilkan, hanya ubi kayu jenis KU 55 saja digunakan. Ini kerana ubi
    kayu jenis ini memiliki kandungan serat yang tinggi.
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    Simpan emas lebih untung

    Posted on 13 January 2009. Filed under: Franchise Opportunities, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Pasif, Perniagaan Emas, Plan Perniagaan | Tags: , , , , , , , |

    Simpan emas lebih untung

    Oleh Siti Nur Almizan Aripin
    snur@nstp.com.my

    Etika Emas tawar skim simpanan emas yang menjanjikan pulangan tunai setiap bulan

    MEMBELI emas untuk penyimpanan kedengaran sedikit janggal kerana ramai beranggapan logam kuning keemasan itu lebih terserlah kemewahan dan ketinggian mutunya apabila dipamerkan sebagai perhiasan diri.

    Bagaimanapun, kemelut ekonomi yang melanda dunia menyebabkan ramai mula sedar mengenai kepentingan membeli emas untuk dijadikan asetPelaburan.

    Pemangkin terhadap minat serta trend yang semakin berkembang itu adalah fungsi komoditi itu sebagai penyimpan nilai kalis inflasi dan berdaya tahan terhadap ketidaktentuan ekonomi global yang sedang melanda ekonomi dunia ketika ini.

    Mengapa melabur emas? Jawapannya sangat mudah. Melabur emas bukan sekadar mendapatkan keuntungan ke atas modal tapi juga melindungi nilai aset daripada inflasi dan deflasi.

    Presiden Etika Emas Estet Berhad, Mohd Amin Supian, berkata emas adalah logam berharga yang sentiasa disebut di dalam Tamadun Islam dan peradaban dunia.

    Perkataan emas atau ‘gold’ berasal daripada perkataan Indo-Eropah iaitu kuning yang merujuk kepada logam yang menonjol sifatnya.

    “Seistimewa rupa dan nilainya, emas juga bersifat kekal. Selain melambangkan ketulenan, bernilai tinggi, kedaulatan dan simbol status, emas juga menjadi lambang kemewahan kepada individu atau sesebuah negara yang memilikinya,” katanya.

    Pada 2003, mantan Perdana Menteri, Tun Dr Mahathir Mohamed pernah melihat kebaikan dinar emas sebagai mata wang seragam dan tetap nilai seperti diperkenalkan ketika zaman Rasulullah SAW.

    “Sayangnya ketika itu idea Tun Dr Mahathir agak sukar untuk diterima, dipandang remeh serta dilihat sebagai saingan dan seakan hendak meniru euro dolar Eropah,” katanya.

    MOHD AMIN menunjukkan jonkong emas pelbagai saiz yang dijual untuk skim pelaburan di Etika Emas.

    Bertitik tolak daripada kesedaran mengenai kepentingan menyimpan emas, Mohd Amin dan kumpulannya mengambil inisiatif untuk menubuhkan sebuah syarikat yang menjalankan aktiviti membeli dan menjual emas fizikal 24 karat dengan kualiti 999.9 atau 99.9% tulen.

    Sebagai jaminan, setiap pelanggan yang membeli dan menyimpan emas di Etika Emas ditawarkan emas fizikal iaitu emas sebenar yang boleh dilihat, dipegang dan disimpan sebelum dicagarkan di skim Ar-Rahnu ditawarkan Bank Rakyat.

    Selain itu, Etika Emas yang ditubuhkan dua tahun lalu itu juga turut menawarkan khidmat perundingan kepada pelanggan mengenai cara mengurus aset emas dengan bijak selain koperasi bagi menguruskan sendiri skim pajak gadai emas berlandaskan Syariah atau Ar-Rahnu dengan kelulusan daripada Suruhanjaya Koperasi Malaysia (SKM).

    Kata Mohd Amin, selepas mengetahui kehebatan penyimpanan emas, dia melakukan banyak penyelidikan dan pembacaan malah turut berkongsi pengetahuan mengenai penyimpanan emas daripada rakan-rakan yang sudah lama membeli dan menyimpan emas fizikal sebagai pelaburan.

    “Perbezaan antara menyimpan emas fizikal dan emas yang sudah siap diproses (barang kemas, syiling emas) adalah dari sudut keuntungan kerana pembelian jongkong emas membolehkan kita mendapat keuntungan bersih.

    “Emas yang dibeli dalam bentuk barangan kemas atau syiling emas dijual pada kadar 40 peratus tinggi daripada jongkong emas iaitu membabitkan kos buruh. Justeru, jika anda berminat untuk menyimpan emas, jongkong emas lebih digalakkan kerana untung bersih yang dimiliki jika ia dijual lebih tinggi,” katanya.

    Seperti dikatakan Mohd Amin, menyimpan jongkong emas sebagai aset pelaburan juga menggunakan kaedah yang sama seperti jual beli saham dan jual beli mata wang (tidak dibenarkan Bank Negara Malaysia).

    Katanya, pemilik emas mempunyai pilihan sama ada menyimpan sendiri emas milik mereka atau menyimpannya di peti simpanan bank. Jika mereka inginkan wang di saat memerlukan, simpanan emas fizikal berkenaan boleh dijual tapi nilainya akan susut antara 15 hingga 30 peratus daripada harga pasaran.

    “Sebagai alternatif, mereka boleh mendapatkan pinjaman atau modal pusingan pada kadar 50 hingga 65 peratus dengan mencagarkan emas yang dimiliki di pajak gadai konvensional atau pajak gadai Islam, Ar-Rahnu.

    “Emas yang dicagar boleh ditebus atau diambil kembali dengan menunjukkan surat pajakan, kad pengenalan, membayar jumlah prinsipal pinjaman dan upah simpan (Ar-Rahnu) atau faedah (pajak gadai konvensional),” katanya.

    Bagaimanapun, bagi melunaskan sebahagian daripada tanggungjawab sebagai seorang Muslim, Mohd Amin menyimpan impian menjadikan penubuhan Etika Emas sebagai sesuatu yang mendatangkan kebaikan kepada orang ramai dan umat Islam khususnya.

    “Koperasi Etika Emas ditubuhkan bagi membantu orang ramai mendapatkan manfaat daripada program simpanan dan pembelian emas yang dijalankan, seterusnya kita ingin melihat pajak gadai Islam Ar-Rahnu dibuka di seluruh negara.

    “Etika Emas juga ingin melihat pemilikan emas di kalangan golongan muda kerana kami sedar pemilikan emas walaupun di dalam jumlah yang sedikit sebenarnya dapat membantu perkembangan tamadun dan ummah melalui kadar zakat 2.5 peratus setahun yang dikenakan,” katanya.

    Katanya, nilai emas yang tidak menyusut menyebabkan simpanan jongkong emas mendatangkan keuntungan terutama ketika gelora ekonomi melanda dan Mohd Amin juga menyarankan orang ramai supaya membuat simpanan emas fizikal sebagai jaminan masa depan.

    Nilai emas tidak menyusut tapi jika anda perhatikan nilai mata wang mudah mengalami kejatuhan. Tidak keterlaluan dikatakan, di saat negara bergolak mata wang tidak menjanjikan jaminan kesenangan atau pengaruh.

    “Jadikan sayap juruterbang yang diperbuat daripada emas sebagai contoh, jika mereka terhempas dan masih selamat, pin emas itu akan menjadi penyelamat kerana nilai emas dijamin nilainya walau di kalangan Orang Asli,” katanya.

    Selepas dua tahun ditubuhkan, Etika Emas kini berbangga kerana mempunyai 2,600 pelanggan yang membeli dan menyimpan emas fizikal melalui program ditawarkan dan 600,000 keping dinar emas terjual dengan jumlah simpanan emas fizikal sebanyak 1.6 tan.

    “Tahun ini kami mensasarkan lebih ramai penyimpan emas termasuk perseorangan daripada luar negara dengan pertambahan simpanan emas lebih daripada 45 tan. Tapi kami akan pastikan simpanan emas dibuat di dalam negara bertujuan untuk meningkatkan simpanan emas di dalam negara,” katanya.

    Berbeza antara pembelian emas dari Etika Emas dan kedai emas biasa adalah setiap hadiah (pengurangan harga) diberikan di dalam bentuk tunai setiap bulan iaitu pada kadar 30 peratus daripada 100 gram emas yang dibeli selama enam bulan.

    “Selain program pembelian satu jongkong emas, kami juga menawarkan program dua iaitu beli satu dan dipinjamkan satu jongkong daripada Etika Emas ke dalam akaun simpanan untuk menggalakkan mereka membuat tambahan simpanan emas apabila tempoh gadaian pertama tamat.

    “Tapi jika harga emas dunia meningkat, mereka boleh membuat pilihan sama ada hendak menjual atau terus menyimpan jongkong emas yang dimiliki bergantung kepada keperluan,” katanya.

    Info

  • Jongkong emas dijual Etika Emas adalah di dalam kiraan berat 20 kg, 50 kg, 100 kg, 500 kg, 1 kg dan paling berat adalah 12.5 kg.
  • Nilai berat setiap jongkong berkenaan dibuat berdasarkan harga pasaran antarabangsa dan boleh di rujuk melalui laman web http://www.kitco.com atau http://www.wgc.com.
  • Pasaran London menawarkan penjualan segera dan penjualan akan datang untuk emas. Ia ditetapkan oleh Geng Lima yang mewakili pengedar emas serta bank terpengaruh dunia. Geng Lima terdiri daripada ketuanya, N M Rothschild, Societte General, Hongkong Shanghai Bank (HSBC), Scotia Mocatta dan Deutsche Bank.
  • Nilai jual Kijang emas yang dikeluarkan Bank Negara Malaysia (31 Disember 2008) adalah RM3,200 untuk berat 31.10 g (1oz), RM1,630 (15.55 g) dan RM830 (7.775 g).
  • Pelaburan emas terbahagi kepada empat iaitu pelaburan barang kemas, syiling emas, jongkong emas dan dinar emas.

    Fakta

  • Ahli kimia tidak pernah berjaya menghasilkan emas tiruan kerana sifat logam berkenaan sukar ditiru.
  • Sifat emas tulen adalah lembut paling boleh ditempa dan dibentuk.
  • Emas asli boleh disahkan tulen melalui dua cara mudah iaitu apabila digigit, ia meninggalkan kesan lekuk gigi, kedua apabila dibakar atau dicairkan, ia tidak berubah warna.
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    If you “S.P.O.T.” a Scam, do the “L.I.S.T.”

    Posted on 12 January 2009. Filed under: Finance, FOREX, HYIP, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Plan Perniagaan |

    Pelaburan > Perlindungan Pelabur >

    Jika anda nampak “T.I.P.U.”, “C.E.L.I.K.”lah

    Tanpa disedari , anda mungkin sudah ditipu oleh skim pelaburan dan sebelum sempat berbuat apa-apa, anda sudah pun terjebak! Skim pelaburan yang menipu sentiasa menjanjikan pulangan yang luar biasa dan tidak pernah anda fikirkan. Disampaikan dengan gimik jualan yang paling menarik, ia boleh dengan mudah memerangkap pelabur yang tidak mencurigainya. Walaupun anda mungkin boleh mengelak daripada ditipu oleh skim penipuan, orang yang rapat dengan anda mungkin boleh terpedaya. Jadi, bagaimana hendak mengenal pasti penipuan dalam skim pelaburan?


    Lakukan ujian T.I.P.U.
    Ada empat ujian mudah yang boleh diguna pakai apabila anda ditawarkan dengan pelaburan yang “pulangannya sangat tinggi dan tanpa risiko”:

    Jika sesuatu tawaran pelaburan memenuhi ciri-ciri “T.I.P.U.” di atas, “C.E.L.I.K.” lah:

    Kenal pasti mereka sebelum mereka memerangkap anda

    Banyak orang diperdaya untuk melabur dalam skim pelaburan yang menipu. Tetapi jumlah yang tampil untuk membuat aduan hanya sedikit. Kebanyakannya menggunakan alasan “sudah tiada nasib” sebagai sebab mereka mengalami kerugian. Sikap ini hanya menggalakkan skim penipuan semakin bercambah. Jika anda tampil dengan maklumat tentang skim penipuan tersebut, anda boleh membantu SC untuk membanteras kegiatan mereka sebelum orang lain yang mungkin seseorang yang rapat dengan anda, menjadi mangsa mereka seterusnya.

    Ingatlah, jika anda nampak TIPU, CELIKlah. Jika anda mengenal pasti sesuatu skim pelaburan yang mencurigakan, segera buat laporan kepada Jabatan Hal Ehwal Pelabur & Pengaduan SC di nombor 03–6204 8999.

    Investments > Investor Protection >

    If you “S.P.O.T.” a Scam, do the “L.I.S.T.”

    When you least expect it, you may be faced with an investment scam and even before you can draw your next breath, you may find yourself trapped! Investment scams always promise unprecedented returns beyond your wildest imagination. Delivered in a sweetest possible sales pitch, it can easily trap any unsuspecting prey. Even if you can avoid it, someone close to you may not. So how do you identify scams?
    Do the S.P.O.T. testHere are four simple tests you can apply whenever you are offered an “extremely high return with no risk” investment:
    img_SPOT_1.jpg img_SPOT_1a.jpg
    img_SPOT_2.jpg img_SPOT_2a.jpg
    img_SPOT_3.jpg img_SPOT_3a.jpg
    img_SPOT_4.jpg img_SPOT_4a.jpg

    If an investment offer fulfils the “S.P.O.T” test, do the “L.I.S.T”:

    img_LIST_1.jpg img_LIST_1a.jpg
    img_LIST_2.jpg img_LIST_2a.jpg
    img_LIST_3.jpg img_LIST_3a.jpg
    img_LIST_4.jpg img_LIST_4a.jpg

    Get them before they get you

    Many people have been tricked into investing in scams. But the number that come forward to complain is small. Most would cite “bad luck” as the reason for their losses. This attitude only encourages scams to proliferate. If you come forward with information of a scam, you could help the SC get to them first before it gets its next victim who could be someone close to you.

    Remember if you see the SPOT, do the LIST. If you identify a scam, let the SC Investor Affairs & Complaints Department know immediately at +60362048999

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    Major deals in Malaysia

    Posted on 31 December 2008. Filed under: Finance, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Plan Perniagaan |

    Saturday November 29, 2008

    Major deals in Malaysia

    AirAsia Bhd

    AIRASIA Bhd’s major shareholders are nearing completion of a deal to finance the privatisation of the company. It was reported that the airline’s major shareholder, Tune Air Sdn Bhd, is likely to announce a general offer soon.

    The indicative offer price is said to be RM1.30 to RM1.35 a share. It will cost Tune Air RM2.14bil to RM2.22bil to buy the remaining stakes in the airline that it does not own. Tune Air now has 30.72% stake in AirAsia.

    AirAsia made its debut on Bursa Malaysia in 2004 at RM1.25. The low cost carrier flies to more than 100 routes. Over the past six years of operation, it had carried over 50 million passengers and expanded its fleet from just two aircraft to 70.

    VADS Bhd

    TELEKOM Malaysia Bhd (TM), which owns 63.3% of VADS, is taking VADS private with a selective capital reduction and repayment exercise. This means that only shareholders other than TM will receive the payment.

    TM is offering RM7.60 per share in cash for the privatisation, in an exercise that will involve a capital repayment to minorities after a proposed bonus issue.

    Since its debut Bursa Malaysia’s second board in August 2002, VADS’ share price has risen 10 fold (post bonus issue and transfer to main board) and 13 times, taking into account the dividend payout.

    However, through much of the time, between its debut and late 2005, the counter hovered around the RM1 level.

    It closed at its all-time high of RM6.80 on the Friday prior to its day-long suspension to announce its privatisation.

    M3nergy Bhd

    Melewar Equities BVI, and persons acting in concert (PAC), issued a conditional takeover on oil and gas services and infrastructure engineering firm M3nergy Bhd for RM1.20 per share on Sept 12. Melewar presently has a 55.8% stake in the company.

    The offer price represents a premium to average market price of 43% (last 90 days before announcement) and 44% (last 30 days). This makes the Melewar deal one of the most generous compared to other privatisation exercises executed during the year in terms of premium offered.

    Harrison Holdings (Malaysia) Bhd

    BUMI Raya International Holding Co Ltd made a mandatory general offer (MGO) for the remaining 36.26 million shares, or 57.46%, of Harrison Holdings (Malaysia) Bhd it does not own at RM1.20 each or a total of RM43.52mil.

    The MGO was triggered when the Cayman Island-registered Bumi Raya bought 8.02 million shares or 12.7% of Harrison for RM9.62mil cash or RM1.20 a share, raising its stake in the company to 36.83% from 24.13%.

    Bumi Raya’s offer of RM1.20 cash per ordinary share was a premium of 3.45% over the five-day volume-weighted average market price of RM1.16 per Harrison share.

    Incorporated on April 27, 1990, Bumi Raya’s business activities comprise marketing, sales and distribution of consumer products, wines and building materials, as well as shipping, insurance and travel agencies.

    Ranhill Utilities Bhd

    ON Aug 28, Ranhill Utilities Bhd was delisted from the stock exchange after it was taken private at a price of RM3.50 per share.

    Ranhill Bhd announced that its president and chief executive Tan Sri Hamdan Mohamad was taking Ranhill utilities private under a RM305.11mil takeover offer.

    Hamdan and partner Ahmad Zahdi Jamil offered RM3.50 each for the remaining 87.17 million shares, or a 29.60 per cent stake, in RUB.

    This offer price represents a 38 sen premium to RUB’s share price of RM3.12 at the time the announcement was made.

    Some felt that the proposed takeover offer of Ranhill Utilities at RM3.50 cash a share was too low, being 31% below its net tangible assets (NTA), hence prompting some minority shareholders to take their grievances to the Minority Shareholder Watchdog Group (MSWG).

    Boustead Properties Bhd

    Diversified conglomerate Boustead Holdings Bhd privatised its 65% owned property arm, Boustead Properties at an offer price of RM5.50 per share, a premium of 18.5% to the latter’s last done price of RM4.64.

    At the time of the announcement, Boustead Properties’ other shareholder was Lembaga Tabung Angkatan Tentera (LTAT), which owned 8.6%. LTAT was also the largest shareholder in Boustead Holdings, with a 57.5% stake or about 361.7 million shares.

    Industrial Concrete Products Bhd

    Offeror IJM Corp Bhd has proposed to issue new shares to privatise Industrial Concrete Products Bhd (ICP). Under the proposed voluntary general offer (VGO), ICP shareholders will receive cash plus new IJM Corp shares. IJM Corp is expected to issue 80.6 million new shares and make a RM34.9mil cash outlay funded through borrowings for the privatisation exercise.

    For every 100 shares held in ICP, shareholders will get RM26 cash plus 60 IJM Corp shares, which would be issued at RM5.06 each. The issue price was the five-day weighted average market price of IJM Corp as at Sept 4.

    Based on the issue price of RM5.06, the VGO values ICP shares at RM3.30, representing a 17% premium over ICP’s last traded price before the announcement was made on Sept 5.

    Some observers had already argued that the offer was too low.

    They felt that ICP deserved a higher valuation, given its promising earnings prospects. Its order book was strong despite the difficult local operating environment.

    Aseambankers, however, felt that the offer was fair. It said that based on the consensus 2009 price/earnings ratio of 10.2 times for ICP, the offer was considered reasonable for a mid-cap under the current bearish situation.

