Pendapatan Aktif

Skim Amanah Rakyat (Sara) 1Malaysia:

Posted on 9 February 2012. Filed under: AROUND SABAH, Banking, canggihlaksana, Finance, HYIP, Pelaburan, peluang perniagaan, Pendapatan Aktif | Tags: |

Skim Amanah Rakyat (Sara) 1Malaysia:

Borang permohonan dan syarat boleh didapati di laman web ini:
http://www.sara1malaysia.com.my/n_index.php
(klu redirect, its mean laman tuh sesak dah)
Sekadar perkongsian pemahaman – Borang tersebut hendaklah di saksikan oelh ketua Jabatan , Syarikat anda berkhidmat, jika peniaga salinan penyata bank selama 3 bulan berturut2, segala salinan ic (bagi suami maupun isteri) dan salinan surat beranak (bagi setiap tanggungan) di sahkan benar oleh majkian.
1- setelah selesai serahkan di kaunter 4 panel bank yang ditetapkan.
2- kelulusan akan dimaklumkan pada anda dalam masa 2 minggu dari tarikh penghantaran borang.
3- Jika permohonan diluluskan pehak bank akan membuka 2 akaun atas nama anda (1 akaun Amanah Saham 1 Malaysia dan satu lagi akaun pinjaman di bank tersebut).
4- pada setiap bulan pelaburan dari pinjaman ini akan anda terima dalam bentuk tunai di akaun A S 1 M tersebut sebanyak RM 134.00 dan wang ini anda boleh keluarkan dan digunakan untuk membuat pembayaran ke akaun pinjaman di bank pilihan anda dengan bayaran sebanyak RM 84.00 sebulan.
5- Baki lebihan dari keuntungan dalam pelaburan A S 1M dan pembayaran pinjaman adalah sebanyak RM 50.00 (RM 134 – 84.00 = RM 50.00).. boleh di ambil atau anda biarkan sahaja di dalam akaun A S 1M tersebut (dengan andaian wang tersebut tidak di usik anda akan perolehi wang tunai bersih sebanyak RM 3000.00 pada tahun ke 5) dan ini belum termasuk wang pelaburan yang dipinjamkan kepada anda sebanyak RM 5,000.00 tersebut.
6. Tetapi… Jika anda tidak membuat pembayaran atau lewat membayar bagi pinjaman A S 1 M ini di Bank pilihan anda mengikut tarikh pembayaran yang ditetapkan, anda adalah tidak layak untuk mendapat RM 134.00 tersebut.. !!!

sumber berita : http://www.facebook.com/allatiffhm

Read Full Post | Make a Comment ( None so far )

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!

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

RE: GREAT ERA INVESTMENT GROUP Tak bayar!!?

Posted on 25 October 2011. Filed under: AROUND SABAH, FOREX, HYIP, Pelaburan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif | Tags: , |

GREAT ERA INVESTMENT GROUP…. saya mendapat panggilan dari seorang pelabur semalam ..menceritakan mengenai pelaburan beliau.. dan wang pelaburan yang beliau SEBANYAK  USD990 (lebih kurang RM2-3k) telah di bank in kan, ke acc. maybank beliau.. dan menurutnya sehingga kini lebih 10 hari .. wang tersebut belum masuk lagi ke acc. tersebut.

Nota: oleh kerana nombor  h/p saya tertera di laman ini.. beliau menjangka saya seorang yang amat arif dalam pelaburan di GREAT ERA INVESTMENT GROUP.. untuk pengetahuan anda saya cuma pelabur kecil-kecilan.. nilai pelaburan saya cuma USD200 sahaja !! .. so please, pada sesiapa yang tahu perkembangan dalam hal ini, kita berkongsi – kongsi info, dan kalau saya punya maklumat terkini, akan saya maklumkan dalam laman ini.. SALAM UKHUWAH.

Read Full Post | Make a Comment ( None so far )

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.

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

Sabah Snake Grass 优遁草 Clinathanus Daun Belalai Gajah Gendis

Posted on 14 August 2011. Filed under: Agro Biz, AROUND SABAH, peluang perniagaan, Pendapatan Aktif, Perladangan, PERTANIAN | Tags: , , , , |

Sabah Snake Grass 优遁草 Clinathanus Daun Belalai Gajah GendisSabah Snake Grass 优遁草 Clinathanus Daun Belalai Gajah Gendis Natural Cancer Cure Herbs as reported by Malaysia local newspaper. We believed this herbs will be a good add in our Healing Methodology together with our many natural herbs extracts and substances use in Religion Alliances of Health and Healing arsenal. We also found a possible way for anyone wishes to keep these Sabah Snake Grass, 优遁草, Clinathanus, Daun Belalai Gajah, Gendis extracts for conveniences used rather than the former guides given in the below article we found and post into this threads for our readers. Our extracting guides will be to take its freshly picked leaves enough to fill into the bottle of which we will add in Raw Vinegars that contains “mother of vinegar” for extracting the herbs essentials. The soaking period should be not less than 45 days in cold dark place. Please Note: This methods had not been tried by anyone for urgent needs as far as our knowledge is concern, We highly recommend this method only when the patients are in stable conditions or is in using our very own methods and guides for their healing periods. With this methods, the patients will be able to consume it easily and does not need to keep finding the fresh leaves of which we believed it is quite a hassle works and the supplier may be short of supply or delayed in the delivery. With this methods in hand.. personal planting of this Herbs may seems to give enough supply for own family members to used as well. This methods also good for those wishes to mix with another known Cancer cure Herbs that has been reported great for cancer. The Herbs are “Graviola Stem and Leaves, Daun dan Pucuk Pokok Durian Belanda”. It is reported to have been into the research by pharmaceutical to take its extracts but they failed to do so and they abandon this projects because there will be no profits for them when no patents rights can be obtained. Below article obtained report from unknown sources “We publish it as what we found and do not take responsibility from the readers actions to believed and follow the article guides in hope for healing diseases” ; ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Good News!!! Recently, I met a man who had Lymphatic Cancer – Stage 4 with 123 lymph nodes affected. His cancer started in March 2008. Affected parts: 1st: Right lung, 2nd: Left lung, 3rd: Groin, 4th: Eye and 5th Mouth. After 9 chemo therapies he stopped the treatment on 10/11/2008 because 5 specialists said he can only survive for 3 months. Today, after more than 2 years, he has recovered and is still living. Thanks to the Sabah Snake Grass (Clinacanthus) which he planted outside his house. He blended the leaves with green apple (minus skin and seeds) and drank them after breakfast everyday. After 3 days, 6 tumours disappeared. After 13 days, he went for a blood test.The oncologist said that he was 96% cured. So far more than 1,000 people who had taken the herbs showed improvement. Case 1) Man – age 54 Lung Cancer: 3rd stage. Chemothrapy 6 times Tumour before taking Sabah Snake Grass 29mm, 44mm, 76mm Tumour two weeks after taking Sabah Snake Grass reduced to 20mm, 27mm, 67mm respectively Case 2) Woman Uterus cancer – tumour size 6cm Scheduled for surgery. After taking SSG, reduced to 3.5cm. Doctor said no need to operate Continue taking the SSG, the tumour disappeared. Case 3) Man Prostate Cancer After taking SSG for 11 days, the tumour disappeared. Case 4) Woman from KL Breast and Lung Cancer Both breasts removed – 4 stage. Very weak, cannot eat, on drip and lying in hospital. Family member poured SSG juice into her mouth through tube. After a few days, could eat and was discharged. 28 days later was all tumours disappeared. Case 5) Woman from Taiping Breast Cancer After taking SSG for 3 days, the wound dried up. Case 6) Leukemia Patients So far 4 cases have been cured after drinking SSG juice.They also drank juice from 3 leaves of Guo Sai Por (Ti Tham Tou) once per week. Case 7) Dialysis Patients After taking SSG for 10 days, stopped going for dialysis treatment Case Patients with High Cholesterol, High Blood, High Uric Acid and Diabetes After taking SSG, the conditions improved. The Sabah Snake Grass Plant Its scientific name is Clinacanthus nutans also known as – 沙巴蛇草 – Sha Ba She Cao, 鰐嘴花 – E zui hua, 憂遁草 – You Dun Cao in Mandarin or Belalai Gajah or Tarum Siam in Malay or Dandang Gendis in Indonesia. Number of leaves used for treatment for Cancer everyday: Stage 1 : 30 leaves Stage 2 : 50 leaves Stage 3 : 100 leaves (either together or seperately 50 + 50 twice a day) Stage 4 : 150 – 200 leaves (divide them and take twice a day) You can either chew or blend the leaves. When the patient gets better, reduce the number of leaves. Direction for juicing SSG a) Pour half cup of clean water in a blender b) Add 1 or 2 ice cubes to prevent heating during blending c) Add 1 quarter of lemon or half a lime juice (provide Vitamin C and prevent oxidization ) d) Wash the required fresh SSG leaves and put them into the blender e) Peel a green apple and remove the core/seeds f ) Cut the apple into 8 pieces g) Put in the pieces of apple and blend h) Sip a mouthful and swish it to mix with the saliva for better digestion to prevent “wind i) Drink with the fibre within 5 minutes. j) Drink it in the morning or afternoon 45 minutes before breakfast or 2 hours after lunch. j) If “cooling” add a slice of ginger or drink warming herbal tea (red dates, wolfberries, dried longans, lotus seeds and a few slices of ginger which is boiled together and let it simmer for at least 1 hour) later in the day. Food to avoid : Sugar and products made with sugar, honey, kembong fish, ray fish, 7 angled-fish, chicken meat, duck meat, yam, glutenous rice, margarine, durians, bird nest, ginseng and other rejuvenating herbs. Anti-Cancer Compounds Besides SSG, papaya, apricot seeds, lemon grass and many types of fresh, vegetables, fruit and herbs are anti-cancer compounds. I believe all chronic diseases can be cured with the combination of detoxification, maintaing blood Ph 7.35-7.4, increasing body oxygen, eating or drinking juices from fresh, raw fruits, vegetables and herbs, a healthy lifestyle and good eating habits. The news was published on 5/4/2011 & 6/4/2011 @ Guang Ming Daily. The plant is available at Penang Snake Temple, Ayer Item Market, BM Desa Rambai Market etc. More details pls refer to the newspaper. Big Cultivator in Malaysia Herbal cancer treatment : Traditional uses of SSG Sabah Snake Grass has traditionally been used for the following health problems: • Sore throat • Uric acid • Gout • Uterine fibroid • Kidney problems • Prostate inflammation • Skin problems like eczema, shingles, and psoriasis Others with high cholesterol, high blood pressure, high uric acid and diabetes have also benefited from Sabah Snake Grass. More uses of Sabah Snake Grass include anemia,lower cholesterol,liver disease,hepatitis B,Juandice,kidney disease,diuresis,bone fracture,painkiller,infection,pms,cut,stomach pain,food poisoning,blood cleanser,sprain injury,clear heat,poisonous snake bite,scorpion string,nettle rash,detoxification,diabetes,bruise,diuresis,kill germs,fever,rheumatism,haematoma, contusion, dysentery,dysuria(painful or diffcult urination)Also effective for deep tissue abscess. Why this herbs are so unique? This herbs was believed to be used traditionally for healing a snake bites and/or any poisons bites from bugs or poison plants. Although we did not found any report on this, but by it plant name, it should be a herbs that heals out toxicity. Cancer do have high possibility that our body detect some level of toxicity exist that brings our immune system to form a tumor to prevent the toxic from spreading it. This is also a reason why most surgical will have a high chances of cancer spreading because we cut the shield form by our body. Tumor is form when our body does not have a right solutions to heals it out or lack in healing stuff to clear the toxicity within our body. Sabah Snake Grass is a well known anti-snake venom amongst the traditional healers of Thailand. The mechanism of action of this plant is believed to be attributed to its anti-cell lysis property rather than as an anti-neuromuscular transmission blocker. They also use the plant to treat scorpion bites and nettle rash. In China the whole plant is used in various manner to treat inflammatory conditions like haematoma, contusion, strains and sprains of injuries and rheumatism. Gastrointestinal Diseases Indonesian and Thai traditional healers make use of Sabah Snake Grass to treat dysentery. The Indonesians take a handful of the the fresh leaves, boiled them in 5 glasses of water until the water level recedes to about 3 glasses and the decoction is given in a dose of 1 glass each time. Other uses In Indonesia the plant is used to treat diabetes by boiling 7 – 21 fresh leaves in 2 glasses of water until the water level recedes to 1 glass and this is given twice daily. Dysuria is treated by taking 15 g of fresh leaves and boiling them for 15 minutes. The decoction is consumed once daily. Thai traditional healers make use of the plant to treat fever. Chinese healers on the other hand consider the plant as effective in regulating menstrual function, relieving pain, anaemia, jaundice and setting of fractured bones. We would also advice anyone outside Malaysia to check with their customs regulations about the possibility to get the Fresh Sabah Snake Grass soaking in Raw Vinegars is allow to pass through one Country Customs Point or not… before placing your order with us. We cannot take any responsibility on the Country Custom Rejections of getting Sabah Snake Grass soak in raw Vinegars. So please check and confirm so that we know which country can received it. Currently this Sabah Snake Grass is on short supply by even the big cultivators.. so we seen our methods will be a more suitable to cater to more people in needs and less disappointment…. Base on our current understanding, once the leafs is harvest.. it need about two months to regrow into harvesting conditions… if this the case… not everyone will get a consistent supply for its leafs.. But if using our Raw Vinegars methods…. one plants can cater to one family for sure… We estimated one plants leafs could be enough for consumption for more than two months for the plants to reach the harvesting periods again. Off course we have no proof on its effective conditions yet but at least many will get the opportunity to get the grass to be used for a longer periods without too much worry on the supply. But base on understanding nature of vinegars…. it does should be work well for extracting plants nutrients….