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    AIRASIA :  [Stock Watch]  [News
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    Alkisah bermula Skim Cepat Kaya : Charles Ponzi

    Posted on 27 December 2008. Filed under: Banking, Finance, HYIP, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Perbankkan, Plan Perniagaan | Tags: |

    Charles Ponzi

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    Charles Ponzi
    Ponzi in 1920
    Born March 3, 1882
    Lugo, Italy
    Died January 18, 1949 (aged 66)
    Rio de Janeiro, Brazil
    Charge(s) Mail fraud
    Penalty 5 years (federal, served 3 and half years before facing state charge) and 9 years (state)
    Status Deceased
    Occupation Con man
    Spouse Rose Gnecco

    Charles Ponzi (March 3, 1882January 18, 1949) was an Italian immigrant to the United States who became one of the greatest swindlers in American history. His aliases include Charles Ponei, Charles P. Bianchi, Carl and Carlo. The term “Ponzi scheme” is a widely known description of any scam that relies on a “pyramid” of “investors” who contribute money to a fraudulent program. He promised clients a 50% profit within 45 days, or 100% profit within 90 days, by buying discounted postal reply coupons in other countries and redeem them at face value in the United States as a form of arbitrage.[1][2] Ponzi was probably inspired by the scheme of William Miller, a Brooklyn bookkeeper who in 1899 used the same pyramid scheme to take in $1 million.[3]

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    [edit] Early life

    Parts of Charles Ponzi’s life are somewhat difficult to determine, due to his propensity to fabricate and embellish facts. He was born Carlo Ponzi in Lugo, Italy in 1882. He told the New York Times that he had come from a well-to-do family in Parma, Italy.[3] He took a job as a postal worker early on, but soon was accepted into the University of Rome La Sapienza. His friends considered the university a “four-year vacation”, and he was inclined to follow them around to bars, cafés, and the opera.

    [edit] Arrival in America

    On November 15, 1903 he arrived aboard the S.S. Vancouver in Boston. By his own account, Ponzi arrived in the United States in 1903 with two dollars and fifty cents in his pocket, having gambled away the rest of his life savings during the voyage. “I landed in this country with $2.50 in cash and $1 million in hopes, and those hopes never left me,” he later told the New York Times.[3] He quickly learned English and spent the next few years doing odd jobs along the East Coast, eventually taking a job as a dishwasher in a restaurant, where he slept on the floor. He managed to work his way up to the position of waiter, but was fired for shortchanging the customers and theft.

    In 1907 Ponzi moved to Montreal, Quebec, and became an assistant teller in the newly opened Banco Zarossi, a bank started by “Louis” Luigi Zarossi to service the influx of Italian immigrants arriving in the city. Zarossi paid 6% interest on bank deposits – double the going rate at the time – and was growing rapidly as a result. Ponzi found out that the bank was in serious financial trouble because of bad real estate loans, and that Zarossi was funding the interest payments not through profit on investments, but by using money deposited in newly opened accounts. The bank eventually failed and Zarossi fled to Mexico with a large portion of the bank’s money.

    Ponzi stayed in Montreal and, for some time, lived at Zarossi’s house helping the man’s abandoned family while planning to return to the United States and start over. As Ponzi was penniless, this proved to be very difficult. Eventually he walked into the offices of a former Zarossi customer and, finding no one there, wrote himself a check for $423.58 in a checkbook he found, forging the signature of a director of the company. Confronted by police who had taken note of his large expenditures just after the forged check was cashed, Ponzi held out his hands wrist up and said “I’m guilty.” He ended up spending three years in a Quebec prison. Rather than inform his mother of this development, he posted her a letter stating that he had found a job as a “special assistant” to a prison warden.

    After his release in 1911 he decided to return to the United States, but got involved in a scheme to smuggle Italian illegal immigrants across the border. He was caught and spent two years in an Atlanta prison. Here he became a translator for the warden, who was intercepting letters from a mobster, Ignazio “the Wolf” Lupo. Ponzi ended up befriending Lupo. However it was another prisoner who became a true role model to Ponzi; Charles W. Morse convinced doctors Ponzi was dying by eating soap shavings, and was released early.

    [edit] The Ponzi scheme

    Ponzi under arrest circa 1910

    When Ponzi was released he eventually made his way back to Boston. There he met Rose Maria Gnecco, a stenographer, whom he asked to marry him. Though Ponzi did not tell Gnecco about his years in jail, his mother sent Gnecco a letter telling her of Ponzi’s past. She remained with him nonetheless, and they married in 1918. (The couple divorced circa 1937, and Rose Gnecco, who later remarried, eventually became the bookkeeper for the New Cocoanut Grove Inc, the parent company of Boston’s Cocoanut Grove nightclub.)[4][3][5] For the next few months he worked at a number of businesses, including his father-in-law’s grocery, before hitting upon an idea to sell advertising in a large business listing to be sent to various businesses. Ponzi was unable to sell this idea to businesses, and his company failed soon after.

    A few weeks later Ponzi received a letter in the mail from a company in Spain asking about the catalog. Inside the envelope was an International reply coupon (IRC), something which he had never seen before. He asked about it and found a weakness in the system which would, in theory, allow him to make money.

    The purpose of the postal reply coupon was to allow someone in one country to send it to a correspondent in another country, who could use it to pay the postage of a reply. IRCs were priced at the cost of postage in the country of purchase, but could be exchanged for stamps to cover the cost of postage in the country where redeemed; if these values were different, there was a potential profit. Inflation after the First World War had much decreased the cost of postage in Italy expressed in U.S. dollars, so that an IRC could be bought cheaply in Italy and exchanged for U.S. stamps to a higher value. The process was: send money abroad; have IRCs purchased by agents; send the IRCs to the U.S.A.; redeem the IRCs for stamps to a higher value; sell the stamps. Ponzi claimed that the net profit on these transactions, after expenses and exchange rates, was in excess of 400%. This was a form of arbitrage, or profiting by buying an asset at a lower price in one market and immediately selling it in a market where the price is higher, which is not illegal.

    Ponzi canvassed friends and associates to back his scheme, offering a 50% return on investment in 45 days. The great returns available from postal reply coupons, he explained to them, made such incredible profits easy. He started his own company, the “Securities Exchange Company”, to promote the scheme.

    Some people invested, and were paid off as promised. The word spread, and investment came in at an ever-increasing rate. Ponzi hired agents and paid them generous commissions for every dollar they brought in. By February 1920, Ponzi’s total take was US$5,000, (approximately US$54,000 in 2008 dollars).

    By March he had made $30,000 ($328,000 in 2008 terms). A frenzy was building, and Ponzi began to hire agents to take in money from all over New England and New Jersey. At that time investors were being paid impressive rates, encouraging yet others to invest.

    By May 1920 he had made $420,000 ($4.59 Million in 2008 terms). He began depositing the money in the Hanover Trust Bank of Boston (a small Italian American bank on Hanover Street in the mostly Italian North End), in the hope that once his account was large enough he could impose his will on the bank or even be made its president; he did, in fact, buy a controlling interest in the bank. One biographer of Ponzi who wrote eighty years later described the cash price at which the bank’s founding family sold their stake as suspiciously high. Having had a fiduciary duty to protect their depositors they were a lasting unindicted beneficiary without direct involvement.[citation needed]

    By July 1920 he had made millions. People were mortgaging their homes and investing their life savings. Most did not take their profits, but reinvested.

    Ponzi was bringing in cash at a fantastic rate, but the simplest financial analysis would have shown that the operation was running at a large loss. As long as money kept flowing in, existing investors could be paid with the new money, but colossal liabilities were accumulating.

    Ponzi lived luxuriously: he bought a mansion in Lexington, Massachusetts with air conditioning and a heated swimming pool, and brought his mother from Italy in a first-class stateroom on an ocean liner.

    [edit] Suspicion

    There were signs of Ponzi’s eventual ruin: a furniture dealer, who had given Ponzi furniture when he could not afford to pay, sued Ponzi to cash in on the gold rush. The lawsuit was unsuccessful, but it did start people asking how Ponzi could have gone from being penniless to being a millionaire in so short a time. There was a run on the Securities Exchange Company as some investors decided to pull out.

    Ponzi paid them and the run stopped. In fact, on July 24, 1920, the Boston Post printed a favorable article on Ponzi and his scheme that brought in investors faster than ever. At that time, Ponzi was making $250,000 a day.

    Despite this reprieve, one of the editors of the Post was suspicious and assigned investigative reporters to check Ponzi out. He was also under investigation by the Commonwealth of Massachusetts, and on the day the Post printed its article Ponzi met with state officials. He managed to divert the officials from checking his books by offering to stop taking money during the investigation; a fortunate choice, as proper records were not being kept. Ponzi’s offer temporarily calmed the suspicions of the state officials.

    [edit] Collapse of scheme

    By this time Ponzi was seeking another deal to get him out of the golden trap he had built for himself, but time was running out. On July 26 the Post started a series of articles that asked hard questions about the operation of Ponzi’s money machine. The Post contacted Clarence Barron, the financial analyst who published the Barron’s financial paper, to examine Ponzi’s scheme. Barron observed that though Ponzi was offering fantastic returns on investments, Ponzi himself wasn’t investing with his own company.

    Barron then noted that to cover the investments made with the Securities Exchange Company, 160,000,000 postal reply coupons would have to be in circulation. However, only about 27,000 coupons were actually circulating. The United States Post Office stated that postal reply coupons were not being bought in quantity at home or abroad. The gross profit margin in percent on buying and selling each IRC was colossal, but the overhead required to handle the purchase and redemption of these items, which were of extremely low cost and were sold individually, would have exceeded the gross profit.

    The stories caused a panic run on the Securities Exchange Company. Ponzi paid out $2 million in three days to a wild crowd outside his office. He canvassed the crowd, passed out coffee and donuts, and cheerfully told them they had nothing to worry about. Many changed their minds and left their money with him.

    In the short term, Ponzi had hired a publicity agent, James McMasters. However, McMasters quickly became suspicious of Ponzi’s endless talk of postal reply coupons, as well as the ongoing investigation against him. He went to the Post, calling Ponzi a “financial idiot.” The paper offered him five thousand dollars for his story, and ran a headline on August 2 declaring Ponzi hopelessly insolvent. On August 10 federal agents raided the Securities Exchange Company and shut it down. There was no large stock of postal reply coupons. The Hanover Trust Bank was shut down as well. The Post continued their articles, with one revealing Ponzi’s jail record and publishing his (smiling) Canadian mugshots.

    On August 12, 1920 Ponzi was under arrest, with a Federal indictment. His liabilities were estimated at $7,000,000.[6]

    Ponzi’s supporters were outraged at the officers who arrested him. 17,000 people had invested millions, maybe tens of millions, with Ponzi. Many who were ruined were so blinded by their faith in the man or their refusal to admit their foolishness that they still regarded him as a hero.

    [edit] Prison and later life

    Con man Ponzi circa 1910

    On November 1, 1920, Ponzi pleaded guilty to mail fraud, and was sentenced to five years in federal prison. He was released after three and a half years to face state charges.[1] On November 29, 1924 proceedings were initiated to have him deported.[7] During a state trial he was again found guilty and sentenced to seven to nine years.[1] Before entering state prison, Ponzi jumped bail and fled to Florida, where he set up a real estate business in the Springfield section of Jacksonville. In September, 1925 Charpon Land Syndicate began selling “prime Florida property” to gullible investors.[1] In reality, it was a scam that sold swampland in Columbia County.[8]

    Ponzi was indicted by a Duval County grand jury in February, 1926 and charged with violating Florida trust and securities laws. A jury found him guilty and the judge sentenced him to a year in the Florida State Prison. Ponzi appealed his conviction and was freed after posting a $1,500 bond. Ponzi traveled to Tampa[8] where he shaved his head, grew a mustache, and tried to flee the country as a crewman on a merchant ship bound for Italy. However, the ship made one last American port call and he was caught in New Orleans and sent back to Massachusetts to serve out his prison term.[1]

    In the meantime, government investigators tried to trace Ponzi’s convoluted accounts to figure out how much money he had taken and where it had gone. They never managed to untangle it and could conclude only that millions had gone through his hands.

    Ponzi was released in 1934 and asked for a full pardon from Joseph Buell Ely, the Massachusetts Governor.[9]

    He was deported to Italy because he had never become an American citizen. His flashy confidence had faded by that time, and when he left the prison gates he was met by an angry crowd. He told reporters before he left: “I went looking for trouble, and I found it.” Rose stayed behind and later divorced him in 1937,[10] as she did not want to leave Boston for his sake. However, they continued to exchange hopeful love letters up until Ponzi’s death.

    In Italy, Ponzi jumped from scheme to scheme but little came of them. He eventually got a job in Brazil as an agent for Ala Littoria, the Italian state airline.[2] However, during World War II, the Brazilians, who had sided with the Allies, realized the Italians were using the airline to ship strategic materials and shut it down.

    [edit] Death

    Ponzi spent the last years of his life in poverty. He had a stroke in 1948, and died in a charity hospital in Rio de Janeiro on January 18, 1949. He was blind in one eye and partially paralyzed.[2]

    In the charity hospital, Ponzi granted one last interview to an American reporter, and commented about the wild ride he had given Bostonians: “Even if they never got anything for it, it was cheap at that price. Without malice aforethought I had given them the best show that was ever staged in their territory since the landing of the Pilgrims! It was easily worth fifteen million bucks to watch me put the thing over.”[11][3]

    [edit] Similar schemes

    [edit] References

    1. ^ a b c d ePonzi Payment“, Time magazine (January 5, 1931). Retrieved on 21 December 2008. “In 1920 thousands of gullibles had a more ornate picture of him. He was then the shrewd, straight-eyed miracle man of Boston’s Hanover Street. He promised his clients a 50% profit in 45 days. … The essence of his scheme was to buy postal reply coupons in countries with depreciated exchange, redeem them at face value for U. S.”
    2. ^ a b cTake My Money!“, Time magazine (January 31, 1949). Retrieved on 21 December 2008. “In Italy, Ponzi got on the good side of Mussolini’s Fascists, was sent to Rio de Janeiro as business manager for Italy’s LATI airlines. The war ended his job; after that he eked out a meager existence as a translator. Committed to a Rio charity ward, blind in one eye and partly paralyzed, he said not long ago: “I guess the only news about me that most people want to hear is my death.””
    3. ^ a b c d eIn Ponzi We Trust“, Smithsonian magazine (December 1998). Retrieved on 21 December 2008. “Ponzi himself was probably inspired by the remarkable success of William “520 percent” Miller, a young Brooklyn bookkeeper who in 1899 fleeced gullible investors to the tune of more than $1 million.”
    4. ^ John C. Esposito, “Fire in the Grove”, Da Capo Press, 2005
    5. ^ Grove, Martin A. (2004-2-13). “‘Ponzi’ Movie Isn’t Dunn Deal Yet, But Could Be“. The Hollywood Reporter. http://www.allbusiness.com/services/motion-pictures/4810464-1.html. Retrieved on 23 December 2008.
    6. ^Ponzi Arrested. Liabilities Put at $7,000,000. Federal Authorities Charge Using Mails to Defraud. State Warrant Charges Larceny. Claims $4,000,000 Assets. Bank Commissioner Fears Hanover Trust Assets Have Been Wiped Out. Investors Grow in Number. Attorney General Still Recording. Hundreds of Note Holders Caught in Crash.“, New York Times (August 13, 1920). Retrieved on 21 December 2008. “Liabilities running at least up to $7,000,000 and assets unknown, save for his assertion that they amount to $4,000,000, are among the echoes of the bursting of Charles Ponzi’s bubble this noon, when he surrendered …”
    7. ^Proceedings to Deport Coupon Financier to Canada or Italy Are Begun.“, New York Times (November 30, 1924). Retrieved on 21 December 2008. “Charles Ponzi, promoter of the get-rich-quick scheme of four years ago which attracted investments of many millions of dollars, was arrested early today by immigration authorities on a warrant charging that he is in this country illegally. Deportation proceedings will begin immediately, it was said by Immigration Commissioner John P. Johnson.”
    8. ^ a b Florida Times-Union December 22, 2008-Ponzi lived here: Infamous name tied to scheme was local by Jessie Lynne Kerr
    9. ^Ponzi Pardon Plea is Denied in Boston. Governor Ely Decision Is Followed by Court Move to Block Deportation.“, New York Times (July 13, 1934). Retrieved on 21 December 2008. “Governor Ely today denied Charles Ponzi’s petition for a full pardon, which would save him from deportation. The Governor made his decision after a hearing at the State House in which Ponzi pleaded tearfully to remain in this country.”
    10. ^Sued for Divorce“, Time magazine (1937). Retrieved on 21 December 2008. “Charles Ponzi, 54, celebrated Boston swindler, now a Roman tourist guide; by Mrs. Rose Ponzi whom he married in 1918; in Cambridge, Mass. Grounds: he had served “more than five years” (1922-34) in prison. Explained she: “When he was down … I stuck to him.””
    11. ^ Scams – and how to protect yourself from them. ISBN 1409232913. http://books.google.com/books?id=KNC_VRtss60C. “… to an American reporter, and commented about the wild ride he had given Bostonians: “Even if they never got anything for it, it was cheap at that price. …”
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    Dari Awang Binting Blogspot :-0

    Posted on 27 December 2008. Filed under: AROUND SABAH, Banking, Finance, HYIP, MLM, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, PENTERNAKAN, Plan Perniagaan |

    Peribadi Si Bangang teruk!!!

    Bagi pihak syarikat dan semua ahli GMSB, ditegaskan sekali lagi bahawa pihak syarikat tidak pernah mencetuskan permusuhan dengan sesiapa. Memang benar, di dalam forum ada pro dan kontra, pengkritik biarlah mengkritik. Sudah menjadi asam dan garam, ada yang menyokong dan menentang. Tetapi janganlah sampai ke tahap penghinaan, memperolok-olokkan Pengarah. Cara anda mengkritik menggambarkan keperibadian anda yang teruk. Baca di Nasi dan Garam Buntal- Produk terlaris Mirza
    Hahahah……Mun biskita kan tau, wikipedia mengkategorikan Charles Ponzi sebagai PENIPU, HINA dan PENJENAYAH.

    ——————————————————————
    CHARLES PONZI

    MUA BUNTAL

    Pandangan siring (Tonik marubah sagalanya)
    ——————————————————————

    Skim ini dinamakan sempena Charles Ponzi, yang menjadi terkenal hina kerana menggunakan teknik ini selepas berhijrah dari Itali ke Amerika Syarikat pada tahun 1903. Ponzi bukanlah orang pertama mencipta skim sebegini, tetapi operasinya mengaut jumlah wang yang begitu besar sehinggakan ia menjadi terkenal diseluruh Amerika Syarikat. Hari ini skim sebegini adalah lebih rumit berbanding Ponzi, sungguhpun formula asasnya adalah serupa dan prinsip dibelakan semua skim Ponzi adalah untuk mengambil peluang dari kehilangan pertimbangan fikiran, yang timbul akibat oleh perasaan tamak. Charles Ponzi dengan labu2nya – wikipedia

    Peribadi sibangang memang teruk dan peribadi orang yang membuat ponzi adalah HINA.

    Eeehhhhhhh, sukor sukor …… baik lagi “teruk” dari “hina” atu ci.

    Monday, December 15, 2008

    Gemilang Mirza adalah PONZI dan aku tetap ingin malabur!

    Nota: Baca sampai habis tulisan kuani. Jgnn jadi orang lapasan OUM. Bisidia ani inda pandai mambaca tulisan yg panjang2. Amun kan maki hamun kadiaku, lapas baca tah …

    Ada saurang dua yang baik usulnya di topix.com atu.

    Bisidia ani tahu pasal GM ani ponzi usulnya tapi tatap jua mau malabur.

    Respek tahku kan orang camani ani, kurapak banar tah mun biskita kan banar2kan tahu.

    Bukan bisidia ani ganya, samua tah 3 kategori orang yang paham konsep “high risk high return” dan di tabalikkan jadi “high return high RISK” inda tah ku mangacau lagi bisidia atu.

    Pertama: bisidia sudah paham 10 fakta pasal GM

    Kadua: bisidia tau yang pelaburan GM ani haram di sisi agama Islam

    Katiga: Tatap jua kan malabur

    Penyelesaian: Labur tia saja bah. Mun ilang pun sudah paham apa kan diingaukan!

    ———————————————————
    Soalan bangang:
    Soalnya mun si bangang banar2 pasti GM ponzi kanapa inda repot polis sama BNM saja?

    Jawapan lagi BANGANG:
    Inda bulih. Pasal paiparan, dang sanak ku pun samuha malabur siring padang atu. Talampau banyak karusakan usin bisidia atu amun ku mariput. Ramai jua kamu ani yangtau fakta2 yang kucaritakan atu, mana doktornya, mana cigunya, mana managernya… bukannya inda tahu nyanta. Tapi atutah namanya, tamaha. Pikiran bila sudah dikuasai oleh napsu kapala agung $$$ apa kan gaya.

    Jadi atutah sabapnya pandidikan yang dapat ku ambur2kan di blog ani –> untuk orang yang kan bapikir Ganya. Mana-mana biskita yang makihamun tabalas tah sama makihamun jua – aku apa kurangnya dalam soal makiamun ani. Dari 40,000 orang GM atu, inda payah banyak, saurang dua saja yang dapat manarima buah pikiranku cukup tah.
    ———————————————————

    Target kadiaku bukan 3 kategori palabur di atas atu. Yg ku tuju iatah palabur2 ygg dikimpin oleh orang2 OUM dibwh ani:

    1. Bisidia palabur yang inda paham apa2 tapi turut malabur pasal tamaha.

    2. Palabur yang join pasal GM asik2 mamesongkan info kunun ada kabanaran BNM tah. apatah.
    Dr Zetti Akthar Aziz Gabnor BNM atu bukannya palui nyamu tu Binting, binting …. Mun banar2 GM diapprop nya, atu menconteng arang dimuka bapanya Ungku Aziz yang merupakan pakar ekonomi terkemuka malaysia.

    3. Palabur2 buduh tamaha yang bautang sana-sini pasal kan malabur.
    Buduh-buduh. Main ponzi ani 1st golden rulenya ialah GUNAKAN HANYA USIN YANG BUKAN kan dipakai hari2, supaya amun GM hilang, usin rumah pambali gula susu inda takacau.

    4. Orang yang malabur dua tiga ribu lapas tu inda tia pandai mangambil usinnya. Pusing kunun. Pusing tia sampai puting baliung datang. 2nd Golden Rule – Usin ratus2 yang ada ditangan biskita lagi baik dr puluh2 ribu yg ada di GM. JADI KAUT SEBANYAK MUNGKIN USIN MIRZA, TAPI SETELAH DAPAT JGN LABUR BALIK SEMUANYA.

    5. Orang2 yang inda pandai baranti sampai last minit kana sarbu BNM. Labur 100,000 – lapas 6 bulan dapat 175,000. Cukup banyak sudah tu, baranti salagi bulih. Barapa banyak lagi barutah kan baranti, sampai kana sarbu?

    6. Plbur yang topuuuuuuuuuup inda baranti, kunun supaya usin baranak bacucu – bikin gumuk. Kamu cuma bikin sibinting gamuk. Macam buntal sudah mua nya atu kuliat.

    7. Palabur yang inda paham2 yg mini market GM atu INDA mampu menjana RM1 juta jualan. Paling basar Hypermart papar atu sudah tiga kali tukar owner. Mula2 Lady Hypermat, tukar Pasaraya Anda, tukar lagi GIANt. Mcm atu punya lama, Giant cuma bali kurang dari 400 ribu – anikan pulang Sibinting yang barukan bajual baras.

    ————————————————————–
    IKLAN PRODUK TERBARU MIRZA
    RABAN AYAM MUDAH ALIH

    HIDUP PASTI BERBEZA

    Sebalum Mirza

    Kandang Benoni.

    Mirza marubah sagalanya

    Si mua buntal sangat kreatif

    Raban mudah alih lengkap dengan tandas pam
    (ayam pun malabur di GM)

    Klihatan staff GM membuat demo bagaimana
    ayam begitu selesa malabur dalam raban.
    (Rambut staff GM ani jangan ditagurkan – atutah
    bahana makai tonik rambut mirza)
    ————————————————————–

    8. Palbur2 yang picaaya sibinting kan mambuat Mirza Islamic Finance Berhad. Inda ya tahu pakah kalulusan mambuat islamic finance lagi payah dari mambuat finance yang biasa. Islamic finance dikawal oleh akta bank islam – lain dari bafia. Buduhnya kau ani binting, Baiktah kau ani mambuat raban ayam mudah alih lagi sanang. TAPI yang pling kasian, baru jua sibinting mua buntal ani tau beza syarikt sendirian berhad dan berhad. Jadi dlm news sari atu, di tulis nya tia “Mirza islamic finance BERHAD”. Palir, palir ….

    9. Palabur yang picaya sibinting kan mambuat talipon 015. Ani tah palabur paling palui. Apa sabab celcom kana bali oleh tm, inda untung bah. kanapa mutiara telekom, adam telekom dulu ilang? persaingan industri telekomunikasi anigila2 bah – mambuat talipaun ani bukannya mcm mambuat tonik rambut nyanta. Teknologi barubah purata setiap dua tahun, jadi overheadnya bukan sadikit.

    10. Plabur yg teruja dengan penglibatan public figure yang jadi maskot GM>>> macam Patrick Sindu.

    Aku kanal bah si patrik opportunis ani. Orangnya suka serkap jarang. Selalu buat kesimpulan awal. Kurang hati-hati dalam tindakan sabab lampau kuat logop., tanyatah orang kampungnya. Atutah kogutan saja, mun bacaramah lari tajuk saja tia. Mana2 majilis Asal rehat makan ia tah yang dulu2 sama matanya yang mirah2 atu. Si patrik sudah banyak kali meletakkan kredibliti CASH dalam bahaya. Tahun ani saja sudah dua kali. Bulan dua lapas ia mencemarkan persatuan pengguna dengan mancampurkan politik dalam CASH – ya batanding jadi calun bebas. Terbaru jadi maskot GM >>>> Stop it Patrick! you bring disgrace to Sabah consumers <<<< Bila saja GM kana sarbu BNM nanti si Patrik ani patut letak jawatan – bikin malu Sabah saja. Begitu punya lama jadi orang kuat CASH sampai elaun RM2,000 pun dapat dari agensi PBB, tapi masih tamaha cari duit labih. Patut contohi tah personaliti penguna dari semenanjung macam HM Idris dari CAP atau Prof Dr. Hamdan dari FOMCA.

    Komen ??

    Any way latest result my GM poll

    Undian mengenai Gemilang Mirza hingga 27/12/2998

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    PQ ?

    Posted on 26 December 2008. Filed under: Finance, FOREX, HYIP, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Perbankkan, Plan Perniagaan |

    What is Forex?

    The off-exchange retail foreign currency market (“forex”) describes the purchase of a particular currency from an individual or institution and the simultaneous sale of another currency at the equivalent value or current exchange rate. Essentially, the process of exchanging one currency for another is a simple trade based on the current rates of the two currencies involved.

    At the core level of the world’s need for money exchange is the international traveler. When traveling from the US to England, for example, you will of course need the local currency to pay for transportation, food, and so on. Upon arrival at the airport you will surrender (sell) your US Dollars in order to receive (buy) the equivalent in British Pounds. In this example, you sold the USD and bought the GBP, conversely the forex counter bought the USD and sold the GBP. The prices at which you buy and sell currencies are known as exchange rates. This rate or price fluctuates based on demand and on political and economic events surrounding each country’s currency.

    A Global Market

    The example above illustrates foreign currency trading in basic terms as it relates to world travelers. However, the market is also utilized globally by each country’s central bank (i.e., America’s Federal Reserve), investment and commercial banks, fund management firms (mutual funds and hedge funds), major corporations, and individual investors or speculators. Depending on the timing of such transactions, purchasing a currency with the intent of later selling it at a better exchange rate (and vice versa) can potentially yield profits for investors, of course there is a strong potential for loss trading currencies as well.

    Utilization by so many parties is why the Forex market is the world’s largest financial market. This mind boggling volume is probably what led you to research the topic.

    How do you access the market?

    It is important to note that retail traders, such as yourself, will most likely be accessing the off-exchange foreign currency market (or Forex market) via an FCM (Futures Commissions Merchant) or broker. You will not be trading in the actual Interbank market itself. Your access to the total market will be determined by your chosen broker’s limitations.

    FCMs or brokers act as a bridge between you and their liquidity partner (sometimes larger global banks) that you would otherwise not have sufficient capital to do business with.
    ( view figure 1 ) The large majority of off-exchange retail foreign currency brokers act as market makers, meaning that by keeping many trades in house they create their own liquidity. Some retail brokers clear trades directly through to the larger banks that provide their liquidity. If you are new to the Forex market it would wise to research and understand your broker’s particular business model and method of clearing trades.

    Forex Market Hours

    Unlike other financial markets, the Forex market operates 24 hours a day, 5.5 days a week (6:00 PM EST on Sunday until 4:00 PM EST on Friday). Through an electronic network of banks, corporations and individual traders exchange currencies, though as the market is primarily used as a means for speculative investing, actual physical delivery of currencies is almost never intended. Forex trading begins every day in Sydney, moves to Tokyo, followed by Europe and finally the Americas.

    “Bid” vs. “Ask”

    Forex prices, or quotes, include a “Bid” and “Ask” similar to other financial products. Bid is the price at which a trader is able to sell a currency pair. The Bid price or sell price of a currency pair is always the lower price in a quote. Ask, sometimes referred to as “Offer”, is then the price at which traders are able to buy a currency pair. In other words, Forex traders always buy at the high and sell at the low of a price quote. The difference between the Bid and Ask is called the “Spread” or “Pip Spread”, which is the Trader’s cost per trade or per transaction. There are typically not additional broker commissions involved in trading the Forex market, as there might be when trading other investment markets.

    Reading Price Quotes

    Reading a forex quote may seem a bit confusing at first. However, it’s really quite simple if you are able to remember two things:

    1. The first currency listed is the base currency

    2. The value of the base currency is always 1 (one)

    ( view figure 1 )

    A quote of USD/JPY at 116.04 is to say that 1 US Dollar (USD) = 116.04 Japanese Yen (JPY). When the US dollar is the base unit and a currency pair’s price increases, comparatively the dollar has appreciated and the other currency in the pair (usually known as the cross currency) has weakened. Using the above USD/JPY example as a reference, if the USD/JPY increases from 116.04 to 117.51 (147 pips), the dollar is stronger because it will now buy more yen than before.

    There are four currency pairs involving the US dollar in which the US dollar is not the base currency. These exceptions are the Australian dollar (AUD), the British Pound (GBP), the Euro (EUR), and the New Zealand dollar (NZD). A quote on the GBP/USD of 1.7600 would mean that one British Pound is equal to 1.7600 US dollars. If the price of a currency pair increases the value of the base currency in comparison to the cross currency thus increases. Conversely, if the price of a currency pair decreases, such is to say that the value of the base currency in comparison to cross currency has weakened.

    What Influences Price?

    Forex markets and prices are mainly influenced by international trade and investment flows. The Forex market is also influenced, but to a lesser extent, by the same factors that influence the equity and bond markets: economic and political conditions, especially interest rates, inflation, and political stability, or as if often the case, political instability. Though economic factors do have long term affects, it is often the immediate reaction that causes daily price volatility, which makes Forex trading very attractive to intra-day traders. Currency trading can offer investors another layer of diversification. Trading currencies can be viewed as a means to protect against adverse movements in the equity and bond markets, movements that of course also impact mutual funds. You should bear in mind that trading in the off-exchange foreign currency market is one of the riskiest forms of trading and you should only invest a small portion of your risk capital in this market.

    Forex Advantages

    Investors and speculators using the Internet as an investment tool will find that the Forex market offers several advantages over equities trading. ( view figure 1 )

    *200:1 is the entry leverage value. Brokerages will have margin calls set at different levels, exact leverage may vary.

    **The trader’s cost of doing business is called the Spread. It is the difference between the bid and the ask prices on your chosen currency pair.

    24-Hour Trading

    Forex is a true 24 hour market, 5.5 days a week, which offers a major advantage over equities trading. Investors are able to trade at odd hours, thus allowing more flexibility for personal, business and social activities. Whether trading at 8am, 2pm, or even 2am, there will always be buyers and sellers actively trading foreign currencies. Such flexibility allows traders to immediately respond to breaking news and other political factors driving the market.

    ( view figure 2 )

    After hours trading in the equities market has several limitations. In the US, for example, equities traders have access to ECNs (Electronic Communications Networks), also known as “matching systems”. These networks are established to provide a method for equities traders to buy and sell amongst each other. Such networks are usually not able to offer as tight of spreads as would be offered during normal market hours, thus most trades are not executed at a fair market price, subsequently there is no guarantee that every trade will be executed.

    Unmatched Liquidity

    An investment market with lacking liquidity, or a lack of buyers and sellers at certain times, is often the demise of traders who need in or out of the market without delay. The global network of governments, banks, corporations, hedge funds, and individual traders that collectively drive the Forex market, are in essence, also driving the world’s largest network of liquidity. Such high trade volume works to ensure trade execution and the stability of prices, regardless of the time of day.

    Equities traders, on the other hand, are more susceptive to liquidity risk and are subject to potentially wider dealing spreads and larger price movements. Liquidity in the equities market really does pale in comparison to that of the Forex market.

    High Leverage

    Leverage is the key to understanding the risk associated with trading the Forex Market, and of course, the potential for gain. Many Forex brokers offer leverage as high as 200 – 1, meaning that $50 of margin would control a $10,000 position in the market (this is an example of a mini lot). ( view figure 3 ) Forex trading is often attractive to investors coming from the equities market because Forex trading offers such high leverage. It is important to understand why Forex brokers offer higher leverage, and of course… the dangers associated with such.

    To some extent, higher leverage is a necessary evil in the Forex market. It can offer advantages over equities trading, but only if it is properly understood and utilized. Though currency values on a global stage are constantly in a state of flux, high liquidity and market stability translate to relatively small daily price movements. In fact, average daily movement is around 1% on most major pairs. Compare that to the equities market, where average daily movements are closer to 10% and it is not hard to understand why large contracts are needed in order to yield profits on intraday price movements.

    Without high leverage most retail investors would not be able to afford trading in the Forex market. However, with increased buying power comes increased risk. Traders who are new to the market often make the mistake of over-trading their account. Because relatively small margin is required to open large positions beginning traders often make the mistake of opening too many positions at one time. A quick market move can then result in substantial losses. IBFX would advise any trader new to the Forex market to trade only a very small percentage of their account at any one time.

    Profit Potential in Both Rising and Falling Markets

    Like any market, there is always a buyer and a seller the world of currencies. The potential for profit will of course rally between the buyers and sellers, the longs and the shorts. Trading currencies in pairs offers the advantage of speculation from either side, but it is the volatility in combination with excellent liquidity that offers currency investors a true advantage over any other market. Regardless of the time of day, traders in the Forex market can long or short any currency pair of their choice.

    Many brokers also offer hedging, meaning that traders can take a long and short position on the same currency pair. The market’s volatility provides the constant potential for gain, and of course, the constant potential for loss as well. Forex trading can be risky, but execution in or out of trades should not be a problem when trading through a reputable broker. Equities traders, on the other hand, may have a much more difficult time liquidating stocks when the market is moving against them.

    Higher Risk

    The off-exchange retail foreign currency market (or Forex market) has many differences, as outlined above. However, one of the most significant factors is the element of risk. The Forex market is the riskiest of all investment vehicles and is suitable only for experienced traders. The higher leverage and volatility found in this market increase the traders risk of loss. There is the potential to lose, all or more, of your original investment.

    Forex Advantages

    Investors and speculators using the Internet as an investment tool will find that the Forex market offers several advantages over futures trading. ( view figure 1 )

    *200:1 is the entry leverage value. Brokerages will have margin calls set at different levels, exact leverage may vary. **The traders cost of doing business is called the Spread. It is the difference between the bid and the ask price on your chosen currency pair.

    Benefits of Spot FX

    The benefits of spot Forex (cash market) over futures, and more specifically currency futures, are considerable. The dissimilarities between these investment vehicles range from philosophical – such as the history of each, their target audience, and their relevance in the modern Forex markets, to more tangible issues such as transactions fees, margin requirements, liquidity level, and the technical and educational support offered by the providers of each service.

    Higher Volume = Better Liquidity

    The spot Forex market, or the cash market, is certainly the most liquid market in the world. Of course, with such incredible volume comes incredible liquidity. To seasoned traders this means one thing: better execution.

    After hours trading in the Futures market has several limitations. In the US, for example, equities and futures traders have access to ECNs (Electronic Communications Networks), also known as “matching systems”. These networks are established to provide a method for traders to buy and sell amongst each other. Such networks are usually not able to offer as tight of spreads as would be offered during normal market hours, thus most trades are not executed at a fair market price, subsequently there is no guarantee that every trade will be executed.

    Easy to Read Price Quotes

    Currency futures quotes are inversions of the cash price. For example, if the cash price for USD/CHF is 1.7100/1.7105, the futures equivalent is .5894/ .5897 (a format only familiar to future’s traders). Spot prices, on the other hand, offer a simpler look at the market. The bid price is always shown on the left and the ask price on the right. The value of the base currency is always 1 (one). In the example above 1 US Dollar (USD) = 1.7100 CHF.

    Currency futures’ prices also have the added complication a forward Forex component that takes into account a time factor that is not necessary in the cash Forex Market.

    Higher Risk

    The off-exchange retail foreign currency market (or Forex market) has many differences, as outlined above. However, one of the most significant factors is the element of risk. The Forex market is the riskiest of all investment vehicles and is suitable only for experienced traders. The higher leverage and volatility found in this market increase the traders risk of loss. There is the potential to lose, all or more, of your original investment.

    The Majors

    Most currency transactions involve the “Majors” consisting of the British Pound (GBP), Euro (EUR), Japanese Yen (JPY), Swiss Franc (CHF) and the US Dollar (USD). Many traders are beginning to add the Canadian Dollar (CAD) and the Australian Dollar (AUD) to this category as well.

    ( view figure 1 )

    Currencies in Pairs?

    Often new traders struggle to grasp the concept of trading currencies in pairs, why not just buy the Euro they might ask? Why does it have to be paired with the US Dollar? Simple, the currency on the right side of the pair is there to establish a comparative value, without it how could the base currency (currency on the left side of the pair) have any certain value? In other words, if currencies were not paired what would a single currency gain or lose value against? By pairing two currencies against each other a fluctuating value can be established for the one versus the other. So, how is the Euro doing against the Dollar, or how many Dollars does it take to buy one Euro? Thus the need for currencies in pairs.

    ( view figure 2 )

    Cross Currency Pairs

    Currency pairs that do not include the US dollar are referred to as Cross Currency Pairs. Cross Currency trading can open a completely new aspect of the Forex market to speculators. Some cross currencies move very slowly and trend very well, ideal for beginning traders. Other cross currency pairs move very quickly and are extremely volatile; with daily average movements exceeding 100 pips.

    Speculators might utilize cross pairs as a means of portfolio diversification. An example would be an investor whose portfolio is primarily comprised of US based stocks and bonds who wants to diversify into foreign markets. Holding carry trades in cross currencies might be a good option for this type of investor. Many of these cross currencies also offer greater return potential with enhanced interest (also referred to as swap, rollover interest or carry forward interest) that can be paid on open positions. Swap is a credit or debit as a result of daily interest rates. When traders hold positions over night, they are either credited or debited interest based on the rates at the time. Often, cross currencies yield higher interest rates than do major currencies and are traded for the purpose of collecting said interest.