Sabah Snake Grass 优遁草 Clinathanus Daun Belalai Gajah Gendis

P/S: Untuk menanan pokok ni sangat mudah , hanya dengan memotong tangkai pokoknya dan cucukkan ditanah, dia akan tumbuh. Batang pokok ni lembut kerna ianya sejenis herba. Cara terbaik penggunaan SSG ini bagi penyakit Kanser: • 50 helai daun SSG • 7 helai daun Jarum Tujuh Bilah • Sebiji epal hijau • Jus daripada 1/2 biji lemon (Semua bahan – bahan di atas digaul dan di kisar) dan menjadi minuman… pembekal pokok belalai gajah dan 7 jarum di sabah hp 0162336604 (belum coba lagi ni) mungkin juga suatu masa kelak jika saya telah menanam herba ini .. anda semua bole berurusan dengan saya 😉

Read Full Post | Make a Comment ( 4 so far )

Ternak Tokek: Hewan Kecil yang Bernilai Jual Tinggi

Posted on 29 April 2010. Filed under: AROUND SABAH, canggihlaksana, Kareer, Kerja Kosong, Kerjaya, peluang perniagaan, Pendapatan Aktif, PENTERNAKAN |


indosiar.com, Probolinggo – Meski dianggap menjijikkan bagi sebagian orang, namun ternyata tokek boleh mendatangkan rezeki. Khasiatnya yang konon mampu mengubati pelbagai jenis penyakit, membuat reptilia satu ini laku keras di luar negeri, sehingga harganya pun bisa mencapai jutaan ringgit per ekor. Tingginya potensi perniagaan reptilia ini, membuat warga sekampung di Probolinggo, Jawa Timur, beralih profesi menjadi penangkar tokek.

Tempat penangkaran tokek yang boleh menampung beribu-ribu ekor tokek seperti ini, mudah sekali ditemui di sebuah kampung, tepatnya di Desa Tegal Siwalan, Kabupaten Probolinggo. Meski terlihat menjijikkan, bagi warga tempatan, tokek justru sudah menjadi bagian hidup lantaran boleh mencukupi keperluan mereka dan keluarganya.

Kerana khasiatnya yang konon boleh dijadikan sebagai bahan ubat-ubatan, membuat reptilia ini laris manis terutama di pasaran luar negeri. Bahkan, dalam keadaan sihat dengan bobot sekitar 400 gram, seekor tokek hidup boleh dibeli para penangkar ini dengan harga hanya hebat, dari 1 hingga 2 juta ringgit.

Meski demikian, menangkarkan tokek bukanlah hal mudah lantaran reptilia satu ini mudah sekali stress dan diserang penyakit lalu mati.

Karena resikonya, para penangkar biasanya hanya mampu merawat tokek selama beberapa minggu, untuk kemudian langsung dieksport ke sejumlah negara, seperti China dan Hongkong.

Tokek-tokek ini biasanya dieksport selepas melalui proses peng-ovenan agar khasiatnya terjaga. Di kampung ini setidaknya terdapat 20 penangkar tokek. Mereka biasanya membeli reptilia ini dari para pemburu tokek di sejumlah kota di Jawa Timur. Seperti Jember, Lumajang, dan Situbondo.

Selain dieksport, banyak juga warga domestik yang langsung datang untuk membeli beberapa ekor sebagai ubat untuk gatal-gatal dan asma. (Tomy Iskandar / Ijs)

Read Full Post | Make a Comment ( None so far )

Tokek (Tokay Gecko)

Posted on 29 April 2010. Filed under: AROUND SABAH, canggihlaksana, Kareer, Kerja Kosong, peluang perniagaan, Pendapatan Aktif, PENTERNAKAN | Tags: , |

Berita Jawa Pos PDF Print E-mail
Thursday, 21 January 2010 11:39
Friday, 11 December 2009 20:16

[Jumaat, 11 Disember 2009]

David Hendra, Pengusaha Tokek Beromzet billions Ringgit

Dieksport ke Luar Negeri untuk Senjata Biologi

Mungkin tak banyak yang menyangka bahawa tokek ternyata bernilai jual tinggi. Bahkan, haiwan yang sefamili dengan cecak itu telah menjadi komoditi eksport yang sangat menjanjikan karena omzetnya boleh mencapai miliaran rupiah.

TAK percaya? Bertanyalah kepada David Hendra. Lelaki 52 tahun itu adalah salah seorang warga Labuan yang menekuni bisnis tokek.

”Sekali transaksi, saya boleh mengantongi wang ratusan juta ringgit.Bahkan hingga miliaran rupiah,”ungkap lelaki kelahiran Probolinggo, 24 November 1957, tersebut ketika ditemui Radar Labuan (Jawa Pos Group) di kediamannya, Jalan Puspowarno Tengah 2 no. 28, Labuan Sarawak, terakhir (10/12).