    What is Margin?

    In the Forex market the term margin is most often referring to the amount of money required to open a leveraged position, or a contract in the market. It may also be used to describe the type of account, i.e. margin account; meaning that an account is being traded on borrowed funds. It is generally safe to assume that all off-exchange retail foreign currency (or Forex) traders are trading within margined accounts.

    Without leverage, or the ability to trade on borrowed funds, a trader placing a standard lot trade in the market would need to post the full contract value of $100,000 in order to have his or her trade executed. Trading with a margined account allows traders to utilize leverage, meaning that the same $100,000 contract can be placed for an amount of margin determined by the set level of leverage. An account at 100:1 leverage would require $1,000 of margin to place a $100,000 trade.

    The table shown in figure 1 illustrates the amount of margin required to open standard, mini and micro contracts, also referred to as lots. As can be seen, at 1:1 leverage (no leverage at all) the full value of a contract is required. The table illustrates the required amount of equity on margin per lot traded. ( view figure 1 )

    Default leverage levels for new accounts are set at 200:1 for Mini accounts and 100:1 for Standard accounts. * These levels have been set by IBFX, and will likely vary from broker to broker within the retail Forex industry.

    * 200:1 is the entry leverage value. Since most brokerages will have margin calls set at different level, exact leverage may vary.

    Simply stated, trading Forex on margin increases your buying power. As an example: a trader with $10,000 in a margin account that allows 100:1 leverage, would be able to purchase a maximum of $1,000,000 in currency contracts (10 standard lots). At 100:1 leverage 1% of the contract value is required as collateral.

    By trading on margin, traders can potentially increase their total return on investment with less cash outlay. Trading on margin should be used wisely as it magnifies both your potential profits AND potential losses. A good rule of thumb to follow is the higher the margin, the greater the risk.

    Margin Trading Example

    A trader with a $10,000 account balance decides that the US Dollar (USD) is undervalued against the Euro (EUR). The current bid/ask price for EUR/USD is 1.2348/1.2350 – meaning a trader can buy 1 EUR for $1.2350 USD or sell 1 EUR for $1.2348 USD. The trader decides to sell EUR (buy dollars) by selling 1 standard lot. With leverage at 100:1 or 1%, initial margin deposit for this trade is $1,000, leaving the account balance at $9,000. As anticipated, the EUR/USD drops 48 pips to 1.2298/1.2300. To exit the position the trader would close 1 lot at 1.2300 In this scenario the trader has realized a profit of 48 pips or $480 US Dollars.

    Trading with a heavily margined account is a double-edged sword. Trading utilizing high leveraged accounts can potentially increase profits, but it increases your risk of potential losses. Most brokers have standard leverage levels – 100:1, 200:1 or even 400:1. Remember, the higher the leverage, the higher the risk. Traders in the Forex market are subject to the margin rules set by their chosen brokers. In order to protect themselves and their traders, brokers in the Forex market set margin requirements and levels at which traders are subject to margin calls. A margin call would occur when a trader is utilizing too much of their available margin (cash deposit towards an open position). Spread across too many loosing trades, an over margined account can give a broker the right to close a trader’s open positions.

    Managing a Margin Account

    It is important that traders new to the Forex market take the time to understand the risk associated with trading in a margined account.

    Every trader should be clear on the parameters of their own account, i.e. at what level does their broker consider them subject to a margin call. Be sure to read the margin agreement in the account application when opening a live account.

    The positions in a trading account could be partially or totally liquidated should the available margin (“Free Margin”) in the account fall to the predetermined threshold of 50% margin level. * This is a level set by IBFX, other brokers may have margin call levels set differently.

    Traders should monitor margin balance on a regular basis and utilize stop-loss orders to limit downside risk. However, due to the extreme volatility that can be found in the Forex market, stop-loss orders are not always an effective measure in limited downside risk. There is still the possibility of losing all, or more, of your original investment.

    Calculating Your Margin Capability

    The maximum available margin is 1% (100:1 leverage) for standard accounts and 0.5% (200:1) for mini accounts. Traders always have the option of setting a lower level of leverage. Doing such may help some traders manage their risk, but bear in mind that a lower level of leverage will of course mean that larger margin deposits will need to be made in order to control the same size contracts.

    Margin = (Contract size / Leverage)

    The requirements for leverage may vary with account size or market conditions, and may be changed from time to time at the sole discretion of IBFX. Please refer to your trading agreement for details.

    If maximum leverage is employed, traders must maintain the minimum margin requirement on their open positions at all times. It is the customer’s responsibility to monitor his/her margin account balance. IBFX has the right to liquidate any or all open positions whenever a trader’s minimum margin requirement is not maintained. This is an important risk management feature designed to strictly limit trading losses in your account.

    Margin Example

    To calculate the margin required to execute 4 mini lots of USD/JPY (40,000 USD) at 200:1 leverage in a $500 mini account, simply divide the deal size by the leverage amount e.g. (40,000 / 200 = 200). $200 margin will be required to place this trade, leaving an additional $300 marginable balance in the trading account.

    The trading platform automatically calculates margin requirements and checks available funds before allowing a trader to successfully enter a new position. If there are not adequate funds available to enter a new position, traders will receive a “Not Enough Money” message when attempting to place the trade.

    *For a further explanation on calculating margin percentages and the potential for a margin call, please see the following course.

    Understanding Contract Sizes

    Understanding contract sizes (lots) is a necessary precursor to understanding the need for high leverage in the Forex market. Each standard lot traded in the Forex market is a $100,000 contract. In other words, when trading one lot in a standard account, a trader is essentially placing a $100,000 trade in the market. Without leverage, most investors would not be able to afford such a transaction. Leverage of 100 – 1 would allow a trader to place the same one lot ($100,000) trade with the post of $1,000 in margin. $100,000 divided by 100 equals $1,000, thus 100 – 1 leverage means that $1,000 of margin is able to control a $100,000 position.

    Many retail Forex traders today begin their trading in a Mini account. Because standard contracts in the Forex market are rather large, even with 100 – 1 leverage, $1,000 of margin per contract traded is still a bit expensive for some investors. For this reason most retail brokers offer the option of a mini account.

    Mini accounts are essentially 10% the value of standard accounts, meaning that mini contracts are $10,000. A trade of one mini lot would be a $10,000 trade, whereas a standard lot is of course a $100,000 trade. It is not unusual for brokers to offer higher leverage in mini accounts, 200 – 1 is very common. Trading with 200 – 1 leverage would mean that $50 of margin would control a $10,000 contract.

    Calculating Margin

    Margin is calculated 2 ways: Used Margin and Free Margin. Used margin is the amount of money used to hold open positions. Free margin is the amount of funds available to place additional positions. ( view figure 1 )

    As seen in figure 1, $250 is used to hold their current positions, totaling 5 mini lots. $4,736.00 is available for the trader to open additional positions.

    Calculating a Margin Call

    Because institutions are loaning 99% of the value of a contract to a trader, fail-safes have been put in place to help prevent a trader from going into the negative and owing the institution additional funds. This is commonly referred to as a Margin Call, where typically a client is called upon to send additional funds or the position(s) will be closed at market price. At 50% margin level the trader will be subject to a margin call, the automatic close of open positions so as to bring the margin level back to a suitable percentage.

    The margin level is calculated by dividing the current equity in an account by the current amount of margin in use (used margin). ( view figure 2 ) After dividing the equity by the margin move the decimal two places to the right. A trader whose equity is at $1,000 and who is using a $500 of margin would divide 1,000 by 500 which of course equals 2. Then move the decimal two places to the right; this trader’s current margin level or percentage is thus 200%. At 100% margin level a trader is essentially using their entire available margin. When this level drops to 50% trades will automatically be closed to help ensure that a trader is not subject to losing more money than is held in their account.

    ISO (International Organization for Standardization)

    Established in 1947, ISO established a standard for country and currency pair abbreviations. Since foreign currencies are quoted in terms of value of one currency against another, a currency pair consists of an acronym for both currencies, separated by a slash “/”.

    For example:

    GBP = Great British Pound

    EUR = Euro

    CHF = Confoederatio Helvetica Franc (Swiss Franc)

    USD = United States Dollar

    CAD = Canadian Dollar

    JPY = Japanese Yen

    AUD = Australian Dollar

    NZD = New Zealand Dollar

    Currencies are always traded in pairs, for example EUR/USD, USD/JPY. Every position requires the buying of one currency and selling of another. When someone says they are “buying the EUR/USD”, they are buying Euros and selling Dollars.

    There are many other currency pairs available to trade, such as the Danish Krone, Mexican Peso, and Russian Ruble. However, these pairs are generally traded less, and for these pairs, it is harder to find buyers and sellers. Such currency pairs are called “exotics”. Because they have less volume and involve a higher risk for the broker, they typically have a wider PIP spread.

    Pips

    Market increments are measured in PIPs, or Percentage in Point. A pip is the last digit in the value of a currency pair; 1.3294, 115.13 etc. All currency pairs, except for the Japanese Yen, have 4 decimal places. The Yen crosses only have 2 decimal places.

    ( view figure 1 )

    For example, let’s assume a trader buys 1 standard lot of GBP/USD. The current market rate is 1.9615. Essentially this trader is buying £100,000 in exchange for $196,150. Again, for examples sake, assume the market rate rose 15 PIPs to 1.9630 and the trader liquidates the position. The same £100,000 is now worth $196,300, the trader realizing a $150 profit.

    Majors

    Some currency pairs are traded more heavily than others. The currency pairs that have the most volume consist of the “majors”. While it can be debated which currency pairs are considered a major, it can be widely agreed upon that the following 6 pairs are:

    EUR/USD

    GBP/USD

    USD/JPY

    USD/CHF

    USD/CAD

    AUD/USD

    Nicknames are sometimes used for currency pairs. Here is a list of currency pairs and commonly used nicknames for each:

    GBP – Pound, Cable, or Sterling
    EUR – Euro
    CHF – Swissy, or Franc
    USD – Greenback
    CAD – Loonie
    AUD – Aussie
    NZD – Kiwi
    JPY – Yen

    Central Bank

    Most modern nations have central banks that perform similar functions. Usually a branch of government, a central bank is responsible for setting interest rates, stabilizing the economy and reporting to the general public on economic conditions. Typically, central banks will loan funds to commercial banks at a certain set interest rate. Commercial banks then base their lending rates accordingly. Key central banks to the global economy include: The Federal Reserve (USA), The Bank of Japan, the Bank of Canada, The European Central Bank, The Bank of England, etc. etc.

    Exchange Rate

    When examining currency pairs one must understand what is meant by ‘exchange rate’. Obviously, the exchange rate refers to the rate, or price at which one currency can be exchanged for another. However, many traders look at a currency pair, EUR/USD for example, without understanding a very basic concept: A price quote of 1.4760 is to say that 1.4760 US Dollars (currency on the right) will purchase 1 Euro (currency on the left).

    Liquidity

    A liquid market refers to a market that is cash heavy, and liquidity refers to substantial level of capital or funds existing within a market or bank. Markets with high trading volume and substantial money flow are considered liquid markets. Banks and brokerages that clear trades are considered liquidity providers, as they are providing the funds necessary to support the execution of trades.

    Market Expectations

    The idea of market expectations should seem simple enough; essentially, the point is this: Forex traders must be educated! The mass of well educated traders generally have simialar expectations in terms of where prices will head. For example, given a poor showing in Nonfarm payroll, the mass of traders are going to expect the Dollar to weaken on the first friday of the month. A trader focused on nothing but moving averages and who is ignorant to obvious market expectations will have very limited success. Do your homework, read the commentary of market analysts, prep your daily trading; in short – know what the market is expecting!

    Off – Exchange

    The term off-exchange is often used to describe the Forex Market place. Because the Forex market has no central exchange, or physical location wherein trading is facilitated, it is considered an off-exchange market place. The NYSE (New York Stock Exchange) and CME (Chicago Mercantile Exchange) are examples of physical exchanges. The Forex market is essentially a network of banks and brokerages all of which are connected globally to one another, but not through any one physical exchange.

    Volume

    In any market, trading volume refers to the amount of trades in and out of the market in correlation with their contract size. A market with high trading volume (high amount of transactions and high level of money exchanging hands) will substantially impact the overall economy of a nation. Trading markets with high volume will also impact the individual trader, as increased trade volume ensures that traders can easily enter and exit trades as there is an adequate supply of buyers and sellers.

    What is Technical Analysis?

    “Technical analysis” is an industry term that more often than not sounds much more complicated than the actual process is. Really, it ought to be referred to as “price analysis”, as this would be a more accurate description. Through the use of charted data traders around the world analyze their market of choice. The objective: determine future price movement. The means: understanding price movement patterns of the past.

    The charting of price movements creates a visual tug-of-war between buyers and sellers. The large majority of Technical traders in the Forex market focus their attention on candlestick data, a method of charting that offers a visual interpretation of the high, low, open and close of a currency price within a certain time frame.

    Combined with various forms of pattern recognition (which will be covered later in the course) candlestick charting offers traders a visual look at the market’s past prices and trends. Analyzing this historical data in order to predict the movements of future prices is the process known as “technical analysis”. Notice how price patterns formed on the following chart tend to repeat; technical traders attempt to identify patterns of these nature, and base their trades accordingly. ( view figure 1 )

    Why Does Technical Analysis Work?

    Technical analysis is often dispelled as a myth, even a fool’s errand. There are those who believe that price movement is completely random and completely unpredictable. True, technical analysis is never an exact science (predicting the future never is). However, the true fool would be he or she that ignores the power of technical analysis, particularly in the Forex market.

    Analyzing price patterns is actually very similar to analyzing human behavior. While humans can at times be unpredictable in nature, humans are typically considered to be creatures of habit. The average human adheres to certain paradigms, paradigms that are rarely broken. Do you brush your teeth or shower first? Do you comb your hair before or after you shave? The point: if one were to observe an average person’s daily routine before leaving the house for work their behavior may seem random or without purpose. However, if one were to observe the same human day after day, within a relatively short amount of time it would not be hard to outline that person’s morning routine. In fact, nine times out of ten you would probably be able to predict with impressive accuracy how your observed creature would prepare for their day, perhaps even down to the minute.

    The Forex market is also a creature of habit. Analyzing price movement is effective because the past can teach us how human beings (the real living and breathing organism of this market) will react to certain situations. History does repeat itself. Technical analysis offers the Forex trader a certain level of expectancy when considering future price movements. In a sense, accurate technical analysis is a trader’s true edge. There is no crystal ball for predicting the future of the market, though there are keys to understanding patterns, past, present and future.

    When Does Technical Analysis Fail?

    Technical analysis fails when traders fail to consider the fundamentals. Why mention fundamental analysis when explaining technical analysis? Simple, the one just doesn’t work without the other. Fundamental factors such as political events, a hike in interest rates, unemployment rates and so on will impact the Forex market more substantially than perhaps any other market. Fundamental factors are often the driving force of major price movements. A trader focused on technical analysis cannot ignore Nonfarm Payroll on the first Friday of the month and expect his or her technical indications to be as accurate as the day prior. Notice the price movement shown in the following image; shortly after Nonfarm Payroll price reactions were wild; during such times technical analysis cannot be counted on. ( view figure 2 ) Purely technical traders understand that certain political factors throw all other price forecasts out the window.

    Charting & Charting Styles

    ‘Charting’ is essentially the most basic component of technical analysis. As such, some would argue that the more raw and basic data plotted on a chart is of little use to the technical trader. Instead, they might argue that a technical trader needs more advanced indicators as a means of determining price direction. Indicators such as moving averages, momentum indicators, oscillators and so on… will, ultimately be of grand use to the technical trader, but not without first learning the basics!

    Line Charts

    There is nothing more basic than a line chart. A simple visual representation of data, the Line Chart plots the closing price of a single day and over the course of weeks and months connects the dots. The following image shows an example of a basic line chart:( view figure 1 )

    The line chart’s simplicity is often seen as its strength. Or so it may be in other markets. In the Forex market the line chart offers very little insight into the market’s volatility or movement within the time frame of a single day. As most Forex traders are ‘day traders’ (often in and out of positions in a 24 hour period) a line chart, even if plotted by the hour, would still leave much to be desired. As we continue to explain other charting methods, the previous point will make more sense!

    Bar Charts

    Bar charts are in essence the less visually appealing version of Candlestick charts. Candlestick charting is the most popular method used by today’s Forex traders. However, it might be important to understand the one before the other. A Bar Chart displays a price’s open, high, low and closing prices. As shown in the following image the top of the bar chart represents the highest price of the period, and the bottom of the bar represents the lowest price of the period. To the left and right side of the bar are “ticks”, the left tick represents the open price of the period and the right tick represents the close price of the period. ( view figure 2 )

    Candlestick Charts

    Really the only choice for today’s Forex traders, the candlestick chart offers the same information as does a bar chart, but does so in a much more ascetically pleasing manner. As is illustrated in the following image the candlestick is comprised of a “body” and an upper and lower “wick”. The body of the candle is typically a dark color when the close is at a lower price than was the open (a bearish candle). Conversely, if the close is at a higher price than was the open the candle will be a light color (a bullish candle). The wick of the candle represents the entire range of price for that period. The top of wick of course represents the price at its highest point, while the bottom of the wick represents the price at its lowest point.

    A quick glance at a candlestick will tell a trained eye literally everything they might want to know about a price within a certain time frame, i.e. what was the high and low price, was it bullish or bearish, where was the open and close. A trader can also quickly glance at a series of candles and with little thought note how many consecutive candles have been bullish or bearish; which in conjunction with other technical analysis often serves as an appropriate timing method to enter a trade. ( view figure 3 )

    What am I looking for?

    More often than not, traders in the Forex market doom their own technical analysis. The reason is simple; they look at a chart and try to remember everything that they have ever studied about technical analysis. Before long it seems that one philosophy only contradicts another, an obvious entry becomes a source of confusion and so on. Some of the best traders in world have a bit of a mental check list that is always considered when analyzing a chart. However, they also know that too many technical indicators used in conjunction with one another is a fast track to a certain demise.

    There are certainly a few things that you are going to want to consider when looking at a chart. As the course continues you will be better prepared to compile your own trading style. For the time being, consider the following a check list for the novice. Ask yourself what the chart on your screen is telling you, and which of the following considerations are worth considering:

    Is there an obvious trend or direction of the market within the time frame that you are viewing?

    Are there any basic chart formations such as triangles, wedges, pennants, double tops or bottoms or otherwise that might suggest a pending breakout or trend reversal?

    Is the market trading within the walls of any obvious support and resistance levels, or is the market trading within a channel?

    Have you considered at least two technical indicators, i.e. two technical indicators that complement each other well?

    Have you ignored the impulse to consider every technical indicator that you have ever read a paragraph or two on?

    You should now understand at least the basics of what a technical trader is looking for when analyzing a chart and the market. As we continue to dissect various technical indicators and forms of pattern recognition your skills will be refined, for the time being it is enough to know, if nothing else, what it is that you will ultimately be looking for.

    Support & Resistance Trends

    Fortunately for traders in the Forex market, dealing in this market is often about dealing in trends. It is often said that ‘the trend is your friend’; there is truth to this, but only when a trader understands why the market trends and the underlining factors that can often disassemble a forming trend (these factors will be covered throughout the course as we further analyze technical analysis). ( view figure 4 )

    The image above shows an example of an upwards trend. Notice that the trend line was drawn by identifying the lowest low of the trend and connecting the line to the following low preceding a new high. A solid trend line should continue in this manner until at least four lows followed by new highs are plotted. This trend line can also be referred to as a support level. In other words, think of this line as if it were the roof of a house. During this trend period the price range is going to crawl along the roof of the house. In an upwards trend we are obviously looking for an opportunity to buy. It is generally taught that a trader’s best buy entry point during an upwards trend would be at the lowest low of the candle on the third touch of the support level, as is shown in the following image: ( view figure 5 )

    Just the opposite of an upwards trend, in a downwards trend our trend line can be referred to as a resistance level. Now as opposed to trading along the outside of a roof we are trading along the top of the ceiling. During this trend a trader can assume that the price is often going to reach the ceiling, but never push through it. A trader following a well developed downwards trend is looking for an opportunity to sell on the third touch of the resistance line at the highest possible point of the candle, as is shown in the following image: ( view figure 6 )

    Timing an entry point within a trend is as key as recognizing a trend, as obviously they will not last forever. First consider the time frame of the chart that you are viewing in relation to the likely continuance of the trend. As mentioned earlier, we are usually looking to buy or sell on the third touch of a support or resistance level within a trend. Using historical data in your charts, you will notice that the average trend will not provide more than 3 to 4 additional touches of the support or resistance after the first 3 that would have inspired you to note the trend to begin with. Thus, depending upon whether you are viewing a 1 minute chart, a 5 minute chart, or so on you will need to gage an estimated time frame within which you will trade.

    Double Tops & Double Bottoms

    Double Tops do not only provide technical traders with a firm indication of a beginning downward trend; they also prove that price movement is not random, but rather is a clear indication of market sentiment. Double Tops occur when a new high is plotted, raising the resistance level. The price then retraces and declines, only to rise again and reach the same high or resistance level.
    ( view figure 1 )

    As can be seen in figure 1 Double Tops can be thought of as true market sentiment. Traders around the globe push the price to a new high; because the new high is a tad extreme the price is subsequently brought back down. Again traders push up to the same level, testing it just one more time; again the price feels too extreme. The market has decided that an upwards trend is just not in the cards, twice a new high was tested and twice the market sold to push it back down. After noticing a Double Top a trader is generally safe to assume that for the time being the market will move in a downwards trend, thus affording an opportunity to sell, or exit a soon to be falling long position.

    Of course, Double Bottoms are just the opposite of Double Tops. Twice the market will test a new low, and twice the market will refuse the idea of pushing beyond that point. The buyers will rally and an uptrend will follow.

    Triangles

    There are three types of triangles that technical traders focus on:
    ( view figure 2 )

    Ascending Triangle

    Descending Triangle

    Symmetrical Triangle

    Ascending triangles are considered bullish pattern formations, though depending on whether they are formed during an up-trend or a down-trend they may have different implications towards future price movement. Spotted within an up-trend an ascending triangle is typically considered an indication that the upwards trend will continue. Just the opposite, if an ascending triangle forms during a downwards trend it is considered an indication of a trend reversal. Essentially, ascending triangles are comprised of a series of candles that, in accordance with the pattern’s name, form the shape of a triangle. The term ascending triangle refers to the fact that the triangle’s two trend lines are not created equally; the top line of the triangle will represent a fairly even level of high prices, while the lower level of the triangle will represent a continued series of higher lows.

    The consolidation between buyers and sellers at an upward slant suggests pressure from the buyers. The resistance line can typically only hold for so long before the buyers get the best of the sellers and the price breaks out in an upwards trend, at which point the resistance level often becomes the new support level; or for a seasoned trader, a wise level to place a stop loss. Figure 3 shows an example of an ascending triangle. As can be seen, it is generally safe to assume that the triangle will break out at least five candles before the actual point of the triangle would form. ( view figure 3 )

    Descending triangles, naturally, are just the opposite of ascending triangles. In a downwards trend the triangle forms as an indication that the trend will continue downwards. In an upwards trend the triangle forms as an indication of a trend reversal. Descending triangles are formed when there is a series of progressively lower highs and relatively even lows. As can be seen in the image below the top line or resistance line of the triangle will be angled down, while the lower line or support level will appear as a level horizontal line.

    Symmetrical triangles are most often considered a continuation pattern. Symmetrical triangles can be seen as a series of lower highs and higher lows develop forming the shape of a triangle. This pattern represents a struggle between buyers and sellers, as is usually the case with price consolidation; more often than not symmetrical triangles precede a price breakout. Though it is generally safe to assume that symmetrical triangles will only present themselves as an indication that the current trend either upwards or downwards will continue, this may not always be the case. ( view figure 4 )

    The good news for seasoned traders is that one need not really know ahead of time where the market will head, the true key is simply to spot the symmetrical triangle developing. As can be seen in the example below once the support or resistance line of the triangle has been penetrated by two to three consecutive candles the trend will more than likely continue in that direction, thus offering traders an excellent entry point.

    Wedges

    Wedges are often considered a difficult pattern to recognize, and or are often confused with triangles. The distinction between wedges and triangles is actually quite clear to the trained eye. The key to spotting the difference is found in the slant or the angle of the support or resistance line. When observing triangles notice that ascending triangles show a flat or even resistance line, conversely descending triangles show a flat or even support line. Symmetrical triangles, as their name suggests, are neither slanted downwards or upwards. Wedges on the other hand, are represented by support and resistance lines that both slant in the same direction, be it up or down. ( view figure 5 )

    There are two types of wedges; rising wedges and falling wedges.

    Falling wedges are considered bullish pattern formations. When found in a downwards trend the falling wedge suggests a reversal of that trend. When found in an upwards trend the falling wedge suggests a continuation of the upwards trend. The falling wedge is formed by a series of lower highs and lower lows. Notice that both the support and resistance levels of the wedge are slanted downwards, setting the wedge aside from what might be mistaken as a triangle pattern formation. Prices within the falling wedge will continue to tighten until the resistance line is finally penetrated and the breakout upwards begins. Timing a falling wedge is much like timing a triangle formation; one can generally assume that after two to three candlesticks have pushed through the resistance line it is then time to consider hoping on the bandwagon with the rest of the buyers.

    Rising wedges, just the opposite of falling wedges, are considered bearish pattern formations and are represented by a series of continued higher highs and higher lows which are narrowing or consolidating. The rising wedge suggests to the trained eye that though the buyers are reaching new highs, these highs a progressively tighter and tighter. These progressively tighter highs indicate that the upwards trend is losing steam. Thus, a rising wedge found in an upwards trend would suggest a trend reversal and a rising wedge found in a downwards trend would suggest a short rally from the buyers, but ultimately a continuation of the downwards trend.
    ( view figure 6 )

    Flags & Pennants

    Flags and pennants are perhaps the most common of continuation patterns. Spotting a flag or a pennant usually begins with noticing the flag pole, or for more practical purposes, the trend line. Flags and pennants typically form after a substantial trend up or down as an indication that the price is consolidating, or being tested before continuing in the initial direction of the trend. Often the consolidation period (the flag or pennant) is slanted in a direction opposite of the initial trend, this demonstrates the market’s hesitation to continue upwards or downwards, but ultimately it is nothing more than a brief hesitation and an indication to the trained eye that there is safety in staying with the initial trend.

    Though both flags and pennants indicate a continuation of the current trend, there is a distinct visual difference between the two. The flag will be represented by a more rectangular consolidation period, ( view figure 7 ) both support and resistance levels will be about an equal distance from one another. A pennant on the other hand will be represented by support and resistance levels that are moving towards one another in the shape of an asymmetrical triangle. Both the flag and the pennant are always spotted at the end of the flag pole, or at the end of a sharp directional trend.

    Head & Shoulders / Reverse Head & Shoulders

    Usually found after a long trend either up or down, as its name suggests head and shoulders are named after the human form. Consisting of three peaks, one of which (the head) is centered and higher than the two lower and relatively equal peaks (the shoulders). Head and Shoulders is perhaps the most well known reversal pattern within technical analysis. Formed after a long upwards trend the left shoulder begins to form while still in the upwards trend. Essentially the left shoulder forms as prices rally up and quickly thereafter retrace, typically the upwards trend line, or resistance level will not be broken as this happens. Notice that the left shoulder seen alone can also be viewed as a forming flag. As the left shoulder finds its end, prices again rally, this time to a new high which will become the head of the pattern. After the high peak or head of the pattern is formed and prices have retraced back down, again prices will rally to near the same level as the left shoulder to form the right shoulder.

    Essentially, within an upwards trend prices have attempted to rally three times and each rally has seen limited success, or in other words has been rejected by the sellers. Once the right shoulder breaks through the imaginary support line equal with the right shoulder (the neck line) the reversal of the trend has officially begun. Buyers have tried to continue the upwards trend, and three times have lost their battle to the sellers. A trader who has spotted a forming head and shoulders pattern can usually be quite sure that he or she has seen the end or a long upwards trend. It’s time to cut your losses, secure your profits, or short the market. ( view figure 8 )

    Every pattern within technical analysis seems to have its opposite, head and shoulders is no exception to this rule. Reverse head and shoulders represent essentially the same situation as normal head and shoulders, but of course are found in long term downwards trends as opposed to long term upwards trends. Instead of the head and shoulders represented by new peak highs they are represented by new peak lows. The reverse head and shoulders tips the trader that the downwards trend is losing steam as three new lows have been tested and each time bested by the buyers in the market. Again, it’s time to cut your losses, secure your profits, or this time, long the market.

    TA 1030 | Support & Resistance – Clif Droke

    Clif Droke
    Clif Droke is the author of several trading books, including: How to Read Chart Patterns for Greater Profits, Stock Trading with Moving Averages, Moving Averages Simplified, Silver Trading Techniques and many more. He has also published numerous articles on subjects ranging from the Dow Theory to articles focused on the recent recession scare.

    Chapter 7

    The concept of support and resistance in the charts is basic to the understanding of price patterns and their implications.

    Edwards & Magee defined support as the “buying, actual or potential, sufficient in volume to halt a downtrend in prices for an Appreciable period.” Resistance, of course, is the antithesis of this and consists of selling, actual or potential, in sufficient volume to keep prices from rising for a time. “Support and resistance, as thus defined, are nearly but not quite synonymous with demand and supply, respectively.”

    Further expounding this concept, Edwards & Magee tell us:

    “A support level is a price level at which sufficient demand for a stock appears to hold a downtrend temporarily at least, and possibly reverse it. i.e., start prices moving up again. A resistance zone by the same token, is a price level at which sufficient supply of stock is forthcoming to stop, and possibly turn back, its uptrend. There is, theoretically, a certain amount of supply and a certain amount of demand at any given price level… But a support range represents a concentration of demand, and a resistance range represents a concentration of supply.”

    Support and resistance – in their basic forms – are represented on the charts as follows:

    In a trending market, especially one in which prices travel within the confines of a clearly defined channel, the support and resistance lines will tend to keep prices within the channel, bouncing from support to resistance in an alternating “zigzag” pattern.

    Support and resistance are more than just an upward trending or downward trending channel lines. They may be encountered from a variety of chart patterns and other places of price congestion on the charts.

    One rule of thumb for determining where a market or security will meet with either support or resistance on the charts is to find previous chart areas where consolidation has occurred. If, for example, a particular stock has stalled out in a net sideways or other congestion pattern at a certain level in the recent past before falling to a lower level, it is all but likely that the stock will encounter difficulty in penetrating that same level later on as it rallies and tries to overcome it. This, of course, does not necessarily mean the former area of consolidation (in this case, resistance) will prove impenetrable; to the contrary, it will probably be overcome eventually. But not without considerable effort on behalf of the buyers. The greater the congestion, the greater the effort required to overcome that congestion, whether it is in the form of support or resistance. Thus support and resistance serve as checks in the development of a trend (be it a rising or a falling trend) to keep the trend from moving too far, too fast and thus getting out of hand and eliciting violent reactions. (This does not apply, of course, in market crashes or “buying panics,” in which case support and resistance levels become meaningless. But such instances are fortunately quite rare.

    This leads us to the next related principle of support and resistance which Edwards & Magee elucidate for us:

    “…here is the interesting and the important fact which, curiously enough, many casual chart observers appear never to grasp: These critical price levels constantly switch their roles from support to resistance and from resistance to support. A former top, once it has been surpassed, becomes a bottom zone in a subsequent downtrend; and an old bottom, once it has been penetrated, becomes a top zone in a later advancing phase.”

    Thus, if a certain security breaks through an overhead resistance level at, say $50, then the moment prices are above the$50 level, it automatically becomes a support. Conversely, if the $50 in our hypothetical security had been a support checking prices from moving below it and the $50 level is suddenly penetrated then $50 automatically becomes resistance. This principle, which we call the “principle of interchangeability”, hold true for older levels of support and resistance as well, not just recent levels.

    Other instances of support and resistance can be found not only in areas of chart congestion but in geometric chart patterns as well. The symmetrical triangle affords just such an example. Throughout the formation of the triangle, the upper and lower boundary lines serve as resistance and support, respectively. However, an even stronger level of support level of support and resistance (depending on which direction prices take upon breaking out from the triangle) is provided by the apex of the triangle. By drawing a horizontal line from the apex and extending it across the chart an analyst will be provided with a reliable support/resistance level. However, such levels usually become weak as time passes. Thus, a chartist will want to regard this as a strong support/resistance only in the days/weeks immediately following a price breakout from the triangle.

    Concerning volume, it is sufficient merely to point out that the power of a resistance (or support) range is estimated by using the criterion of volume. In other words, the greater the amount of volume was recorded at the making of a top (resistance) or bottom (support) in a given market or security, the greater the strength of that top or bottom will be and the more effort will be necessary to penetrate it in the future. As Edwards & Magee put it:

    “In brief, a single, sharp, high-volume bottom offers somewhat more resistance than a series of bottoms with the same volume spread out in time and with intervening rallies.”

    Another criterion Edward & Magee discuss that is worth noting here is the extent of the subsequent decline from a resistance zone. Or, to phrase it differently, how far will prices have to climb before they encounter the old bottom zone whose resistance potential the analyst attempt to appraise? “Generally speaking,” Edwards & Magee write, “the greater the distance, the greater the resistance.”

    In other words, the higher that prices must travel before breaking the previous top, the stronger the resistance that top is likely to hold.

    Finally, in answer to the oft-asked question as to what exactly constitutes a legitimate “break” of either support or resistance, we would refer the analyst back to the old Edwards & Magee “three percent rule,” which states that a break above a support or resistance level (or through a corresponding chart pattern) by distance of at least 3 percent, and accompanied by increased trading volume, should be viewed as the start of a new trend and therefore followed.

    TA1040 | Moving Averages

    Market Expectations Range Sideways Market Lagging Indicator Fibonacci Levels

    Market Expectations

    The idea of market expectations should seem simple enough; essentially, the point is this: Forex traders must be educated! The mass of well educated traders generally have similar expectations in terms of where prices will head. For example, given a poor showing in Nonfarm payroll, the mass of traders are going to expect the Dollar to weaken on the first Friday of the month. A trader focused on nothing but moving averages and who is ignorant to obvious market expectations will have very limited success. Do your homework, read the commentary of market analysts, prep your daily trading; in short – know what the market is expecting!

    Range

    Currencies tend to trade within certain price ranges. Traders need to understand trading ranges in conjunction with average daily pip movements before they can make a logical trading plan, or before they prepare a profit target level. If trading the Euro, for example, a trader had better be aware that the Euro price range over the last week has been somewhere in between 4100 and 4400. That information considered, very few currencies move more than 80 to 90 pips in a single day, and the Euro is not an exception. If a trader intends to place a short term trade (3 – 4 days or less), they must first consider price range, and then the likelihood of a movement to their desired price level. Can 80 pips be made inside of 2 days? Not likely, set your sights a bit lower and always consider price range and average daily pip movements.


    ‘Range’ is also mentioned in the following courses:

    TA 1015 TA 1030 TA 1050

    Sideways Market

    Simply stated, traders need volatility in order to be successful, that is to say, prices need to move. Sideways markets typically suggest low volatility and a trading period in which, prices are neither trending up or down. Certain trading strategies can work well in sideways markets; if traders are after smaller gains pip wise. However, most traders are looking to avoid sideways prices, unless of course prices are consolidating or narrowing, which of course would indicate a potential price breakout.


    ‘Sideways markets’ is also mentioned in the following courses:

    TA 1030 TA 1050

    Lagging Indicator

    A lagging indicator refers to a technical indicator that gives traders an indication that a trend has already begun, in other words the notification is a bit after the fact, hence the term ‘lagging’. Though lagging indicators can be a bit behind, they still help traders catch onto trends that otherwise might have gone overlooked. Moving averages are considered lagging indicators. The opposite of lagging indicators would be ‘leading indicators’, indicators that work to warn traders ahead of time that something is developing. The best technique is not to use only one indicator type or the other, but a combination of both.

    Fibonacci Levels

    Fibonacci is not only the name of a famous mathematician; it is also the name of a very common technical indicator. Essentially, Leonard Fibonacci’s number sequence is used as a means to gauge potential market retracements. The math behind the indicator is subject matter for an entire course, as is much of the related philosophy and strategy. However, the short explanation is that Fibonacci levels offer traders a look at where prices might retrace or extend to in the form of a series of numbers (price levels) that are represented as lines plotted on a chart. Fib levels are most commonly used after a major move up or down, in an effort to predict a possible price retracement.

    Moving Averages

    Most literature written on technical analysis, more specifically technical indicators, begins with Moving Averages. The reason for this is simple; they are considered by most analysts the most basic and core trend identifying indicators. As its name would suggest a moving average calculates an average of price range over a specified period. For example, a 10 day moving average gathers the closing prices of each day within the 10 day period, adds the 10 prices together and then of course divides by 10. The term moving implies that as a new day’s closing price is added to the equation, the day that is now 11 days back is dropped from the equation. Figure 1 shows an example of a simple moving average line placed on a candlestick chart.
    ( view figure 1 )

    The example above outlines what would be considered a Simple Moving Average. There are at least 7 varieties of moving averages, but generally the average Forex trader is focused on just one of the following three:

    Simple Moving Averages

    Exponential Moving Averages

    Weighted Moving Averages

    What are moving averages trying to tell us?

    Before examining the various calculations and types of moving averages it is essential that we as traders understand what a moving average is trying to tell us. Its message is really quite simple, and is primarily focused on market expectations. A moving average calculating the last 30 days of prices in the market essentially represents a consensus of price expectations over that 30 day period.

    Understanding a moving average is at times as simple as comparing the market’s current price expectations to that of the market’s average price expectations over the time frame that you are viewing. The average gives us a bit of safe zone, or a range that traders globally are comfortable trading within.

    When prices stray from this safe zone, or from the moving average line a trader should begin to consider potential entry points into the market. For example, a price that has risen above the moving average line typically implies a market that is becoming more bullish, traders are on the up, and with such will come good opportunities to buy. ( view figure 2 ) Just the opposite, when prices begin to fall below moving average lines the market is becoming visibly bearish; traders should thus be looking for opportunities to sell.

    Notice the angle of the moving average shown above at various points across the chart. Moving averages not only give traders a much smoother look at the true trend of the market, they also offer keen directional insight found in the angle of the moving average line. Erratic sideways markets tend to be represented by moving average lines that are flat or sideways, whereas markets that are beginning to trend strongly in one direction or another will begin that trend with a very angled moving average line.