Hendra menjelaskan, tokek yang bernilai jual tinggi itu memang bukan sembarang tokek. Beratnya per ekor harus lebih dari 3,5 ons.”Umumnya berat tokek di bawah 2 ons. Itu tak laku dijual. Kalaupun dijual, paling hanya laku Rp 2 ribu- rp 3 ribu per ekor buat ubat,”jelasnya.

Dia menambah, tokek dibahagi tiga jenis: tokek hutan, tokek batu, dan tokek rumah. Masing-masing memiliki ciri khas yang membezakan. Namun, di antara tiga jenis tokek itu, tokek rumah paling mahal.

Untuk tokek rumah seberat 5 ons-5, 9 ons, harganya bisa mencapai Rp 250 juta per ons, sehingga per ekor bisa laku sampai Rp 1 bilion.”Bahkan, tokek dengan berat lebih dari 5,9 ons dihargai Rp 500 juta per ons ,”tuturnya.

Hendra yang baru setahun menekuni bisnis tokek itu menyatakan baru saja melakukan transaksi tokek rumah seberat 7 ons. Untuk transaksi itu, si mediator (penghubung, Red) minta bayaran Rp 500 juta.”Anda percaya atau tidak? Tapi, ini benar-benar terjadi ,”tegasnya meyakinkan.

Untuk jenis tokek lain, banyak dia, harganya memang tak setinggi tokek rumah. Tokek batu misalnya, harganya hanya Rp 5 juta per kg dan harga tokek campuran cuma seperempat harga tokek rumah.”Tokek batu itu besar-besar. Seekor boleh lebih dari 1 kg,”ujarnya.

Kerana harganya yang sangat menggiurkan, wajar saja perniagaan tersebut sekarang menjadi santapan empuk para tukang tipu. Mod penipuannya boleh dilakukan dengan pemberian ubat, makanan, atau alat pemberat lain yang mampu meningkatkan berat badan tokek.”Pernah ada yang meletakkan gotri (pelor) di tubuh tokek biar beratnya tambah,”ceritanya.

Namun, pengusaha multitalenta tersebut memiliki cara sendiri untuk menjangka penipuan dalam perniagaan itu. Suami Tabita Sriwatiningsih tersebut menyatakan telah memiliki rangkaian perniagaan tokek yang kuat. Majoriti pembeli yang dilayani adalah pelanggan di luar negeri.

Untuk rangkaian ke bawah, mulai para penjual dan pengumpul, Hendra menggunakan cara tersendiri untuk mengelakkan penipuan. Yakni, jualan melalui foto serta pembayaran melalui beberapa tahap.

”Usaha dengan omzet miliaran seperti ini rawan penipuan. Kalau tidak cermat, akan mudah ditipu makelar.Oleh itu, saya punya cara sendiri untuk mengatasi penipuan,”ujarnya.

Dia menjelaskan, sistem jualan tokek dipasarkan melalui foto tertutup. Tokek tidak ditunjukkan secara utuh.Namun, tokek difoto di atas timbangan digital yang di sampingnya diletakkan akhbar untuk mengetahui tarikh berapa tokek tersebut difoto.

Foto tersebut kemudian dipasarkan melalui internet atau dihantar dalam bentuk print out. Orang yang hendak membeli tokek harus lebih dulu menyatakan sanggup bertransaksi dengan memindahkan sejumlah wang.”Seterusnya, saat terjadi transaksi langsung, barulah dibayar lunas,”jelasnya.

Untuk pembelian dari pengumpul atau pemilik, Hendra menggunakan tiga tahap bayaran untuk menghindarkan penipuan. Pertama, kenyataan kesanggupan dengan membayar sejumlah tertentu. Lalu, selama beberapa hari, dia mengamati keadaan kesihatan tokek. Jika tokek tetap sihat, dirinya baru membayar wang muka. Teratas selepas beberapa minggu dipastikan tokek dalam keadaan selamat dan sihat, dia membayar lunas harga yang disepakati.

”Tentunya, kita harus lebih cerdas dari para penipu. Saya sudah punya pengalaman ditipu orang. Itu menjadi pengalaman paling berharga,”kata lelaki yang sehari-hari memandu Honda Jazz merah tersebut.

Hendra menambah, majoriti tokek dijual ke luar negeri. Namun, dengan alasan perniagaan, dia enggan menyebutkan negara-negara Pengimport tokek asal Indonesia itu.”Ya pokoknya dibeli orang luar sana, Mas,”tegas bapa empat anak itu.

Di luar negeri, tokek yang beratnya lebih dari 3,5 ons digunakan untuk bahan kajian. Termasuk untuk mencipta ubat-ubatan, pembuatan senjata biologi, serta kepentingan teknologi biologi lain.”Tokek untuk pembangunan teknologi ke depan tidak akan surut. Justeru permintaan akan semakin tinggi,”ujarnya optimistis.

Untuk mengembangkan perniagaan tersebut, selain di Labuan, kini Hendra telah mampu membuka lima pegawai pemasaran. Yakni, di Bekasi, Bandung, Surabaya, Seremban, dan Kuala Lumpur. Pejabat tersebut, selain untuk perniagaan tokek, juga dimanfaatkan Hendra untuk perniagaan lain yang ditekuni lebih dulu.Iaitu, membuka kursus bahasa, pembuatan website, serta perniagaan bergerak dan komputer. (Abaz / aro / jpnn / kum)

Last Updated on Thursday, 04 February 2010 12:53
Read Full Post | Make a Comment ( 1 so far )

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.

Read Full Post | Make a Comment ( None so far )

Pengemis raih RM20,000 sebulan

Posted on 13 October 2009. Filed under: Franchise Opportunities, HYIP, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif |

– Presma dakwa ada sindiket kaut untung tindas orang buta
Oleh MAZLINA ABDUL MAJID dan SAHLIZAH MOHAMED
berita@kosmo.com.my

PENGEMIS buta yang ditemani oleh pengiringnya yang celik meminta derma daripada seorang pengunjung di kawasan gerai makanan di Cheras pada waktu malam.

KUALA LUMPUR – Jika anda minum di restoran mamak di sekitar Lembah Klang, sudah menjadi perkara biasa jika anda didatangi orang buta yang dipimpin oleh seorang wanita atau lelaki celik yang menjual tisu atau pelekat al-Quran.

Walaupun alasan mereka hanya untuk menampung keperluan kehidupan seharian, golongan cacat penglihatan ini dipercayai berselindung di sebalik sindiket pengemis yang mengaut untung berpuluh-puluh ribu ringgit sebulan bagi setiap seorang orang kurang upaya (OKU) di bawah jagaan mereka.

Pendedahan itu dibuat oleh Presiden Persatuan Pengusaha Restoran Muslim Malaysia (Presma), Datuk Jamarulkhan Kadir yang mendakwa ada di kalangan mereka menerima pendapatan sehingga mencecah RM20,000 sebulan.

Kegiatan itu disifatkan Jamarulkhan sebagai satu ‘manipulasi terancang’ sindiket tertentu yang berniat memeras kudrat OKU yang mana sebahagian besarnya adalah orang tempatan.

“Perolehan pendapatan daripada mengemis kemudian dibahagikan 50-50 antara OKU dan orang yang menemaninya,” dedahnya kepada Kosmo! semalam.

KAWASAN gerai di Bandar Sri Permaisuri, Cheras antara kawasan tumpuan pengemis buta.

Jamarulkhan juga tidak menolak kemungkinan sindiket terbabit mendalangi kegiatan tidak bermaruah ini dengan persetujuan pengemis buta itu.

Justeru, tidak hairanlah mereka yang mengemis pada waktu malam hingga dinihari ini dikatakan hidup mewah berdasarkan kereta mewah yang membawa mereka dalam ‘kerjaya’ harian masing-masing.

Menerusi pengalamannya, beliau sendiri pernah menyaksikan empat OKU cacat penglihatan dibawa menaiki van dan kemudian diarahkan mengemis secara bergilir-gilir secara intensif di kawasan deretan kedai makan di sekitar Bangsar di sini.

Menurut Jamarulkhan, hasil siasatan Presma juga mendapati dalam tempoh satu jam, seorang OKU dan pasangannya berupaya meraih kutipan sekurang-kurangnya RM100.

Jika dihitung selama lapan jam bekerja bagi tempoh 25 hari sahaja, katanya, mereka mampu memperoleh pendapatan paling kurang sebanyak RM20,000 sebulan.

Read Full Post | Make a Comment ( None so far )

Putera Arab tempah pesawat RM1.68b

Posted on 24 August 2009. Filed under: canggihlaksana, Finance, Pendapatan Aktif |

Cetak
Ditulis oleh Admin
Sabtu, 06 Jun 2009 20:11

LONDON – Sebuah pesawat gergasi Airbus A380 yang berharga £300 juta (RM1.68 bilion) direka khas untuk seorang kerabat diraja dari Asia Barat, lapor sebuah akhbar semalam.

Namun, apabila pengubahsuaian pesawat itu siap tiga tahun lagi, ia bakal menjadi jet peribadi terbesar di dunia.

Pemilik sebenar pesawat tersebut masih belum diketahui tetapi Putera Al-Waleed bin Talal dari Arab Saudi disebut-sebut membuat tempahan itu.

Reka bentuk dalaman pesawat itu direka oleh firma Design Q yang beribu pejabat di Worcestershire, Britain.

Antara kemudahan yang terdapat dalam pesawat itu ialah tempat menyimpan sebuah kereta, dewan konsert, bilik mesyuarat dan sebuah bilik solat yang mempunyai tikar sembahyang menghadap ke arah Kaabah.

Ia turut dilengkapi dengan sebuah zon rehat, sebuah bilik mandi yang mempunyai seni bina Turki dan ruang yang membolehkan penumpang melihat pemandangan di bawah lantai pesawat seperti hutan, gunung serta laut.

Pesawat itu pada kebiasaannya mampu membawa sebanyak 600 penumpang. – Agensi

Read Full Post | Make a Comment ( None so far )

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

Read Full Post | Make a Comment ( None so far )

usahawan cendawan

Posted on 24 August 2009. Filed under: Agro Biz, canggihlaksana, Franchise Opportunities, Kareer, Kerjaya, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif, Perladangan, PERTANIAN | Tags: |

Ketahui Rahsia Bagaimana Menjadi Seorang Usahawan Cendawan Yang Berjaya Dari Rumah!

Mudah dipelajari, kos rendah, permintaan tinggi, dan mudah dilakukan oleh sesiapa sahaja!

Daripada: Amirul Hafiz Mastam

Salam sejahtera para pembaca sekalian…

Mahukah anda ketahui rahsia bagaimana menjadi seorang usahawan cendawan yang berjaya? Adakah anda memiliki sedikit ruang yang cukup untuk membina kandang ayam atau batas sayur di belakang rumah? Tahukah anda bahawa ruang kecil di belakang rumah anda ini cukup berharga kerana mampu menjana pendapatan sampingan sebanyak RM1000 ke atas sebulan?

Kemungkinan anda sudah biasa membeli sepeket cendawan di pasaraya Giant atau Jusco dengan harga RM4.00 ke RM5.00. Dalam satu paket cendawan tiram tersebut cuma terdapat lebih kurang 10 ke 15 helai cendawan sahaja dan beratnya cuma dalam lingkungan 400g sahaja. Jika anda membina sendiri

Kalau anda ingin tahu harga sekilogram bagi cendawan tiram ialah RM10. Dan harga bagi sebongkah (tempat cendawan tiram ditanam) ialah dalam purata RM1.40 sehari. Bayangkan jika anda memiliki 100 bongkah maka pendapatan sehari anda ialah RM140. Oleh sebab permintaan terhadap cendawan ini kurang di pasaran maka harga sekilogram bagi cendawan tiram boleh mencecah RM15. Tidakkah anda mahu mempelajari bagaimana mengusahakan cendawan tiram sendiri dari rumah?

Mengapa Harus Memilih Menjadi Usahawan Cendawan?

KOS RENDAH – Anda boleh memulakan perniagaan cendawan dengan kos serendah RM200
KEUNTUNGAN TINGGI – Harga sekilogram cendawan tiram ialah RM10-RM15. Dalam sebulan anda dapat menjana RM2000 jika ada 50 bongkah.
PERMINTAAN TINGGI – Anda bakal dapat menjual cendawan dengan mudah kerana permintaannya tinggi. Tempat di mana anda boleh jual dinyatakan dalam panduan.
RISIKO RENDAH – Mengusahakan penanaman cendawan tidak berisiko tinggi kerana ia mudah dijaga dan tidak mudah dijangkiti perosak. Cendawan tumbuh dengan segar setiap hari.

Jika anda seorang PENGANGGUR, mengapa harus berdiam diri dan membuang masa di rumah? Bukankah baik jika anda melakukan sesuatu perniagaan? Kerajaan sendiri menggalakkan semua orang menceburi bidang keusahawanan pertanian. Jadi inilah masanya, bina kerjaya dengan pertanian. Anda mengatur masa sendiri tanpa ada bos mengarah-arahkan anda melakukan kerja. Anda berminat dan bersedia untuk menjadi usahawan cendawan?

Inilah yang anda perlukan sekarang…

MEMPERKENALKAN

Ebook format PDF setebal 130 mukasurat (hanya dibaca di komputer menggunakan perisian Adobe Acrobat Reader sahaja)

Ebook ini penuh dengan informasi dan ilustrasi langkah demi langkah bagaimana memulakan bisnes cendawan. Ini adalah skrin shot kandungan ebook ini

Dapatkan ebook ini di sini sekarang!

Apa Kata Mereka?

Hasil kajian dan penelitian pakar, pelbagai teknologi moden direka untuk memudahkan manusia dalam meningkatkan kualiti hidup.

Sektor pertanian juga berkembang seiring dengan perkembangan teknologi. Pelbagai kaedah moden digunakan untuk membantu petani dan juga produk yang boleh dihasilkan. Jika 5 tahun dulu kalau orang bela cacing sah orang kampung fikir dia memang kaki pancing yang fanatik sekali tetapi sekarang orang bela cacing kompos untuk tujuan pasaran persolekan.

Kita boleh membuat kerja-kerja pertanian moden ini secara sambilan atau sepenuh masa untuk menambahkan pendapatan. Siapa sangka hanya sebuah bilik di rumah teres boleh membuat kerja-kerja pertanian seperti membela cacing atau menanam cendawan.

Jika dahulu cendawan hanya popular dan hanya dimakan oleh orang kampung sahaja tetapi cendawan telah dikenalpasti oleh pakar perubatan mempunyai pelbagai khasiat yang tinggi seperti :

• Mengandungi Schizophyllan iaitu bahan dalam ubat antitumor dan kanser.
• Membantu meningkatkan sistem imuniti tubuh.
• Anti radangan.
• Anti bakteria.
• Anti parasit.
• Melindungi hati.

Produk cendawan juga telah dipelbagaikan seperti dalam bentuk kapsul, campuran kopi, suplement kesihatan, kerepek cendawan,cendawan goreng dan bermacam lagi.

Ini menunjukkan luasnya pasaran cendawan dan peluang untuk sesiapa yang pandai mengambil kesempatan menambah duit poket atau boleh dijadikan sumber utama kerana hasilnya lumayan.

Saya bercerita pasal cendawan selain rindu lama tak makan sup cendawan di jalan seelong, Senai tetapi ialah untuk berkongsi satu link dengan anda.

Kepada mereka yang ingin menceburi perniagaan penanaman cendawan, saudara Amirul
ada membuat satu PANDUAN LENGKAP menjadi usahawan cendawan. Buku ini berharga RM30 sahaja dan mungkin Amirul akan menaikkannya pada bila-bila masa sahaja.

Harganya sangat murah jika dibandingkan jika kita mengikuti kursus-kursus yang di adakan di mana-mana. Anda boleh belajar menjadi usahawan cendawan sambil minum air kopi.

Jika tidak guna pada hari ini, mana tau anda sudah penat kerja makan gaji atau ditawarkan VSS di kemudian hari.

Blalang
http://isuhangat.blogspot.com

Tahniah buat Amirul Hafiz di atas penghasilan ebook usahawan cendawan yang cukup berinformasi, panduan yang lengkap beserta gambar dan video, padat dengan teknik dan tip menjalankan bisnes cendawan dan juga video khusus untuk penanaman cendawan, penyediaan beg cendawan, proses penyediaan media dan tapis habuk kayu dengan lebih praktikal.

Tak rugi membelinya, ilmu dan teknik yang didedahkan memberi banyak manfaat kepada mereka yang ingin menjadi usahawan cendawan yang benar-benar berjaya di Malaysia…!

Fahmy (Admin)
http://www.rahsiaebiz.com

Usahawan Cendawan yang ditulis oleh Amirul Hafiz. Ebook ini bakal menggegarkan dunia usahawan pertanian, kerana pertama kalinya panduan sebegini diterbitkan dalam bahasa Melayu versi digital!

Siapa yang patut beli buku ini?

Ebook ini sesuai untuk sesiapa sahaja. Namun menurut penulis buku ini, panduan ini amat sesuai untuk suri rumah yang bosan duduk di rumah dan penganggur yang kini sedang kesempitan mencari wang. Amat sesuai kerana modal yang diperlukan bagi memulakan perniagaan ini serendah RM50!
Apa yang anda akan dapat dengan ebook ini?

Berformatkan PDF sebanyak 130 muka surat ini, ebook ini penuh dengan panduan dan ilustrasi bagaimana anda ingin memulakan perniagaan cendawan secara langkah demi langkah.

Bagi saya, perniagaan cendawan ini merupakan peluang terbaik bagi kita di luar sana yang ingin menjana pendapatan di kala ekonomi kita yang semakin gawat. Perniagaan ini sangat berbaloi kerana modalnya tak begitu besar, namun permintaan dan potensi untuk mendapat keuntungan adalah sangat tinggi!

Ops.. sebelum saya terlupa, di websitenya juga ada menyediakan preview mengenai ebook secara percuma. Nah, anda kena dapatkan ebook ini sekarang!

Payen83
http://freejer.com/

PERCUMA!!!

“Download ebook Preview Usahawan Cendawan sekarang juga!”

Masukkan First Name dan Email anda sekarang dan klik butang “Download Now” untuk muat turun laporan ini serta merta…

First Name:

Email Utama:

* First Name ialah nama pertama anda. Contohnya, jika nama penuh anda ialah Ali Bin Abu, maka First Name anda ialah Ali.

Di dalam ebook ini anda akan dapat mempelajari cara-cara memulakan bisnes cendawan dengan betul. Ebook ini boleh dianggap seperti kitab rujukan ilmu anda dalam mencipta kejayaan bisnes cendawan. Anda bakal mengetahui

Ebook ini memang padat dan lengkap dengan informasi memulakan bisnes cendawan. Dijamin anda dapat mula sekarang juga!