    Remember, it is one thing to look at a completed moving average line and determine at what point would have been an excellent entry into the market, it is another thing to spot the angle of the line as it is developing and at that point wisely enter the market. A true technical analyst is after what the moving average can tell him or her about the coming hours or days of the market, not what the moving average can prove about what should have been done in the past. That said, look for angles! ( view figure 3 )

    Simple Moving Averages

    Calculating simple moving averages is really quite simple (no pun intended). As was outlined in the beginning of this section the sum of all closing prices is divided by the number of days in the equation. With each new day the now oldest day that is no longer a part of the time frame is subsequently dropped from the equation. A simple moving average is considered a lagging indicator. In fact, the simple moving average perhaps epitomizes the meaning of lagging indicator in that its visual data often comes a bit after the fact, and can be hard to act on. Nevertheless, simple moving averages are key to understanding the markets general feel of where the price rage should be trading at, or the safe zone that we referred to earlier. When prices begin to break away from the moving average line in conjunction with a sharply angled moving average line – basic mathematics is predicting a move up or down in the market. The notable down side is that when observing lagging indicators, this prediction often comes too late; thus the reasons for other types of moving averages, averages that more heavily weigh recent data and can offer quicker predictions:

    Exponential Moving Averages

    Exponential and weighted moving averages attempt to resolve the issue of lagging directional forecasts. In other words, they often cut to the chase faster, allowing traders to better time the market. This is done by placing greater emphasis on more recent price data. Instead of evenly distributing plotted points of a moving average across all candles in the period, a weighted or exponential moving average puts more emphasis on the most recent data; allowing the angle of the moving average to react more quickly.

    Theorizing that most recent price data is more important to the immediate future of the market than is older price data is often true, but can certainly be a trader’s demise if he or she is not careful. Trading a heavily weighted 10 day EMA (exponential moving average) and jumping the gun on an initial angle up on the EMA when just 10 to 12 days prior a very strong and long down trend occurred might be a bit naïve. Why? It is simple, Your 10 day EMA is over looking data that is an accurate reflection of recent market sentiment, or price direction. Remember, reading moving averages is about comparing an average view of the market’s recent trends to an actual view of recent price data. In other words, is the market trading within its safe zone, or where its average has been lately? If not, it may be an indication of a new direction or trend, but before you pull the trigger cross check your SMA (simple moving average) and gage an evenly weighted average of the market’s recent history. Notice in figure 4 that the exponential average reacts more quickly to price chance than does this simple moving average; which can be good or bad, but traders should form the habit of cross checking the two. ( view figure 4 )

    Whether using exponential moving averages, weighted moving averages or simple moving averages the objective does not change. You are looking for an average in which the market has been trading. When new candles push significantly through this average in conjunction with a sharply angled moving average line it is time to consider an entry point. History has proved itself; when prices begin trading above the moving average line the market is becoming bullish and traders should be looking for buy entry points. When prices begin trading below the moving average line the market is becoming bearish and traders should look for an opportunity to sell.

    20 Days & the Moving Average Cross

    There are those who pretend that they understand why the 20 day moving average is such a popular choice of today’s Forex traders. The answer may simply be that the average charting software offers this time frame as a default setting, or it may be that minus the weekends this time frame represents about a month of market activity.

    Whatever the case may be, an increased number of traders around the world follow this number, and thus theory becomes reality. In other words, why do technical indicators often work as well as they do? Well, market sentiment is everything; remember human beings drive any financial market. If enough human beings believe in the same indicator and the same time frame for that indicator, often there is no better way to go than with the crowd.

    Market sentiment when shared by the masses most often becomes market reality. That is why an untrained trader often finds him or herself baffled by a price move that does not make any logical sense. But, perhaps this trader was unaware of the fact that after a large and intense move up in the market technical analysts around the world were all looking at the same Fibonacci retracement levels (material for a later course, no need to fret). As such, everyone believes that the market will retrace at the same Fib levels and so everyone begins to sell at the same level, thus pushing the market down; sentiment becomes reality. For this very reason it is imperative that anyone serious about trading the Forex market, or any market for that matter, must first learn the basics of technical analysis. Often technical analysis and market sentiment are one in the same.

    The moving average cross is a tool that should not be overlooked. As can be seen in figure 5
    ( view figure 5 ) there are two moving average lines plotted on this chart. The idea is to combine a short term moving average with a long term moving average. For example, a 10 day moving average on top of a 20 day moving average. Of course the shorter moving average period will react more quickly to price direction, whereas the longer moving average period will be represented by a smoother less volatile line. When the two lines cross this is considered an indication of a quickly approaching trend reversal or change in price direction. As always, watch for the angle of the moving average line, particularly the shorter time frame (in this case the 10 day moving average). When lines cross with a sharp angle and an obvious separation from one another nine times out of ten a trader can count on a change in price direction. Do not trust moving average crosses that are represented by lines on top of one another. The two periods might have crossed, but if there is not a sharp angle and a good degree of separation after the cross expect a sideways market for the time being.

    When trading moving average crosses follow these rules: when your shorter moving average period crosses the line representing your longer period from the bottom – look for an opportunity to buy. In other words, the market in this situation is most likely poised for a trend upwards. When your shorter moving average period crosses the line representing your longer period from the top – look for an opportunity to sell. The market in this situation is most likely poised for a trend downwards. Take a look at the following chart; notice that the angle of the cross and the separation of the cross are the keys to large changes in direction. ( view figure 6 )

    Don’t jump the gun!

    Don’t jump the gun! Often inexperienced traders assume that a moving average cross is a perfect entry at the exact point of lines intersecting. This is usually not the case. Do not be fooled by what may become nothing more than a sideways market. Again, look for sharp angles and an obvious degree of separation between the two lines. Looking back at the image above, notice that the solid trends all have two things in common; the shorter period line has a sharp angle up or down, and the two lines are separated by what would be at least 2 or 3 numbers on a clock. Once this separation is obvious and a few candles have opened higher than the previous (lower than the previous in the case of a downwards trend) the market has shown its true colors. At this point, you should be looking to pull the trigger.

    What They are and How to Use Them for High-Impact Results:

    Using two moving averages – one of shorter length and one of longer length – to generate trading signals is commonly used among traders today. This method, known as the “double crossover method,” is especially suited for securities that happen to be in trending, as opposed to range-bound markets. (Trending markets are characterized by steady upward price movement in bull markets and steady downward price movement in bear markets. Prolonged sideways movement with little sustained progress up or down is characteristic of “range bound” markets.)

    There are many different ways in which this double crossover method may be used. The combination possibilities are endless. The two moving averages can be daily or weekly, but one must always be of a shorter time frame than the other. For example, you might consider using a 12- and 24- day moving average in conjunction with security’s price chart. Or a 10- and 30- day, or a 30-day and 60-day average. The shorter moving average measures the short-term trend, while the longer MA measures the longer-term trend. Buying and selling signals are given whenever the two cross over or under one another.

    Trading rules for the double crossover method are quite simple: whenever the shorter-term moving average crosses above the longer-term moving average – and the longer-term MA happens to be rising – a buy signal is generated. Conversely, whenever the shorter-term average falls beneath the longer-term average – and the longer-term average happens to be falling – a sell signal is generated.

    BigCharts.com provides a free charting service through its internet site (www.bigcharts.com), which contains charting tools for constructing several varieties of moving averages. The daily and weekly bar charts on the BigCharts.com Web site can be modified to the time frame that best suites the trader. Included in this chapter are a number of BigCharts.com stock charts, and the buy or sell signals they generated based on the crossover method using the 30-day 60-day moving average. Bear in mind that the same rules that apply for interpreting the 30-day and 60-day moving average combo apply for all types of double series moving averages; and can be used for all time frames, including daily, weekly and monthly charts.

    J.P. Morgan (JPM)

    Here is a fine example of how the double crossover system of moving averages works in J.P. Morgan. Here, the daily chart provides a buy signal when the shorter 30-day moving average crosses over the longer 60-day moving average. Conversely, a sell signal is flashed when the longer of the two averages (60-day) crosses over and remains on top of the shorter average (30-day). This basic rule of thumb applies for moving averages of any size and not just the 30-day and 60-day functions. Notice in March 1999 that the first buy signal was given as the 30-day average (light colored line) crossed on top of the darker 60-day line. So long as the price bars were rising and remained on top of the averages, the buy signal remained intact. This was the case from March through June 1999, at which point the priceline dropped underneath the averages and the averages started turning down, indicating a loss of momentum. In August 1999 the 60-day average crossed on top of the 30-day average, flashing a sell signal. This continued until November, when another buy signal occurred. However, since the two moving averages got so far out of synch with one another, it warned the trader to avoid making a commitment to the stock until the averages got back in line. The next “in-line” buy signal occurred In August 2000 (note how the two averages interacted at this time on the chart). Because the two averages became widely spaced apart shortly after this signal, it indicated that an over-bought condition was developing in J.P. Morgan. Therefore, the prudent trader would have been right to look for exit signals. The first such signal came in October, at which time the 30-day average turned down and failed to support the priceline. Even though a crossover did not occur until one month later, it would have been wise to sell out when the first 30-day moving average turned down. The rules for interpreting single line moving averages still apply when interpreting double line moving averages, even when the two lines have not crossed over yet.

    Standard & Poor’s Depository Receipt (SPY)

    A buy signal in the Standard &Poor’s Depository Receipts (SPY) remained in place throughout 1999 until August of that year until the two moving averages started rounding off and turning down. Shortly thereafter, a bearish crossover occurred, though it would have been wise to exit long positions as soon as the moving averages – particularly the 30-day average – starting curving over, reflecting waning momentum. Another strong buy signal was given in November 1999, when the 30-day average crossed the 60-day average. It soon starting curving over, however, and the priceline began a prolonged sideways movement into the year 2000. The next formal sell signal was flashed in September, at which time the 60-day average crossed over the 30-day average. The sell signal remained in place through the remainder of the year.

    General Motors (GM)

    General Motors provides a clear sell signal in its daily chart In May 1999 (note crossover and downward curve of moving averages and their relation to the priceline). A buy signal was given in October 1999 (note bowl-shaped bottoming pattern of moving averages, the rising priceline in relation to the rising averages and the crossover of the shorter average (30-day) on top of the longer average (60-day). The next sign of trouble came in May 2000, when the two averages got out of line with both curving over. The priceline plunged through both of them before bouncing higher. This should have been the trader’s signal to exit all long positions in GM and sell the stock short. Remember, when trading using two moving averages, you do not necessarily have to await a crossover before making a trading commitment – a simple curve of one or both of the moving averages, or a failure of the moving averages to contain the priceline is all the signal that is required. The crossover serves more or less as a confirmation to the preliminary buy or sell signal.

    DuPont (DD)

    Here is a daily chart of DuPont (DD), a leading industrial stock and a component of the Dow Jones Industrial Average. A strong buy signal was given in April 1999, when both moving averages were close together and moved up at the same time while the price bar were also rising. A separation of the two averages occurred between May and June of that year, followed by a curving over of the shorter (30-day) moving average in June. This provided a preliminary sell signal to the alert trader. An all-out sell signal was given in September when the 30-day average fell below the falling 60-day average. This was followed by falling prices and then a short-term buy signal in December 1999. However notice that in the month between December 1999 and January 2000, even as DuPont’s priceline was moving higher, the 30-day moving average ascended while the 60-day average never followed suit. Instead, the 60-day moving average, after a short rise in December, quickly turned back down and continued to curve lower even as the 30-day average was rising. This is what is known as divergence, and it is typically bearish. In cases like these where one moving average gives a buy signal while the other give a sell signal, it is best to exit long positions and either await a clearer signal before re-establishing trading positions or else sell short (if you are an aggressive trader). The longer of the two averages holds more significance, so in this case the fact that the 60-day average was falling implied that the longer-term trend was still down; therefore, short positions were justified. The sell-off continued throughout the year 2000; however, notice how the two averages had moved close together and were starting to round off in bowl fashion. This provides a clue that the sell-off likely has halted and that accumulation could be underway. The trader should watch this chart carefully in anticipation of the next buy signal.

    Cisco Systems (CSCO)

    A bullish buy signal continued throughout 1999 and into the early part of 2000. Notice, however, that the moving averages began moving apart in early 2000 and continued to spread apart into April, at which time the 30-day moving average started to curve over with the 60-day average soon following suit. The first sell signal was given in April when the priceline for Cisco Systems fell through both averages. Although there was quick bounce back, the curvature of the averages plus the fact that the priceline had previously plunged through them, was strong evidence that Cisco’s bull market had ended and that further weakness could be expected.

    Chinadotcom Corp. (China)

    The chart provided on the next page for Chinadotcom Corp (CHINA) is a great example of how a moving average system can serve to protect traders from adverse moves in the stock market. After an extraordinary advance from its initial public offering in July 1999, CHINA proceeded to rise to a price of nearly $80 a share in March 2000. The large gap between the priceline and the moving averages that occurred in March 2000 (just before the crash) was a preliminary warning that the stock was due a significant pullback. Although there is no hard-and-fast rule as to just how far the distance between the priceline and moving average should be before a sell signal is given, it is up to the trader to use discretion based on the “average” distance between the two over the long-term. Whenever it becomes plainly evident that there is a wide separation between the moving average and the priceline, the trader should prepare to either sell or sell short. Notice also how both averages – particularly the 60-day average – began losing momentum and curving over just before the sell-off occurred. This was yet another advance warning that a plunge was imminent. After the initial crash, CHINA continued to trade below the two moving averages for the rest of the year, indicating that selling pressure was intense throughout.

    Boston Properties (BXP)

    The chart for Boston Properties (BXP) served as a wonderful guide for making profits over a two-year period. Using the double moving average system, a trader, after initially buying in April 1999, knew to sell short between May and June of that year as the gap between the 30-day and the 60-day moving averages widened conspicuously. The sell signal was confirmed in July as the averages crossed over. The trend remained down until December 1999, at which time a preliminary buy signal was flashed as the two averages bottomed and turned up together (the crossover occurred the next month). After a rocky start in the initial months of 200, a firm buy signal was flashed in March, and from there prices headed higher. A preliminary sell signal was given in September 2000, as both averages lost momentum and curved over. Although the next firm buy signal had not been given as of December, it was beginning to look like a distinct possibility. Note how both averages are very close together and appear to be turning up with the priceline moving higher. However, as a clear-cut buy signal has not yet been flashed it is safest to remain on the sidelines awaiting a clear signal. Both averages must turn higher before a long position can be safely established.

    Resource Asset Investment Trust (RAS)

    Resource Asset Investment Trust (RAS) is a dynamic stock that can be traded with wonderful results using a double moving average trading system. Note here the interplay between its 30-day and 60-day moving averages. Note especially how the two lines cross through each other at critical turning points along the timeline. Whenever the 30-day moving averages crosses through and above the rising 60-day average, it always precedes a big run-up in share price. Note also how well the averages tend to act as support and resistance for the priceline. The first significant buy signal came in May 1999 when the 30-day MA crossed through and above the 60-day MA. Both curved over in August, at which point the trader should have sold short. A ”rounding” process occurred between November 1999 and July 2000 during which time both the priceline and the averages produced a bowl-shaped curve, implying accumulation was taking place. The next buy signal was finally flashed in July 2000, which saw RAS rocket from its low near $10.50 to a high of nearly $13 in three months – a hefty percentage gain. After a prompt sell-off from the October high, the averages curved over and failed to support the falling priceline, at which time the trader should have sold. By December, however, the 30-day moving average appeared to be ready to cross through the 60-day average, which would send another buy s

    MACD (Moving Average Convergence / Divergence)

    After delving into the world of moving averages there is no better place to go next than into the world of MACD. Why? Simple, the MACD is comprised of two moving averages. Some traders argue that there is no better technical indicator than that of the MACD, more often than not, this author tends to agree. The theory behind MACD is really the same theory behind trading any other form of a moving average cross. Generally a technical analyst can learn more from the interaction of two moving averages than he or she can learn from a single moving average in and of itself.

    The MACD uses two exponential moving averages, more specifically a 12 day EMA and a 26 day EMA. The 12 day EMA is of course going to react to the market more quickly than will the 26 day EMA. When prices in the market begin to rise or trend upwards the 12 EMA will of course increase faster than will the 26 day. Visually this results in a MACD that is slanted upwards. Conversely when prices fall or trend downwards the opposite will occur and the 12 day EMA will decrease faster than will the 26 day, creating an obvious visual slant downwards. The MACD does oscillate at what would be considered a zero line. In other words, the MACD is either above or below the level that can be considered the third part of the equation. Some analysts refer to this line as the signal line, or the trigger line. Essentially this line is usually a 9 day exponential moving average of the actual MACD itself.

    Whether you are a mathematician or not is hardly the point. One need not really understand the complexities of the calculations within a MACD, but rather it is only crucial to understand the basics of the math and what the MACD is trying to tell us as technical traders. For that reason, we will not further dissect the math. Instead, let us get to the point; how does a MACD forecast successful trades?

    As is the case with trading moving average crosses, buy and sell signals derived from a MACD will come from the crossing of two lines. However, these two lines are not your two EMA lines, rather one is the combined level of the two EMA lines and the second is the signal, or trigger line (the 9 day exponential moving average of the actual MACD itself). The MACD crossing signal line from above would indicate a sell order and conversely the MACD crossing the signal line from below would indicate a buy order ( view figure 1 )

    MACD as a Histogram

    The lines plotted on the bottom of the MACD are trying to tell a story as well, and traders had better listen up! Moving Average Convergence Divergence was not randomly chosen as this indicator’s name. Through the histogram we can visually gauge convergence (moving average lines of MACD moving towards one another) and divergence (moving average lines of MACD moving away from one another). ( view figure 2 )

    Notice – as the moving average lines cross the histogram will show no lines whatsoever, indicating to traders that lines (prices) should now start in a new direction. ( view figure 3 ) Very rarely does the histogram reach the point of a cross (two lines crossing and no line plotted on the histogram) and then plot lines in the same direction as the previous section of the histogram. In other words, if there is a legitimate cross, the histogram should begin indicating a new price direction.

    Consider the following strategy: watch the histogram for points where no lines or very small lines are drawn (indicating a cross), then look for strong lines up or down from that point. If after a cross, the histogram begins to plot lines at a sharp angle up or down, such should be considered an indication of a strong directional change in the market. ( view figure 4 ) If the MACD crosses, but the histogram plots a series of lines at a weak angle, perhaps the market it momentarily retracing, but overall trends may not be changing. ( view figure 5 )

    Now take a look at the complete picture, figure 6 ( view figure 6 ) shows an example of two trades that should have been avoided on the MACD and one opportunity that shouldn’t have been overlooked. The first directional change is weak, lines essentially move sideways. The second directional change is strong, prices dive immediately and just three lines into the histogram a trader wise enough to short the market still has 70 pips left in this downward move. The third directional change is again weak, and is nothing more than a retracement… and indication to the trader that shorted the second move that he or she might want to secure profits… but not enter a new trade.

    Understanding Fundamental Analysis

    Fundamental analysis is the study of the core underlying elements that influence the economy of a particular currency. This method of study attempts to predict price action and market trends by analyzing economic indicators, government policy and societal factors. Imagine financial markets as a large clock, the gears inside this clock that move the hands, or drive the clock would be these “fundamentals”. Although you can look at the clock and know what time it is, only by looking at the fundamentals can you truly understand how it became the time it is now. By knowing this, you might better understand the movement of time and be better able to predict what time it will be in the future. As a Forex investor you can better understand why the market is where it is today and where it might be tomorrow (or at a future point) based on studying these fundamentals.

    Keep in mind that Fundamental analysis is a very effective resource to forecast economic conditions, but not exact currency prices. For example, you might get a clear understanding of the health of the US economy by studying an economist’s forecast of an upcoming Employment Cost Index (ECI), but how does that translate into entry and exit points? You need to develop a method that you use to decipher this raw data into usable entry and exit points based on your personal unique trading strategy. These methods are known as forecasting models. Forecasting models are like fingerprints – unique to every trader. Every trader may look at the exact same data, yet conclude completely different scenarios on how the market will react. It is important to analyze the fundamentals and apply your findings to your model.

    Fundamentals for each currency might include, but not limited to; interest rates, central bank policy, political figures/events, unemployment/employment reports, and Gross Domestic Product (GDP). These economic indicators are snippets of financial and economic data published by various agencies of the government or private sectors for each country. These statistics, which are made public on a regularly scheduled basis, help market observers monitor the pulse of the economy. Therefore, almost everyone in the financial markets religiously follows them.

    With so many people poised to react to the same information, economic indicators in general have tremendous potential to generate volume and to move prices in the markets. While on the surface it might seem that an advanced degree in economics would come in handy to analyze and then trade on the glut of information contained in these economic indicators, a few simple guidelines are all that is necessary to track, organize and make trading decisions based on the data.

    The Business Cycle

    Economic indicators are classified according to how they related to the business cycle. An economic indicator will do one of the following:

    - Reflect the current state of the economy as coincident

    - Predict future conditions are leading

    - Confirm a turning occurred and conditions are lagging

    The organization responsible for an indicator generally distributes its reports about an hour before the official release time to the financial news outlets (Reuters, CNBC, Dow Jones Newswires, Bloomberg).

    The reporters, who are literally locked in a room and not permitted to have contact with anyone outside, ask questions of the agency officials and prepare headlines and analyses of the report contents. These stories are embargoed until the official release, at which time they are transmitted over the newswires to be dissected by the Wall Street community. Most Wall Street firms employ economists to provide live broadcasts of the numbers as they run across the newswires, together with interpretation and commentary regarding likely market reaction. This is known as the hoot and “holler” or tape reading. The more an indicator deviates from Street expectations, the greater its effect on the financial markets.

    What is the Central Bank?

    The central bank (also sometimes referred to as the reserve bank or monetary authority) is the entity responsible for the monetary policy of a country or of a group of member states. Its primary responsibility is to maintain the stability of the national currency and money supply, but more active duties include controlling subsidized-loan interest rates, and acting as a “bailout” lender of last resort to the banking sector during times of financial crisis. Most wealthy countries today have an “independent” central bank-that is, one which operates under rules designed to prevent political interference.

    Central Bank Responsibilities

    • Implementation of monetary policy
    • Controls the nation’s money supply
    • Acts as the government’s banker as well as the bankers’ bank (“lender of last resort”)
    • Manages the country’s forex and gold reserves, as well as the government’s stock register
    • Sets the official interest rate, used to manage both inflation and the country’s exchange rate

    Why Study by Currency or Region?

    In continuing your journey through the world of fundamental analysis, consider the approach taken when outlining the entire fundamental analysis section of this university; a strong emphasis on the US economy followed by a very close look at the following currencies – and the countries that impact their place in the market:

    GBP – Great Britain Pound

    JPY – Japanese Yen

    EUR – European Dollar

    CHF – Swiss Franc

    NZD – New Zealand Dollar

    AUD – Australian Dollar

    CAD – Canadian Dollar

    The key to understanding global economics can perhaps be found within the core economic indicators that drive market sentiment. Often, these indicators are not exclusive to the US economy. Many economic indicators are used by multiple countries, while others are specific only to certain economies. Most currency traders are aware of indicators key to the US, but even more traders probably haven’t the slightest clue or education concerning economic indicators specific to other economies. Such a view of fundamental analysis is tunnel vision at best.

    A Global Economic Game Plan

    The truth of the matter is that without a game plan attempting to master global economics would exhaust the most brilliant of minds. So, instead, look at it in the following manner: Every currency that you trade is paired with another currency for the purpose of establishing a comparative value. Consider it a battle of economies if you like, but however you choose to look at it, the point is that if trading the GBP/USD you had better know about not only the economic indicators that move the Dollar, but also of the key indicators that move the Pound. The dollar might be gathering strength across the board, but perhaps the Brits just released a Trade Balance report showing an increase in exports. As most economists know, increased exports tend to precede an increased demand for a nation’s currency.

    The following is an excerpt from ‘FA1036 – Economics of the GBP’:

    An increased number of exports translate to an increase in the demand for said nation’s currency, as other countries will be forced to exchange currency in order to purchase the exports. GDP (Gross Domestic Product) is also largely impacted by the trade balance, as an increase in the demand for exports will increase the work load of domestic factories, thus increasing employment levels.

    The point is to have an eye on both of the economies, or currencies, that you are dealing in. A trader looking at only the economic indicators pertinent to the USD might have assumed that the Dollar would strengthen versus the Pound, as in our example it had been strengthening versus other currencies. But, given the announcement of increased exports in Britain, the dollar may in fact weaken versus the Pound simply as a result of the Pound’s reaction to the GBP Trade Balance report. Had a trader been focused solely on the US economy, and solely on US economic indicators, this key fact would have been overlooked.

    Continuing Your Fundamental Analysis Education

    As the Fundamental Analysis section of the university continues you will notice heavy emphasis is placed on the US economy. This is not an issue of pride, but rather is the case because of the position of the US economy globally; few can argue its place as an economic world super-power. Also, note that the Dollar is either the Base or the Cross currency in 7 major pairs:

    USD/CHF ~ USD/JPY ~ EUR/USD ~ GBP/USD ~ USD/CAD ~ AUD/USD ~ NZD/USD

    However, one should of course never focus on just the US economy. After a very close look at the USD the rest of fundamental analysis section of the university dissects (one course at a time) the economies that drive the currencies already listed above (GBP, JPY, EUR, CHF, NZD, AUD, CAD). Each currency has a very unique place in the global market, and moreover, each currency is impacted by various economic indicators. In the case of the EUR, many countries can potentially impact the standing of the EUR, meaning that traders should be aware of the economic indicators released by each of these nations.

    Taken from ‘FA1038 – Economics of the EUR’ consider the below:

    Listed in alphabetical order the Euro is the official currency of the following countries: Austria, Belgium, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, the Netherlands, Portugal, Slovenia and Spain – these countries comprise what is known as the Eurozone. The economic standing of any of the aforementioned countries can potentially impact the stability and price direction of the Euro.

    Don’t Forget:

    Traders need to be aware of major economic indicators around the entire globe… no other approach to fundamental analysis is completely sound. That said; push forward with your study of fundamental analysis; begin with the US economy, and then take a look at economics of each currency or region as they are outlined in this university!

    What type of Economic Data is Important?

    Most major economies around the globe collect and measure very similar forms of economic data. Sifting through this data can be a bit daunting if you are not well prepared with an understanding of what to look for. Furthermore, traders need to understand which economic indicators carry the most weight, in terms of potential to impact the market. Many economic indicators are considered of lesser importance to the immediate price volatility of a currency. However, these same indicators pooled together can collectively make their mark.

    In other words, one large indicator can in and of itself impact a currency’s value. On the flip side, one lower-end economic indicator is unlikely to impact the market alone. Unfortunately, many traders understand this concept without understanding the following: though one lower-end or less significant economic indicator is unlikely to in and of itself move the market, a group of smaller indicators can certainly impact a currency… given that their collective sentiment negatively or positively reflects a nation’s economy.

    A serious fundamental trader will first and foremost monitor the numbers and data of every major economic indicator. As a secondary objective, the same fundamental analyst would note the correlation of smaller or lower-end economic indicators, i.e. in a given week is their collective data all negative or positive?

    12 Major US Indicators

    As a general guide, consider the following 12 US economic indicators of key importance to the value of the US dollar and the overall economic sentiment in the United States. Each indicator is further broken down and described as you continue your reading of further courses within this section of the university. Remember, various countries around the globe will use some of these same economic indicators, perhaps titled slightly differently, and of course will also have their own key indicators, or means of measuring economic data.

    1. GDP (Gross Domestic Product)

    2. Indices of Leading, Lagging, and Coincident Indicators

    3. The Employment Situation

    4. Industrial Production and Capacity Utilization

    5. Institute for Supply Management Indices

    6. Manufacturers’ Shipments, Inventories, and Orders

    7. Manufacturing and Trade Inventories and Sales

    8. New Residential Construction

    9. Conference Board Consumers Confidence and University of Michigan Consumer Sentiment

    10. Advance Monthly Sales for Retail Trade and Food Services

    11. Personal Income and Outlays

    12. Consumer and Producer Price Indices

    Combination of Economics & Accounting

    GDP is the broadest, most comprehensive barometer of a country’s overall economic condition. Sum of all the market values of all final goods and services produced in a country (domestically) during a specific period using that country’s resources, regardless of the ownership of the resources.

    GDP is calculated and reported on a quarterly basis as part of the National Income and Product Accounts (NIPAs). NIPAs were developed and are maintained today by the Commerce Department’s Bureau of Economic Analysis (BEA). NIPAs are the most comprehensive set of data available regarding US national output, production, and the distribution of income. Each GDP report contains data on the following:

    - personal income & consumption expenditures

    - corporate profits

    - national income

    - inflation

    To calculate GDP, the BEA uses the aggregate expenditure equation:
    GDP=C+I+G+(X-M)

    C – is personal consumption expenditures
    I – is gross private domestic investment
    G – is government consumption expenditures & gross investment
    X-M – is the net export value of goods and services (exports – imports

    C (Personal Consumption Expenditures)

    The total market value of household purchases during the accounting term, including items such as beer, telephone service, golf clubs, CDs, gasoline, musical instruments and taxicab rides.

    These fall into 3 categories; durable goods, nondurable goods, and services.

    - Durable goods have shelf lives of three or more years
    - Non durable goods are food, clothing, energy products, and items like tobacco, cosmetics, prescription drugs, and magazines.

    I (Gross Private Domestic Investment)

    Spending by businesses, expenditures on residential housing and apartments, and inventories. Inventories are valued by the BEA at the prevailing market price.

    G (Government Consumption Expenditures & Gross Investment)

    All money laid out by federal, state and local governments for goods and services.

    X-M (Net Exports of Goods & Services)

    The difference between the dollar value of the goods and services sent abroad and those it takes in across its borders.

    The GDP report is a mother lode of information about a nations economy. The GDP is released on a quarterly basis. One commonly used strategy is calculating the output gap of the GDP. The output gap is the difference between the economy’s actual and potential levels of production. This difference yields insight into important economic conditions, such as employment and inflation.

    The economy’s potential output is the amount of goods and services it would produce if it utilized all its resources. Economists estimate the rate at which the economy can expand without sparking a rise in inflation. It is not an easy calculation, and it yields as many different answers as the economists who calculate it. Luckily, a widely accepted estimate of potential output is reported relatively frequently by the Congressional Budget Office (www.cbo.gov). This website has information about methodology, underlying assumptions in computing the trend level as well as a detailed historical data.

    Index of Leading Economic Indicators

    Compiled by the Conference Board and published in its monthly Business Cycle Indicators report. Released to public at 10:00 am ET four to five weeks after the end of the record month. http://www.conference-board.org has historical data and explanations of the methodology behind the indices.

    Because the indices’ components are all released earlier than the indices themselves, the markets generally don’t react strongly to the indicator report.

    Coincident Index

    4 Components

    (1) Nonfarm Payrolls: obtained from a survey of about 160,000 businesses, conducted by the Bureau of Labor Statistics.

    (2) Personal Income Less Transfer Payments: Derived from the Personal Income and Outlays report, produced by the Bureau of Economic Analysis (BEA). The largest source is wages and salaries, transfer payments – government disbursements and food stamps.

    (3) Total Industrial Production Index: published by the Federal Reserve and constructed of 295 components that are weighted according to the value they add during the production process.

    (4) Manufacturing & Retail Trade Sales: Collected as part of the National Income and Product Accounts calculations. Found in the Manufacturing and Trade Inventories and Sales (MTIS) report published by the Department of Commerce.

    Leading Economic Index

    10 Components

    (1) Average weekly hours worked in manufacturing
    (2) Average weekly initial claims for unemployment insurance
    (3) Manufacturers’ new orders for consumer goods and materials
    (4) Slower deliveries diffusion index of vendor performance
    (5) Manufacturers’ new orders for nondefense capital goods
    (6) Monthly building permits for new private housing
    (7) Stock prices, 500 common stocks
    (8) The M2 money supply (in 1996 dollars)
    (9) The interest rate spread between the 10-year Treasury bond and the federal funds rate
    (10) The Index of Consumer Expectations

    The individual indicators composing the Leading Economic Index differ considerably in their abilities to predict economic turning points. Some are very far seeing, others relatively near sighted. The composite index combines in such a way that the whole is designed to outperform any of its parts.

    Laggin Economic Index

    7 components

    (1) Average duration of unemployment
    (2) Ratio of manufacturing and trade inventories to sales
    (3) Manufacturing labor cost per unit of output
    (4) Average prime rate
    (5) Commercial and industrial loans outstanding
    (6) Ratio of consumer installment credit to personal income
    (7) Change in the consumer price index for services

    The Lagging Economic Index follows downturns in the business cycles by about three months and expansions by about fifteen. This index was designed to confirm turning points in economic activity that were identified by the leading and coincident indices have actually occurred, thus preventing the transmission of false signals.

    One of the most key economic indicators:

    The most important economic indicator in terms of market and price impact is the monthly Employment Situation published by the Bureau of Labor Statistics (BLS). No other report has the potential to move the forex market like employment and no other indicator is more revealing of general economic conditions than the labor market data. Employment data is important because it reveals how firms, corporations, and others responsible for hiring decisions view the current and upcoming economic environment.

    The monthly employment report is based on two separate surveys: the Current Population Survey (CPS), aka the household survey, and the Current Employment Statistics survey (CES), aka the establishment, or payrolls, survey. Supplemental to each release, the commissioner of the Bureau of Labor Statistics provides a statement to the Joint Economic Committee of the U.S. Congress. The statement, generally three pages long, highlights significant strengths and weaknesses in the monthly employment statistics.

    Top billing on the employment report is generally shared by two figures; the unemployment rate and the monthly change in nonfarm payrolls. Average hourly earnings, hours worked, overtime hours worked and the monthly change in manufacturing jobs also command a great deal of traders attention.

    The surveys include:

    In the employment surveys, the BLS includes only persons older than sixteen. Excluded from surveys are people in mental or penal institutions and members of the armed forces. People qualify as employed in two ways. First are those who, during a given period, have worked as paid employees in someone else’s company or in their own businesses or on their own farms or have done fifteen hours or more of unpaid labor in a family-operated enterprise. Second are those with jobs or in businesses from which they have take temporary leave, paid or unpaid, because of illness, bad weather, vacation, child-care problems, labor disputes, maternity or paternity leave or other family or personal obligations.

    Unemployed people are those not working during the period in question, whether because they voluntarily terminated their employment, in which case they are classified as job leavers, or because they were involuntarily laid off, making them job losers.

    Strong relationships exist between the employment data and virtually every other indicator. The growth rate of non farm payrolls is generally strongly correlated with the growth rate of GDP, industrial production and capacity utilization, consumer confidence, spending, and income.



    Central Banks of “The Majors”

    Below is a list of central banks for several of the world’s major currencies:

    Bank of Canada

    Bank of England

    United States Federal Reserve

    Swiss National Bank

    Bank of Japan

    Reserve Bank of Australia

    Reserve Bank of New Zealand

    European Central Bank

    http://www.bankofcanada.ca

    http://www.bankofengland.co.uk

    http://www.federalreserve.gov

    http://www.snb.ch

    http://www.boj.or.jp

    http://www.rba.gov.au

    http://www.rbnz.govt.nz

    http://www.ecb.int

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    Tiga bulan untung setengah juta

    Posted on 20 November 2008. Filed under: Finance, Kareer, Kerjaya, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Plan Perniagaan | Tags: , , , , , , |

    Oleh FUAD HADINATA YAACOB
    hadinata@hmetro.com.my
    >Profil

    NAMA: Karl Iskandar Awang
    USIA: 35 tahun

    LAHIR: 28 Julai 1973 di Pekan, Pahang

    JAWATAN: Pengasas dan Pengarah Urusan Overseas Delight Group of Companies

    ANAK SYARIKAT:

    1) Overseas Delight Sdn Bhd (Perisian komputer dan latihan)

    2) TagerMedia Sdn Bhd (Blogstarz.My)

    3) Maca International Sdn Bhd (e-shopping)

    4) Boss Management Resources (Latihan perniagaan dan motivasi)

    5) Overseas Do Work Solution (Rakan perniagaan bisnes)

    NAMA ISTERI: Zuhainis Lazim

    ANAK-ANAK: 1) Izzul Amaris, 7 tahun

    2) Rifky Affiqal, 16 hari

    PENDIDIKAN:

    1) Sekolah Rendah Kebangsaan Ahmad, Pekan

    2) Sekolah Menengah Kebangsaan Ahmad, Pekan

    3) Ijazah Sarjana Muda Pengurusan Perniagaan University of California Los Angeles (UCLA)

    4) Ijazah Sarjana Pentadbiran Perniagaan UCLA

    HOBI: Membaca dan melayari internet

    ANDAI disamakan perkembangannya dengan seorang bayi yang baru berusia dua setengah bulan, pergerakannya hanya mampu mengiring atau paling pantas pun meniarap.

    Namun, apabila situasi itu diterjemahkan kepada syarikat TagerMedia Sdn Bhd (TMSB) yang ‘lahir’ pada 31 Ogos lalu, keupayaannya melebihi jangkaan malah tidak melambangkan usia sebenar.

    Mereka pantas berjalan dan semakin laju berlari dengan pengenalan laman web Blogstarz.My – platform pertama di dunia mengetengahkan Blog dan jaringan perniagaan internet yang dilayari atau mencecah 500,000 hit dari seluruh dunia setiap hari.

    Pengenalannya hampir tiga bulan lalu berjaya menarik 1,000 blogger baru untuk turut serta malah syarikat berjaya mencatat keuntungan mencecah RM500,000 sebulan melalui pakej blogger dan pengiklanan.

    Menariknya, kewujudan TMSB yang mempunyai modal berbayar RM5 juta membuktikan keupayaan dan kejayaan syarikat diasaskan anak muda berusia 35 tahun dari Pekan, Pahang, Karl Iskandar Awang.

    TMSB adalah anak syarikat Overseas Delight Group of Companies yang berpengalaman lapan tahun dalam dunia teknologi maklumat (IT) sejak ditubuhkan pada 2001. Selain TMSB, syarikat diasaskan Iskandar itu mempunyai empat anak syarikat lain yang berkaitan internet.

    Mungkin bunyinya ‘gempar’, ada lima anak syarikat selain dalam tempoh singkat berjaya memperoleh hasil hampir setengah juta ringgit sebulan namun bagi Karl Iskandar atau Iskandar, ia bukan mustahil.

    “Pada awalnya saya memperkenalkan blog ini untuk membantu mereka yang tidak arif mengenai dunia IT tetapi lama kelamaan ia boleh ‘buat duit’.

    “Selain boleh mencari kenalan di seluruh dunia, blog ini juga memberi pendapatan sampingan seperti menjual barangan atau perkhidmatan, komisen daripada pengenalan blogger, menjual lot pengiklanan atau menganjurkan pertandingan kuiz seperti SMS (khidmat pesanan ringkas).

    “Paling menarik, dalam tempoh setengah jam, mereka yang tidak tahu IT sudah boleh memahami dan memiliki blog sendiri, semudah A,B,C,” katanya.

    Pendapatan syarikat selain jumlah blogger dan hit yang semakin bertambah saban hari antara berita menarik didengar namun siapa tahu di sebalik semua itu, Iskandar bersama rakan kongsi, Ramdhan Ismail, 31, melalui tempoh memeritkan.

    Meninggalkan anak isteri di rumah sebaliknya berkampung di pejabat berhari-hari, mengenal pasti kelemahan yang wujud selain menjadikan internet ‘teman istimewa’ setiap hari antara cabaran dan pengorbanan dilalui kedua-duanya.