BONUS EKSKLUSIF

BONUS JIKA ANDA MEMBELI HARI INI

Bonus #1: Video Manual Cendawan

Semudah 1-2-3 cara penanaman cendawan yang diceritakan dalam video manual cendawan ini. Bernilai RM47

Bonus #2: Video Proses Penyediaan Beg Cendawan

Adalah penting menyediakan beg cendawan dengan betul agar cendawan tidak rosak, Video ini menunjukkan Proses penyediaan beg cendawan yang betul. Bernilai RM67

Bonus #3: Video Proses Penyediaan Media

Menyedia media sendiri lebih menjimatkan, lihat bagaimana Video tutorial Cara menyediakan media. Bernilai RM67

Bonus #4: Video Proses Tapis Habuk Kayu

Bagaimana rupa proses tapis habuk kayu? Ia ditujukkan dalam video proses tapis habuk kayu. Bernilai RM47

Apa Kata Mereka?

Saya merasakan ebook ini patut dibeli kerana ebook ini lengkap dengan video-video juga. Ebook ini juga tidak bosan walaupun pengisian agak banyak kerana terdapat pelbagai gambar berwarna. Saya rasa tak rugi membuat pelaburan untuk produk ebook ini untuk jangka panjang

Sipenglipur Lara
http://www.sipenglipurlara.com
http://www.mercuniaga.com

Sebuah ebook yang mempunyai pengisian yang mantap dan berkesan…Senang dibaca dan mudah difahami…Bab yang paling saya suka ialah bab pemasaran…ia mengajar cara-cara pemasaran yang betul dan teknik “rahsia marketing” dalam perniagaan cendawan

Lowkey
http://www.gempakbox.net

Terbukti pertanian bukan sahaja boleh dikomersilkan, malahan ilmunya boleh diterap dalam perniagaan secara online, ebook usahawan mengajar bagaimana internet membantu dalam memasarkan produk usahawan cendawan yang dihasilkan! Dan ia jelas membantu para bakal usahawan cendawan dalam memaju serta meluaskan networking mereka!Ebook Usahawan memang seharusnya dimiliki!

Mirlme (Admin)
http://www.rindok.com

Bonus-bonus ini sahaja sudah cukup LENGKAP dapat membantu anda memulakan perniagaan cendawan sendiri di rumah. Apa lagi yang kurang jika panduan berbentuk EBOOK dan VIDEO disediakan bagi anda memulakan perniagaan cendawan sendiri? Tiada yang kurang! Anda pasti berpuas hati. Dijamin!

JAMINAN KAMI

Sebagai jaminan kepada anda, saya berikan 30 hari jaminan pulangan wang sekiranya anda tidak berpuas hati dengan ebook ini dan gagal mengaplikasikan teknik yang diajar.

DAPATKAN EBOOK INI SEKARANG!

HARGA CUMA

RM30

Harga Promosi Untuk HARI INI sahaja!

Pembelian anda dijamin selamat di laman web ini. Anda boleh membeli walau pun pada tengah malam atau waktu subuh. Tempahan tetap diterima. Jika anda masih ragu-ragu dan ingin bertanya sebelum membeli, saya alu-alukan anda menghubungi saya melalui email usahawancendawan@gmail.com

Perniagaan mudah dan menguntungkan di rumah dengan hanya menjadi USAHAWAN CENDAWAN!

Klik Segera Untuk Mendapatkan Panduan Ini!

Ya Hafiz, saya ingin mendapatkan ebook Usahawan Cendawan sekarang juga dan saya faham akan diberikan jaminan pulangan wang dalam masa 30 hari. Bawa saya ke laman tempahan sekarang juga!

Semoga Berjaya,

Daripada

Amirul Hafiz Mastam

P.S: Jangan berfikir panjang lagi, perniagaan cendawan memang menguntungkan! Kerajaan sendiri menggalakkan usahawan bumiputera menceburi bidang ini. Permintaan terhadap cendawan adalah tinggi di pasaran. Dijamin boleh dijadikan sumber pendapatan tetap jika anda benar-benar mengaplikasikan teknik Usahawan Cendawan!

Join Affiliate | Order Sekarang

Read Full Post | Make a Comment ( None so far )

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’

Read Full Post | Make a Comment ( None so far )

Nelayan wanita – ‘Selagi terdaya, kami akan ke laut’

Posted on 9 June 2009. Filed under: Agro Biz, Finance, Franchise Opportunities, Kareer, Kerja Kosong, Kerjaya, Pendapatan Aktif, PERIKANAN | Tags: |

Nelayan wanita – ‘Selagi terdaya, kami akan ke laut’

Oleh Mohd Azis Ngah
azis@bharian.com.my


Rahmah menunjukkan hasil tangkapan.

Disindir ketika memohon bantuan Jabatan Kebajikan Masyarakat (JKM) menguatkan lagi azam nelayan wanita untuk sendiri mencari rezeki

DI SEBALIK celah hutan pokok bakau di muara Kuala Gula, Perak sebuah bot berwarna biru bernombor pendaftaran PKS 3616 menyusur perlahan meredah sungai. Kelihatan ibu tunggal, Rofeah Atan, 42, gagah mendayung bot meredah mata hati terik mencari rezeki.

Ditemani anak lelakinya, Mohd Rashidi Mahadi, 20, ibu kepada tujuh anak itu tersenyum melihat bot kami menghampiri mereka. Mereka berdua sedang menangkap ketam nipah menggunakan bubu yang dikenali penduduk tempatan sebagai takui.
Muka dan badannya dibasahi keringat, itulah tanda kesungguhannya mencari rezeki halal sejak kematian suami dua tahun lalu. Bot itu mempunyai enjin tetapi nelayan tempatan lebih suka mendayung ketika mengangkat bubu kerana ia menjimatkan penggunaan petrol.

Mereka adalah sebahagian daripada puluhan wanita gigih Kuala Gula yang bekerja sebagai nelayan pantai. Agak mengejutkan kerana sebelum ini jarang diketahui kerjaya itu turut dipelopori kaum hawa yang lebih dikenali sebagai suri rumah.

Lain ceritanya di sana, mereka adalah suri laut yang cekal, tanpa mengenal penat, bersama membanting tulang sama taraf dengan nelayan lelaki. Cuma bezanya, mereka lebih kepada nelayan pantai, namun sesekali, mereka juga ke laut dalam memancing ikan.

Affina ‘berbulan madu’ menangkap ketam bersama suami, Helmi.

Perkampungan nelayan di Kampung Tersusun, Kuala Gula, terletak kira-kira 50 kilometer dari Taiping, Perak itu menyimpan 1,001 cerita suka duka hidup sebagai nelayan.

Bagi Rofeah, jika tidak bekerja, tiada sesiapa akan memberi makan kepada anak-anaknya. Semua tujuh anaknya berusia tujuh hingga 25 tahun masih memerlukan perhatiannya, perlu dijaga dan disediakan makanan.

“Tak susah sangat nak jadi nelayan, kena panas, hujan atau mendayung bot kami sudah biasa. Kalau dah biasa hidup susah, tak jadi masalah. Jadi nelayan ni, semua kena tahu buat sendiri, kena baiki jaring, baiki bot, tangkap ketam, baru boleh hidup. Syukurlah saya ada bot sendiri,” katanya.

Bukannya tidak mencuba memohon bantuan menyara anak yatim daripada Jabatan Kebajikan Masyarakat (JKM), tetapi jawapan sinis mengatakan nelayan sekarang sudah senang membuatkan ibu tunggal ini nekad, jika ditakdirkan rezekinya di laut, di situlah dia akan mencurah keringat selagi berdaya.

Mak Long bersama anaknya, Che Umai.

Di jeti Kuala Gula, dua rakan karib, Norasyikin Hussein, 30, dan Normala Mohd Noor, 30, baru saja mendaratkan bot mereka ke jeti. Mereka juga nelayan pantai yang mendapat lesen daripada Lembaga Kemajuan Ikan Malaysia (LKIM) dan persatuan nelayan.

Ketika rakan seusia lebih suka bekerja mendapatkan gaji bulanan secara tetap, mereka memilih cara hidup mencabar tetapi penuh dengan ketenangan dan keseronokan kerana hidup nelayan semuanya bergantung kepada diri sendiri, jika kuat berusaha, Insya-Allah rezeki akan bertambah.

Norasyikin juga ibu tunggal yang sudah tiga tahun menjadi nelayan untuk menyara dua anak kecil berusia tiga dan enam tahun.

“Dulu saya pernah kerja kilang di Pulau Pinang tetapi kerja nelayan lagi bagus, hati senang, dekat dengan keluarga. Anak pun dah masuk tadika, siapa yang nak tanggung,” katanya yang tidak tahu berenang dan cuma mengharapkan kepada pelampung jika berlaku kecemasan.

Uniknya, kedua-dua rakan karib itu cuma tahu menangkap ketam, tetapi tidak mahir mengikat ketam untuk dijual kepada peraih. Tugas itu diserahkan kepada ayah Normala yang membantu kerja di jeti dan mereka pula membantu membersih dan menyusun pukat ikan sementara menunggu kerja mengikat ketam selesai.