    “Kami bertemu secara tak sengaja di internet pada 2005, Ramdhan pakar dalam perisian IT dan saya pula dalam latihan dan pemasaran IT. Idea timbul apabila kesukaran untuk belajar IT.

    “Jadi, saya terfikir mengapa tiada cara mudah untuk belajar dan pertemuan dengan Ramdhan membuka jalan apabila kami pada 2006 menjadi rakan kongsi seterusnya membuat kajian serta penyelidikan selama dua tahun sebelum lahirnya Blogstarz.My,” katanya.

    Sebelum serius membangunkan laman web Blogstarz, Iskandar terbabit dalam pelbagai kerjaya antaranya perbankan, hartanah dan perhotelan.

    Dalam melayari kehidupan, Iskandar pernah mengalami zaman kejatuhan seiring dengan kegawatan ekonomi pada 1997 ketika dia bekerja di sebuah syarikat hartanah. Beberapa rumah dan kereta tergadai kerana hendak membayar hutang.

    Malah, kehidupan yang dulunya selesa, bertukar sekelip mata sehingga dia terpaksa menyewa di rumah rakan berikutan rumah yang ada terpaksa digadaikan.

    “Saya pulang ke Malaysia pada 1994 selepas tamat belajar di Amerika Syarikat (AS) dan mendapat kerja di sebuah bank. Selepas enam bulan, saya berhenti dan bekerja pula dengan sebuah syarikat hartanah.

    “Pada masa itu, memang boleh buat duit namun apabila kegawatan ekonomi berlaku pada 1997, saya turut terkena tempiasnya sehingga terpaksa menjual rumah dan kereta.

    “Selepas itu, saya menyewa di rumah rakan selama setahun sebelum berhenti dan bekerja di sebuah hotel dalam bidang pengurusan,” katanya.

    Selepas dua tahun mengutip pengalaman di hotel, Iskandar mengambil keputusan berhenti kerja untuk membuka syarikat pembinaan laman web. Melalui syarikat itu, beliau menganjurkan kelas IT dan pernah memiliki 100 pelajar pada satu masa.

    Setahun kemudian, Overseas Delight Group of Companies yang terbabit dalam industri laman web dan perisian ditubuhkan sehingga Iskandar menemui Ramdhan pada 2005 sebelum bekerjasama mewujudkan Blogstarz.My Ogos lalu.

    “Bukan mudah untuk saya perkenalkan dunia internet yang ketika itu boleh dikatakan baru di negara ini tetapi sudah lama dipraktikkan di negara luar khususnya AS. Daripada situ, wujud idea untuk memudahkan seseorang melayari internet dan gabungan idea dengan Ramdhan berjaya menghasilkan Blogstarz ini,” katanya.

    Berdasarkan pengalaman Iskandar, perniagaan bukan perkara baru bagi dirinya malah semangat berniaga itu diwarisi daripada moyang yang juga peniaga berasal dari Kampar, Sumatera.

    Ketika usia 12 tahun, Iskandar bekerja di pasar malam menjual murtabak dengan pendapatan RM10 semalam. Wang yang ada digunakan untuk perbelanjaan sekolah selain membantu adik-beradik lain.

    Sebagai abang sulung daripada sembilan beradik (kakak sebelumnya), anak kepada pasangan Awang Daru dan Rahani Mohamad itu dididik untuk hidup berdikari.

    “Hidup keluarga saya sederhana, ayah bekerja sebagai posmen manakala emak suri rumah. Jadi peluang bekerja dengan orang di pasar malam tidak saya lepaskan kerana selain dapat bantu adik-adik, duit ini juga untuk perbelanjaan sekolah saya,” katanya yang bekerja dari darjah enam hingga tingkatan lima.

    Meskipun dilahirkan dalam keluarga besar, itu tidak menjadi halangan Iskandar untuk mencatat kecemerlangan dalam akademik sehingga berjaya melanjutkan pelajaran ke AS.

    “Saya tidak pernah terfikir ada pada tahap ini sekarang namun bersyukur dengan rezeki yang dikurniakan-Nya,” katanya.

    Advertorial: BlogStarz.My taraf antarabangsa

    LAMAN web BlogStarz.My mendapat sambutan menggalakkan dari seluruh negara serta negara jiran seperti Singapura, Brunei dan Indonesia.

    Ia berdasarkan jumlah hit ke laman blog dan portal yang diterima BlogStarz.my mencecah 500,000 hit setiap hari dengan carta kedudukan BlogStarz di seluruh dunia menaiki anak tangga dari kedudukan 25 juta ke 1 juta dalam tempoh kurang dua bulan, merujuk kepada penyedia carta web dunia, http://www.alexa.com.
    Pengarah Urusan TagerMedia Sdn Bhd, Karl Iskandar Awang atau lebih dikenali sebagai Iskandar berkata, BlogStarz menyediakan platform pembangunan blog yang mudah, cepat dan mampu memberi pendapatan lumayan hingga ratusan ringgit sehari.

    Ia melalui perniagaan sendiri yang diiklankan di laman blog penulis atau komisen pengenalan blogger, selain menjual lot pengiklanan dan servis khidmat pesanan ringkas (SMS) mahupun menganjurkan pertandingan SMS seperti kuiz dan “Info On Demand.”

    Yang menarik perhatian ialah komisen ClickShare yang memberi pulangan sehingga 80 peratus kepada blogger mengikut status keahlian. Komisen ClickShare ialah perkongsian daripada keuntungan pengiklanan yang diperoleh oleh BlogStarz secara keseluruhan melalui syarikat pengiklanan gergasi di internet.

    Sementara itu, menurut Pengarah Eksekutif TagerMedia Sdn Bhd, Ramdhan Ismail, memandangkan sambutan memberangsangkan, BlogStarz melancarkan “Ads by BlogStarz”, di mana ia membuka ruang kepada syarikat di Malaysia atau usahawan untuk meletakkan iklan di portal blogstarz dan di blog ahli blogstarz.

    Dengan statistik memberangsangkan setiap hari hingga mencecah ribuan pengunjung, pengurusan BlogStarz yakin pihak pengiklan akan mendapat pulangan memuaskan, sama ada daripada teknik penjenamaan produk mahupun peningkatan jualan.

    Kos permulaan hanya serendah RM100 bagi setiap 10,000 “impression” dan pelbagai jenis iklan yang interaktif juga disediakan dengan kos berpatutan.

    Iskandar turut menyatakan, pengurusan Blogstarz berterima kasih kepada semua Master Center, penyokong BlogStarz dan Blogger kerana kerjasama mereka membawa Blogstarz ke tahap sekarang, walaupun ia belum dilancarkan secara rasmi.

    Pelancaran Blogstarz dijangka dilakukan pada 1 Januari 2009 dan pada masa sama syarikat turut melancarkan Blogstarz Market Place untuk blogger menjual barangan atau perkhidmatan.

    “Saya bersyukur dengan sambutan diterima dan bertekad memastikan BlogStarz akan berjaya sebagai platform berguna untuk semua,” katanya.

    Bercerita mengenai kelebihan BlogStarz.my dalam membantu blogger, Iskandar berkata, ia bukan hanya dalam penyediaan platfom perniagaan kepada mereka, malah membantu dalam penyenaraian nama dan perniagaan mereka sebagai Blogger BlogStarz di enjin carian utama seperti Google dengan hanya mengambil masa kurang tiga hari.

    Ini adalah kombinasi pengalaman pemasaran internet Iskandar bersama Ramdhan yang arif mengenai selok belok enjin carian atau lebih dikenali sebagai “Search Engine Optimizer (SEO)” sejak lebih lapan tahun yang banyak membantu mereka dalam perancangan BlogStarz.

    “Jika anda menyertai kami, nama anda mahupun perniagaan pasti tersenarai di enjin carian dengan pantas. Ini bermakna maklumat perniagaan anda boleh dicapai semua orang tanpa had sempadan setiap masa dan ia akan membantu perniagaan anda berkembang dengan lebih pesat” kata Iskandar.

    Untuk menjadi Blogger melalui BlogStarz, pelanggan boleh memilih pakej bersesuaian, daripada RM99 sebagai Blogger biasa; RM297 sebagai Associate; RM693 sebagai Manager dan RM1,485 sebagai Presiden.

    Pakej itu berbeza daripada segi jumlah kredit SMS yang diperoleh, jumlah iklan teks yang boleh dibuat, jumlah kata kunci SMS (SMS Keyword) bagi menjalankan perniagaan SMS dan peratusan keuntungan Clickshare yang diperoleh.

    Peluang perniagaan sebagai Master Center bermodalkan RM3,399; State Centre (RM25,000) dan Regional Centre (RM50,000) juga dibuka kepada sesiapa yang berminat, di mana potensi keuntungan sangat lumayan dan latihan lengkap kepada semua Blogger dan Center juga disediakan.

    “Yang saya nampak, masyarakat kita bukan tidak pandai atau berkebolehan dalam perniagaan, tetapi kurang pengetahuan dan pendedahan mengenai teknik pemasaran bagi mempromosi produk dan perkhidmatan ke pasaran lebih meluas.

    “Justeru, saya mengambil peluang ini untuk mengajak orang ramai tampil dan sertai pakej ditawarkan untuk mengiklankan barangan, berkongsi pendapat serta bertukar informasi mengenai perniagaan mereka, seterusnya membina pasaran, ” katanya.

    Iskandar berkata, selain dapat berhubung di alam siber, orang ramai boleh menggunakan Blogstarz sebagai kemudahan untuk berhubung dan belajar antara satu sama lain.

    Katanya, dengan teknologi BlogStarz yang canggih itu, rugi jika kepakaran disediakan tidak dimanfaatkan sebaik mungkin, khususnya Bumiputera.

    Merujuk kepada bantuan teknikal dan latihan disediakan BlogStarz, Ramdhan menyatakan, di portal utama BlogStarz menyediakan ruangan forum perbincangan di mana banyak topik dibincang dan diberi tunjuk ajar bagaimana menghasilkan blog menarik, cara memasukkan kandungan blog dan cara servis BlogStarz, terutama sistem SMS dan ruangan iklan teks.

    Katanya, orang ramai tidak perlu bimbang mengenai langkah mudah yang patut diikuti sepanjang pendaftaran kerana caranya sungguh mudah.

    “Langkah pertama ialah anda mesti mendaftar dengan melayari laman web kami iaitu http://www.blogstarz.my sebagai Blogger. Seterusnya anda boleh memilih untuk menyertai pakej ditawarkan dan membuat pembayaran di akaun Maybank 564548120343.

    “Langkah kedua, anda mesti menghantar salinan slip pembayaran melalui faks ke 03-92849977 atau e-mel kepada admin@blogstarz.my.

    “Langkah ketiga, anda akan menerima SMS pengaktifan blog dalam masa selewat-lewatnya 24 jam pada hari bekerja dan anda boleh menggunakan blog anda serta-merta,” katanya.

    Untuk mendaftar sebagai Blogger melalui SMS, orang ramai hanya perlu taipkan STARZSTREGUSERNAMEE-MAIL dan SMS ke 32300.

    Untuk menghadiri taklimat Blogstarz, sila daftar melalui SMS, taipkan STARZSTDAFTARNAMA LOKASI dan SMS ke 32300.

    Mereka yang berminat juga boleh berhubung dengan Nazif Mansor di talian 012-9072143 atau datang terus ke pejabat TagerMedia Sdn Bhd di No: 20-1 Jalan 1/76D, Desa Pandan, 55100 Kuala Lumpur.

    Mereka juga boleh menghubungi talian 03-92859977 dan faks ke 03-92849977. Pelanggan juga boleh hubungi Hotline 1-300-88-9977.

    Read Full Post | Make a Comment ( 1 so far )

    SYARIKAT MLM TANG TELAH DIBATALKAN LESEN 2004 – 08

    Posted on 18 October 2008. Filed under: Finance, Francais, Kareer, Kerjaya, MLM, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Plan Perniagaan | Tags: , , |

    SYARIKAT TANG TELAH DIBATALKAN LESEN 2004
    BIL NAMA SYARIKAT PELAN
    1 AWANA ABADI SDN BHD
    2 CINTAI HOLIDAYS SDN BHD MLM
    3 FRESHWAY ENERGY MKTG SDN BHD
    4 INVERICH SDN BHD
    5 COMMUNICATIONS TECHNOLOGY INNOVATION SDN BHD MLM
    6 COSMO OPTION SDN BHD MLM
    7 FIRST FOREFRONT SDN BHD
    8 FORTUNE CORPORATION SDN BHD MLM
    9 JAMIN EDAR (M) SDN BHD MLM
    10 KATZEKAWA SDN BHD
    11 KUBTRUS SDN BHD
    12 PESONA INTENSIVE SDN BHD
    13 PRISMA NETWORK SDN BHD MLM
    14 PROMINENT ADVANTAGE SDN BHD
    15 ROYALE MILLENIUM (M) SDN BHD MLM
    16 SCM FREE ENTERPRISE SDN BHD
    17 STEADFAST SUCCESS SDN BHD MLM
    18 ZENITH ONE SDN BHD
    SYARIKAT YANG TELAH DIBATALKAN LESEN 2005
    BIL NAMA SYARIKAT FAIL AJL TARIKH PELAN
    1 ALL SMART 1421 931237 22.12.2005 SLM
    2 AMBANG ANEKA 953 93790 22.12.2005 MO
    3 AUTOAIR HEALTHCARE MANAGEMNET 687 93227 22.12.2005 MLM
    4 BONUS EDGE 1396 931210 22.12.2005 SLM
    5 BYTE-CITIES NETWORK (M) 70 93261 22.12.2005 MLM
    6 CITISONIC 1592 931360 30.8.2005 SLM
    7 DIMAZ UNDUSTRIES 1380 931172 22.12.2005 MLM
    8 DYMAX BIO BLUE (M) 1314 931130 22.12.2005 MLM
    9 E2W UNITED 1247 931062 22.12.2005 MLM
    10 ELIXIR INTERNATIONAL 813 93628 22.12.2005 MLM
    11 EMINENT TYCOON 1432 931245 22.12.2005 MLM
    12 ESCAPE MARKETING 1739 931444 22.12.2005 SLM
    13 GENDAX 1724 931443 22.12.2005 MLM
    14 IDEALIFE HOME SPA (M) 1193 931025 22.12.2005 SLM
    15 INSCARD 82 93036 22.12.2005 SLM
    16 IVORY-ED 1822 931491 30.8.2005 SLM
    17 JEWEL & IMAGE MARKETING 784 93554 22.12.2005 MLM
    18 KNOWLEDGE HUB INCORPORATION 1781 931467 22.12.2005 SLM
    19 NAICO INTERPRISE 1712 931425 22.12.2005 MLM
    20 PT BUMIMAHA 1514 931344 22.12.2005 MLM
    21 PT MAHADUNIA 1523 931332 22.12.2005 MLM
    22 PURE ACTION 1647 931394 22.12.2005 SLM
    23 RADIANT LIFE 330 93316 22.12.2005 MLM
    24 RAS GLASSWARE MARKETING (M) 728 93619 22.12.2005 SLM
    25 SABIRA MARKETING 1334 931148 22.12.2005 MLM
    26 SHAH ALAM MARKETING (M) 1517 931329 22.12.2005 MLM
    27 SONALI PRODUCT (M) 899 93714 22.12.2005 SLM
    28 SURE ADVANTAGE 1675 931416 14.6.2005 SLM
    29 TOP-ED MARKETING SERVICES 1058 93886 22.12.2005 SLM
    30 ULTI-SUN 1736 931447 22.12.2005 MLM
    31 WIDURI 1871 931532 14.6.2005 SLM
    SYARIKAT YANG TELAH DIBATALKAN LESEN 2006
    BIL NAMA SYARIKAT FAIL AJL TARIKH PELAN
    1 BARA CEMERLANG 266 jld 2 93053 17.3.2006 SLM
    2 BEYOND 2000 WORLDWIDE 1663 931392 17.3.2006 SLM
    3 CARE-ME DIRECT SALES 385 jld 3 93334 17.3.2006 MLM
    4 CONSTANT POINT 264 jld 2 93100 17.3.2006 SLM
    5 GIOSAINT MAKETING 1016 jld 3 93849 17.3.2006 SLM
    6 HANIMA EMBROIDERY 1749 931440 17.3.2006 SLMO
    7 HAXONIC SUPPLY 1831 931516 5.1.2006 SLM
    8 LANDMARKS HOTEL & REALITY 1574 931342 17.3.2006 SLM
    9 O’CONNORS TRADING 730 93448 17.3.2006 MO
    10 PERFUMES INSPIRED 1723 931423 17.3.2006 SLM
    11 SOFU BOSS ENTERPRISE (M) 1323 931138 17.3.2006 MLM
    12 THE MINDS CREATIONS 1409 931223 17.3.2006 MLM
    13 TROPICAL FOODS & BEVERAGES 1756 931457 17.3.2006 MLM
    14 SCS GOLDEN SDN BHD 1849 931506 12.4.2006 SLM
    15 SINURI MARKETING SDN BHD 1809 931487 12.4.2006 SLM
    16 WIJAYA MARKETING SDN BHD 1851 931523 12.4.2006 SLM
    17 WAWASAN ELEGAN SDN BHD 1807 931472 12.4.2006 SLM
    SYARIKAT YANG TELAH DIBATALKAN LESEN 2007
    BIL NAMA SYARIKAT FAIL AJL TARIKH BATAL PELAN
    1 MEGA INTOP SDN BHD 1868 931531 6.04.2007 SLM
    2 GLOTRON MARKETING SDN BHD 1940 931580 6.04.2007 SLM
    3 TECHLIGENT SDN BHD 1866 931542 6.04.2007 SLM
    4 FANCY-ED MARKETING SDN BHD 1922 931590 6.04.2007 SLM
    5 DIMENSI JAYAMULIA SDN BHD 1829 931496 6.04.2007 SLM
    6 WELLNIC SUPPLY SDN BHD 1941 931576 6.04.2007 SLM
    7 JUTRONIC MARKETING SDN BHD 1774 931463 6.04.2007 SLM
    8 EKNO AKTIF SDN BHD 1877 931539 6.04.2007 MLM
    9 VIAMORE CORPORATION 469 93416 6.04.2007 MLM
    10 CUBIC CONCEPT SDN BHD 1116 93935 6.04.2007 MLM
    11 VISI CARE WORLDWIDE SDN BHD 1742 931433 6.04.2007 MLM
    12 PLURIS SDN BHD 1770 931455 6.04.2007 MLM
    13 PENZONE MARKETING SDN BHD 1948 931625 15.08.2007 MLM
    14 EZONO NETWORK SDN BHD 2031 931649 15.08.2007 MLM
    SYARIKAT YANG TELAH DIBATALKAN LESEN 2008
    BIL NAMA SYARIKAT FAIL AJL TARIKH BATAL PELAN
    1 Worldwide Freshway Sdn Bhd 1834 931502 24.01.2008 MLM
    2 Smart Way Sdn. Bhd. 2109 931704 22.02.2008 MLM
    3 Ibioenergy.Com Sdn Bhd 1874 931549 29.05.2008 MLM
    4 Nabinco Network Sdn Bhd 2177 931732 16.04.2008 SLM
    5 NSSP (M) Sdn Bhd 538 93391 MLM
    6 E-Eagle Sdn Bhd 1902 931555 30.04.2008 MLM
    7 CWW Worldwide Sdn Bhd 1918 931568 29.05.2008 MLM
    8 IMP Network Sdn Bhd / VROOM Club (M) Sdn Bhd 1801 931486 11.01.2008 MLM

    9

    BYG Worldwide Berhad 139 93034 17.09.2008 MLM
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