Bagi Normala yang lebih banyak bertindak sebagai pemandu bot, beliau sudah biasa mengikut ayahnya menangkap ikan dan ketam sejak usianya masih kecil. Suaminya pekerja kilang dan sejak empat bulan lalu, beliau berganding bahu dengan Norasyikin berkongsi bot menangkap ketam.

“Saya pun pernah kerja kilang. Setakat ini, belum terlintas nak kerja di bawah arahan orang. Biarlah kami bekerja sendiri,” kata ibu kepada dua anak ini.

Ditanya sama ada mereka memakai losyen penahan matahari untuk melindungi wajah mereka dari terik matahari, mereka tergelak, katanya, lagi gelap lagi manis.

Ketika kami hampir menamatkan perbualan, penduduk mencadangkan kami menunggu satu lagi bot yang belum pulang. Bot dinaiki wanita besi digelar ‘Mak Long’. Usianya sudah menjangkau 62 tahun, tetapi masih gagah mencari rezeki.

Sebaik Mak Long tiba di jeti, warga emas yang mempunyai tiga cicit dan 20 cucu ini tersenyum lebar dan tegasnya, sudah 50 tahun beliau bekerja sebagai nelayan.

“Mendayung adalah petua untuk hidup sihat, keluar peluh, aliran darah pun bagus. Syukur, sampai sekarang Mak Long masih boleh mendayung, selagi terdaya, saya akan ke laut,” katanya yang menaiki bot bersama anak perempuannya, Che Umai Kamaruddin, 39.

Turun ke laut bantu suami

BAGI wanita di perkampungan nelayan di Kampung Tersusun, Kuala Gula, Perak, tanggungjawab membantu suami mencari rezeki dengan bekerja sebagai nelayan adalah perkara biasa yang menjadi rutin harian penduduk tempatan.

Jika ada yang tidak begitu yakin untuk turun ke laut, mereka lebih banyak membantu di darat melakukan kerja sampingan, asalkan mampu menambah pendapatan.

Seorang nelayan wanita yang lebih dikenali sebagai ‘Mami Jarum’ Rahmah Awang, 46, berkata beliau sudah berkecimpung dalam kerjaya itu sejak 30 tahun lalu dan selepas mendirikan rumah tangga dengan Mohd Zahir Zainon, 44, mereka berganding bahu mencari rezeki.

“Sudah menjadi adat hidup sebagai nelayan, kadangkala pulang tangan kosong. Sehari suntuk di laut, langsung tiada hasil. Kita kena terimalah, sebab ada hari kita dapat banyak rezeki, itu yang Tuhan beri.

“Setakat ini, kami bersyukur dengan rezeki yang ada. Jika turun ke laut, sekurang-kurangnya ringan beban suami, sebab saya pun dah biasa menangkap ketam dan ikan. Itu tak menjadi masalah,” katanya yang turut melakukan kerja sampingan menanam benih pokok bakau dan mengupas isi kerang.

Satu lagi pasangan nelayan, Affina Dzul, 20, dan suaminya, Helmi Sam, 26, menyifatkan kerjaya itu umpama sesi bulan madu berpanjangan kerana menghabiskan masa sepanjang masa bersama pasangan tercinta, cuma bezanya mereka bukan mendayung bot menikmati angin petang, tetapi menangkap ketam.

Bagi Affina yang baru beberapa bulan membantu suaminya, kehadirannya cuma sebagai pembantu meringankan beban suami kerana cahaya mata mereka berusia setahun lebih dijaga keluarga sepanjang masa mereka turun ke laut.

“Saya masih baru, banyak kena belajar. Seronok dapat bersama suami mencari rezeki, walaupun penat bekerja, kami tahu susah payah mencari rezeki,” katanya.

Tinjauan di sekitar perkampungan itu menemui beberapa wanita yang mengambil upah mengupas kulit kerang di bawah rumah. Kelihatan tiga wanita, Esah Mat Arab, 65, Rashidah Johan, 33 dan Arbaiah Awang, 40, rancak berbual sambil tangannya lincah mengopek kulit kerang.

Purata upah sehari RM14 sudah memadai bagi mereka sementara menunggu suami dan anak pulang dari laut, sekurang-kurangnya pendapatan itu membolehkan mereka gunakan untuk perbelanjaan harian anak ke sekolah.

Rashidah berkata, setiap kilogram isi kerang yang dikupas, mereka dibayar upah 70 sen dan setiap hari, mereka mampu mengupas kira-kira lapan kilogram isi kerang. Kerang rebus setengah masak itu biasanya dihantar oleh pembekal yang membelinya daripada nelayan berdekatan.

Info

Nelayan wanita Kuala Gula:

  • Pendapatan purata harian RM80 hingga RM100.
  • Jumlah bubu yang dimiliki: 120 hingga 200 setiap nelayan.
  • Kerja sampingan:

    1) Mencari upah menanam anak benih pokok bakau.

    2) Mengupas isi kerang

    3) Memancing ketika musim ‘air mati’.

  • Masa bekerja: 6 hingga 7 jam sehari.
  • Hak Cipta Terpelihara 2009 – Berita Harian Sdn. Bhd. Emel kami sebarang maklum balas.

    Read Full Post | Make a Comment ( None so far )

    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/

    Read Full Post | Make a Comment ( None so far )

    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

    Read Full Post | Make a Comment ( None so far )

    10 Ways to Get Rich- Warren Buffett’s secrets

    Posted on 26 January 2009. Filed under: Finance, FOREX, Kareer, Kerjaya, Pelaburan, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif, Pendapatan Pasif | Tags: , , , , , |

    10 Ways to Get Rich- Warren Buffett’s secrets


    With an estimated fortune of $62 billion, Warren Buffett is the richest man in the entire world. In 1962, when he began buying stock in Berkshire Hathaway, a share cost $7.50. Today, Buffett, 78, is Berkshire’s chairman and CEO, and one share of the company’s class A stock is worth close to $119,000. He credits his astonishing success to several key strategies, which he has shared with writer Alice Schroeder. She spent hundreds of hours interviewing the Sage of Omaha for the new authorized biography The Snowball.

    1. Reinvest your profits

    When you first make money, you may be tempted to spend it. Don’t. Instead, reinvest the profits. Buffett learned this early on. In high school, he and a pal bought a pinball machine to put in a barbershop. With the money they earned, they bought more machines until they had eight in different shops. When the friends sold the venture, Buffett used the proceeds to buy stocks and to start another small business. By age 26, he’d amassed $174,000—or $1.4 million in today’s money. Even a small sum can turn into great wealth.

    2. Be willing to be different

    Don’t base your decisions upon what everyone is saying or doing. When Buffett began managing money in 1956 with $100,000 cobbled together from a handful of investors, he was dubbed an oddball. He worked in Omaha, not on Wall Street, and he refused to tell his partners where he was putting their money. People predicted that he’d fail, but when he closed his partnership 14 years later, it was worth more than $100 million. Instead of following the crowd, he looked for undervalued investments and ended up vastly beating the market average every single year. To Buffett, the average is just that—what everybody else is doing. To be above average, you need to measure yourself by what he calls the Inner Scorecard, judging yourself by your own standards and not the world’s.

    3. Never suck your thumb

    Gather in advance any information you need to make a decision, and ask a friend or relative to make sure that you stick to a deadline. Buffett prides himself on swiftly making up his mind and acting on it. He calls any unnecessary sitting and thinking “thumb-sucking.” When people offer him a business or an investment, he says, “I won’t talk unless they bring me a price.” He gives them an answer on the spot.

    4. Spell out the deal before you start

    Your bargaining leverage is always greatest before you begin a job—that’s when you have something to offer that the other party wants. Buffett learned this lesson the hard way as a kid, when his grandfather Ernest hired him and a friend to dig out the family grocery store after a blizzard. The boys spent five hours shoveling until they could barely straighten their frozen hands. Afterward, his grandfather gave the pair less than 90 cents to split. Buffett was horrified that he performed such backbreaking work only to earn pennies an hour. Always nail down the specifics of a deal in advance—even with your friends and relatives.

    5. Watch small expenses

    Buffett invests in businesses run by managers who obsess over the tiniest costs. He once acquired a company whose owner counted the sheets in rolls of 500-sheet toilet paper to see if he was being cheated (he was). He also admired a friend who painted only the side of his office building that faced the road. Exercising vigilance over every expense can make your profits—and your paycheck—go much further.

    6. Limit what you borrow

    Living on credit cards and loans won’t make you rich. Buffett has never borrowed a significant amount—not to invest, not for a mortgage. He has gotten many heartrending letters from people who thought their borrowing was manageable but became overwhelmed by debt. His advice: Negotiate with creditors to pay what you can. Then, when you’re debt-free, work on saving some money that you can use to invest.

    7. Be persistent

    With tenacity and ingenuity, you can win against a more established competitor. Buffett acquired the Nebraska Furniture Mart in 1983 because he liked the way its founder, Rose Blumkin, did business. A Russian immigrant, she built the mart from a pawnshop into the largest furniture store in North America. Her strategy was to undersell the big shots, and she was a merciless negotiator. To Buffett, Rose embodied the unwavering courage that makes a winner out of an underdog.

    8. Know when to quit

    Once, when Buffett was a teen, he went to the racetrack. He bet on a race and lost. To recoup his funds, he bet on another race. He lost again, leaving him with close to nothing. He felt sick—h e had squandered nearly a week’s earnings. Buffett never repeated that mistake. Know when to walk away from a loss, and don’t let anxiety fool you into trying again.

    9. Assess the risks

    In 1995, the employer of Buffett’s son, Howie, was accused by the FBI of price-fixing. Buffett advised Howie to imagine the worst- and best-case scenarios if he stayed with the company. His son quickly realized that the risks of staying far outweighed any potential gains, and he quit the next day. Asking yourself “and then what?” can help you see all of the possible consequences when you’re struggling to make a decision—and can guide you to the smartest choice.

    10. Know what success really means

    Despite his wealth, Buffett does not measure success by dollars. In 2006, he pledged to give away almost his entire fortune to charities, primarily the Bill and Melinda Gates Foundation. He’s adamant about not funding monuments to himself—no Warren Buffett buildings or halls. “I know people who have a lot of money,” he says, “and they get testimonial dinners and hospital wings named after them. But the truth is that nobody in the world loves them. When you get to my age, you’ll measure your success in life by how many of the people you want to have love you actually do love you. That’s the ultimate test of how you’ve lived your life.”

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

    Soalan-soalan Lazim mengenai Skim Cepat Kaya

    Posted on 14 January 2009. Filed under: AROUND SABAH, Pelan Perniagaan, peluang perniagaan, Pendapatan Aktif | Tags: , , , , , , , , , , , , |

    Versi mesra pencetak | Hantar artikel kepada rakan



    1. Apakah Skim Cepat Kaya?

      Satu pelan yang lazimnya menawarkan kadar pulangan yang tinggi atau tidak realistik bagi jumlah pelaburan yang kecil dan pada masa yang sama menjanjikan pelaburan tersebut adalah mudah dan bebas daripada sebarang risiko.

      Skim “Cepat Kaya” yang berikut adalah dilarang di bawah undang-undang yang dikuat kuasakan oleh Bank Negara Malaysia:

        • Membeli atau menjual mata wang asing di antara dua orang dan tiada seorang daripada mereka adalah seorang peniaga yang diberi kuasa melainkan jika orang itu telah mendapatkan kebenaran daripada Pengawal Pertukaran Wang Asing di bawah Akta Kawalan Pertukaran Wang 1953 (AKPW).
        • Membeli atau menjual mata wang asing oleh seorang pemastautin yang bukan seorang peniaga yang diberi kuasa dengan seorang di luar Malaysia melainkan jika orang itu telah mendapat kebenaran Pengawal Pertukaran Wang Asing di bawah AKPW.
      • Aktiviti pengambilan deposit secara haram

        Aktiviti pengambilan deposit secara haram adalah suatu perbuatan menerima, mengambil, atau menyetujuterima deposit (wang, logam berharga, batu berharga, apa-apa artikel lain dan sebagainya) daripada orang awam atau pelabur, yang menjanjikan pembayaran semula deposit tersebut biasanya dengan faedah atau pulangan atau dengan sebarang balasan yang berupa wang atau nilaian wang, tanpa mempunyai satu lesen yang sah di bawah Akta Bank dan Institusi-Institusi Kewangan 1989.

        Urus niaga mata wang asing haram

        Perbuatan yang berikut tergolong kepada urus niaga mata wang asing haram:

    2. AMARAN: Skim Pelaburan Melalui InternetOrang awam diingatkan supaya berhati-hati dengan skim pelaburan yang dipromosikan melalui internet. Sesetengah syarikat dan laman web yang menawarkan skim pelaburan melalui internet tidak dilesenkan atau diberi kuasa oleh Bank Negara Malaysia untuk mengambil deposit atau membuat urus niaga mata wang asing. Aktiviti sedemikian biasanya menawarkan pulangan pelaburan yang menarik atau peluang pelaburan yang membabitkan kadar pulangan yang tidak realistik dan tanpa risiko atau berisiko rendah.

      Pelabur adalah diingatkan supaya membuat deposit hanya dengan institusi yang berlesen atau menjalankan urus niaga mata wang asing dengan institusi yang diberi kuasa oleh Bank Negara Malaysia agar mereka boleh mendapat perlindungan yang sepatutnya. Pengendali tidak berlesen boleh berhenti menjalankan perniagaan mereka yang menyebabkan pelabur-pelabur tidak mempunyai apa-apa cara untuk mendapatkan semula wang pelaburan mereka atau membuat tuntutan terhadap mana-mana orang yang terbabit dengan skim tersebut.

    3. Bagaimanakah untuk mengesan Skim Cepat Kaya?
        • Orang berkenaan (individu, syarikat atau organisasi) menerima, mengambil atau menyetujuterima deposit daripada orang awam tidak mempunyai lesen di bawah seksyen 6(4) Akta Bank dan Institusi-institusi Kewangan 1989;
        • Orang tersebut berjanji untuk membayar semula deposit dengan atau tanpa faedah atau pulangan (faedah atau pulangan pelaburan dijanjikan untuk dibayar dalam suatu tempoh masa dan dalam bentuk wang atau nilaian wang, sebagainya); dan
        • Orang tersebut berjanji untuk membayar semula deposit pokok apabila pembayaran balik dituntut atau pada suatu masa atau mengikut hal keadaan yang dipersetujui oleh atau bagi pihak orang yang membuat bayaran itu dan orang yang menerimanya, dengan apa-apa balasan berupa wang atau nilaian wang (pembayaran pelaburan pokok adakalanya dimasukkan sekali dalam faedah atau pulangan tetap yang dijanjikan).
        • Menawarkan kepada pelabur atau orang awam peluang untuk berurus niaga mata wang asing dengan syarikat induk (yang kononnya mempunyai lesen sah untuk berurus niaga mata wang asing di luar negara);
        • Memudahkan urus niaga mata wang asing dengan menyediakan akses kepada laman web syarikat induk dan kemudahan urus niaga melalui internet;
        • Menggaji lepasan siswazah sebagai eksekutif pemasaran dan mempengaruhi mereka supaya membuat ahli keluarga mereka membuat pelaburan;
        • Mengarahkan pelabur-pelabur untuk mendeposit wang pelaburan sama ada ke dalam akaun bank syarikat induk atau akaun bank pihak ketiga; dan
        • Mempengaruhi pelabur-pelabur untuk menambah jumlah pelaburan (“panggilan margin”) atau menghadapi risiko kehilangan pelaburan mereka .
    4. Skim pengambilan deposit secara haram

      Amaran Untuk Pelabur

      • Aktiviti pengambilan deposit secara haram selalunya berselindung dengan pelbagai cara untuk menipu orang awam menjadi mangsa skim pelaburan haram, antaranya, melalui tawaran pemberian emas dan barang berharga yang lain sebagai sebahagian daripada pulangan yang dijanjikan. Selain itu, orang ramai juga disogok dengan dakwaan bahawa deposit itu diterima sebagai pinjaman kepada syarikat.

      •  Aktiviti pengambilan deposit secara haram seringkali digambarkan mampu memberi kadar faedah atau pulangan yang tinggi atau tidak realistik dalam suatu masa yang singkat berbanding dengan institusi-institusi berlesen yang lain. Bagaimanapun, skim-skim seperti ini tidak boleh bertahan lama;

      •  Jangka hayat skim-skim seperti ini bergantung kepada penyertaan pelabur baru di mana dana pelaburan yang diterima akan digunakan untuk pembayaran dividen kepada pelabur lama. Sekiranya syarikat pengendali gagal mendapatkan pelabur baru, skim ini akan gagal kerana ketiadaan sumbangan dana dari pelabur baru.

      •  Pada permulaannya, pelabur-pelabur awal akan dibayar pulangan pelaburan seperti yang dijanjikan. Bagaimanapun, akhirnya pengendali akan melarikan diri dengan wang deposit yang dipungut apabila pengendali mendapati skim akan mengalami kegagalan yang akhirnya menjadikan pelabur rugi.

      Skim urus niaga mata wang asing haram

      Urus niaga mata wang asing dengan seseorang, selain daripada seorang yang diberi kuasa, yang tidak mendapat kebenaran oleh Pengawal Pertukaran Wang Asing di bawah AKPW sering:

      Amaran untuk PelaburPengendali skim mata wang asing haram akan cuba menyakinkan bakal-bakal pelabur dengan strategi pasaran yang menjanjikan pulangan segera dan tinggi-

      •  Melalui penampilan imej yang profesional dan bereputasi dengan barisan pekerja yang berpakaian segak, keadaan pejabat yang bercirikan teknologi tinggi dan kemudahan IT yang terkini yang memudahkan pelabur-pelabur untuk mengendalikan akaun-akaun mereka melalui internet;

      •  Dengan peralatan urus niaga seperti suatu skrin berita yang menunjukkan pergerakan dalam kadar pertukaran untuk memberi gambaran bahawa sesuatu perniagaan yang profesional dan sah di sisi undang-undang sedang dijalankan;

      •  Kebiasaannya, pelabur juga dikehendaki untuk menandatangani satu kontrak urus niaga dengan syarikat. Kontrak-kontrak ini sering tidak ditandatangani oleh syarikat. Ini bermakna tiada tindakan boleh diambil oleh pelabur terhadap syarikat kerana tiada kontrak formal yang mengikat.

    5. Bagaimanakah untuk melindungi diri daripada terjebak dengan skim seperti ini?

        • Ingatlah pada kata hikmat ini – Sesuatu yang menguntungkan tetapi seakan terlalu mustahil untuk diterima akal, berkemungkinan besar merupakan satu penipuan;
        • Berurusan hanya dengan institusi kewangan berlesen dan peniaga mata wang asing yang di beri kuasa;
        • Semak terlebih dahulu dengan pihak berkuasa yang berkaitan;
        • Jangan gopoh atau membiarkan diri dipaksa untuk melabur;
        • Berhati-hatilah dengan pelaburan yang dibuat melalui internet;
        • Berwaspada dengan sebarang peluang pelaburan yang tidak bertulis; dan
        • Jika suatu pelaburan telah dibuat, simpan kesemua dokumen yang berkaitan dengan pelaburan dan komunikasi dengan selamat.
    6. Apakah yang perlu anda lakukan sekiranya anda menjadi mangsa skim seperti ini?
      Jika anda mempunyai sebarang maklumat mengenai aktiviti pengambilan wang secara haram atau urus niaga mata wang asing secara haram atau anda sendiri adalah mangsa kepada aktiviti atau skim haram seumpamanya tersebut , sila hantar maklumat lanjut atau aduan anda beserta dengan dokumen berkaitan kepada Bank Negara Malaysia seperti berikut:

    Alamat:

    Unit Penyiasatan Khas
    Bank Negara Malaysia
    Jalan Dato’ Onn
    50480 Kuala Lumpur
    Faksimili: 03-26987467
    E-mel: upkinfo@bnm.gov.my

    Kami juga boleh dihubungi di nombor telefon yang berikut:

    Tel.: 03-2691 5090 / 2698 4163 / 2691 0824 / 2692 6482 / 2694 2143

    Read Full Post | Make a Comment ( None so far )

    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 …)

    Read Full Post | Make a Comment ( 5 so far )

    Benjamin Graham’s Timeless Investing Principles

    Posted on 13 January 2009. Filed under: Finance, FOREX, HYIP, Pendapatan Aktif, Pendapatan Pasif | Tags: , , , , , , , , , , |

    Investments > All About Investments >

    Benjamin Graham‘s Timeless Investing Principles

     
    “To achieve satisfactory investment results is easier than most people realize; to achieve superior results is harder than it looks.” – these were the wise words of  Benjamin Graham, the father of two fundamental investment disciplines – security analysis and value investing. Not a name unheard of in the investing world, Benjamin Graham was an icon for many, including William J. Ruane, Irving Kahn. One of his most loyal and notable disciples however, was Warren Buffet.There is no better way to learn how to make it big in the investing world than learning it from the best and it doesn’t get any better than Benjamin Graham.

    Benjamin Graham was born in UK in 1894 and moved to US when he was eight and a half years old. Although he came from a poor family, he was exceptionally bright at young age. He graduated from Columbia University in 1914 and started his investment career by joining Wall Street as a financial analyst. He established his first private investment organisation, the Benjamin Graham Joint Account, at the age of thirty two. During the Great Depression, between 1929 and 1932, he lost 70 percent of his $2.5 million fund. Although some of his clients gave up, his fund managed to survive the worst and by 1935, he recovered all the losses.

    What did Graham consider as critical elements to successful investing?
    Here, we will briefly go through the investing principles propounded by Benjamin Graham.

    Understand the difference between investment and speculation
    Graham established a clear distinction between an investment and a speculation. To qualify as an investment, it must go through thorough analysis, must have a good margin of safety and a satisfactory return. Speculation on the other hand merely involves timing and profiting from market fluctuation.

    • Do a detailed analysis as stocks represent a share of business
      In the process of doing a detailed analysis, investors need to have the mindset of treating stock purchasing as if they own a piece of the business, to evaluate stock price from the perspective of the underlying asset value, financial strength and future earning prospect, instead of focusing on the short-term fluctuation of the market. This is regarded as the intrinsic value of the company.
    • Build Margin of Safety
      Graham’s most famous and influential motto is ‘margin of safety’. The experiences that he cumulated during the frenzy Great Depression made a deep impression on him.  He became a very cautious investor as a result, whose number one investment concern is the safety of investment principal. If the intrinsic value of a stock is RM1 and you buy the stock at the price of 67 cents, then your margin of safety is 33%. This serves as a cushion to your investment in the case of a market down turn or to provide you with a margin of error in calculating the intrinsic value, so that the chances of you losing your principal are at the lowest.
    • Hava a  realistic return objective
      The objective of making an investment is to make money. However, Graham warns against aiming for unrealistic return objective. If you expect abnormally high return from your investment, chances are you will be exposing yourself to unnecessary risk in order to achieve your return objective, which will become speculation instead of investment. There is no short cut or quick ways to making money. Graham’s way of investing is to set a realistic return objective and making investments based on sound investment principles and having the discipline to follow through.
    • Treat the market as servant, not master
      Graham believes that risks and returns do not increase proportionately. He sees the opportunities in market volatilities. To him, the stock market is manic-depressive and investors should go for a bargain hunt during a market down turn. The risk of investment can be significantly reduced if investors understand the business and apply good judgment based on the above first three elements in searching for good fundamental stocks, which are temporarily depressed due to market reasons.

    However, he discourages making decisions based on any form of forecast and timing of the market. Instead, the decision making should be made based on price attractiveness. Graham’s stock selection criteria include a price-to-book ratio of 1.5 times, price-to-earnings ratio of below 20 times and debt-to-equity ratio of 0.5 times.

    From the above, you can observe that Graham advocates defensive investing approaches. This, later become the foundation of the investing principles of the famous investing guru, Warren Buffet, who learned about the quantitative screening process from Graham while working in Graham’s company.

    However, for a lay person to successfully apply Graham’s approaches, you need to be prepared to overcome some hurdles. You need to do a lot of hard work and have good accounting knowledge in order to dissect the financial information provided in the annual report or other financial publications. In addition to that, you will have to be highly sensitive to any news that will affect the performance of the company or the relevant industries. Having the ability to derive your own conclusion from your research, you will also then need to have the determination and faith in your work so as to prevent yourself from being blown away by the market.

    Reblog this post [with Zemanta]
    Read Full Post | Make a Comment ( 3 so far )

    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

    Reblog this post [with Zemanta]
    Read Full Post | Make a Comment ( 2 so far )

    General Trading Guidelines

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

    Plan your trade and trade your plan:

     You must have a trading plan to succeed. A trading plan should consist of a position, why you enter, stop loss point, profit taking level, plus a sound money management strategy. A good plan will remove all the emotions from your trades. The trend is your friend: Do not buck the trend. When the market is bullish, go long. On the reverse, if the market is bearish, you short. Never go against the trend.

    Focus on capital preservation:

    This is the most important step that you must take when you deal with your trading capital. You main goal is to preserve the capital. Do not trade more than 10% of your deposit in a single trade. For example, if your total deposit is $10,000, every trade should limit to $1000. If you don’t do this, you’ll be out of the market very soon.

    Know when to cut loss:

    If a trade goes against you, sell it and let go. Do not hold on to a bad trade hoping that the price will go up. Most likely, you end up losing more money. Before you enter a trade, decide your stop loss price, a price where you must sell when the trade turns sour. It depends on your risk profile as of how much you should set for the stop loss.

    Take profit when the trade is good:

     Before entering a trade decide how much profit you are willing to take. When a trade turns out to be good, take the profit. You can take profit all at one go, or take profit in stages. When you’ve recovered your trading cost, you have nothing to lose. Sit tight and watch the profit run.

    Be emotionless:

    Two biggest emotions in trading: greed and fear. Do not let greed and fear influence your trade. Trading is a mechanical process and it’s not for the emotional ones. As Dr. Alexander Elder said in his book “Trading For A Living”, if you sit next to a successful trader and observe him or her, you might not be able to tell whether he or she is making or losing money. That’s how emotionally stable a successful trader is.

    Do not trade based on tips from other people:

    Trade only when you have done your own research. Be an informed trader. Keep a trading journal: When you buy a market instrument, write down the reasons why you buy, and your feelings at that time. You do the same when you sell. Analyze and write down the mistakes you’ve made, as well as things that you’ve done right. By referring to your trading journal, you learn from your past mistakes. Improve on your mistakes, keep learning and keep improving.

    When in doubt, stay out:

    When you have doubt and not sure where the market is going, stay on the sideline. Sometimes, doing nothing is the best thing to do.

    Do not overtrade:

    Ideally you should have 3-5 positions at a time. No more than that. If you have too many positions, you tend to be out of control and make emotional decisions when there is a change in market. Do not trade for the sake of trading.

    Read Full Post | Make a Comment ( 2 so far )

    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.

    For latest MSEB indices, charts and other information click here

     
    AIRASIA :  [Stock Watch]  [News
    EDEN-OR :  [Stock Watch
    M3NERGY :  [Stock Watch]  [News
    RANHILL :  [Stock Watch]  [News
    BSDPROP :  [Stock Watch]  [News]
    ICP : [Stock Watch] [News]

    ambik dari :
    Read Full Post | Make a Comment ( None so far )

    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

    From Wikipedia, the free encyclopedia

    Jump to: navigation, search

    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]

    Contents

    [hide]

    //<![CDATA[
    if (window.showTocToggle) { var tocShowText = “show”; var tocHideText = “hide”; showTocToggle(); }
    //]]>

    [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. …”
    Reblog this post [with Zemanta]
    Read Full Post | Make a Comment ( None so far )

    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

    Reblog this post [with Zemanta]
    Read Full Post | Make a Comment ( 1 so far )

    « Previous Entries

    Liked it here?
    Why not try sites on the blogroll...