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 )

Skim Bantu Pemiutang

Posted on 19 January 2009. Filed under: Finance, Perbankkan, POLITIK | Tags: , , , , , , , , , , |

Ekonomi


19 Januari, 2009 22:51 PM  

Singapura Sedia Skim Bantu Pemiutang

SINGAPURA, 19 Jan (Bernama) — Parlimen Singapura hari ini meluluskan pindaan kepada undang-undang bankrap dengan memperkenalkan skim pembayaran semua hutang bagi mengelak orang yang berhutang daripada diisytihar bankrap, selain membantu meringankan pembayaran hutang mereka.

Skim yang diperkenalkan menerusi Rang Undang-Undang Bankrap (Pindaan) 2009 itu membolehkan orang yang bergaji dan mempunyai hutang tidak melebihi S100,000, menyertai pelan itu dengan pemberi kredit masing-masing, bagi mengelak menjadi bankrap.

Lebih utama lagi, mereka mendapat peluang untuk meneruskan pekerjaan masing-msing, kata Menteri Undang-undang dan Pejabat Amanah Awam dan Insolvensi, yang memperkenalkan pindaan itu.

Bagi membayar hutang menerusi skim itu, orang yang berhutang perlu memotong sebahagian pendapatan bulanan serta membuat penyesuaian gaya hidup.

Jika mereka mematuhi obligasi kewangan itu, dia akan dibebaskan daripada hutang dan memulakan hidup baru, kata kementerian berkenaan.

Kementerian itu juga berkata bagi memastikan kepentingan orang yang berhutang dipelihara, pemegang amanah mesti berpuas hati bahawa pelan pembayaran hutang yang dicadangkan itu cukup ketat dan membuat penyesuaian perlu sebelum meluluskannya.

Tujuannya ialah supaya mereka yang terlibat mendapat manfaat yang lebih baik berbanding apa yang mereka dapat jika diiytiharkan bankrap, katanya.

Jika mereka gagal menjalankan tanggungjawab seperti kerap gagal membayar pinjaman, pemberi redit boleh meneruskan prosidng banrkap ke atasnya.

— BERNAMA

MY WORD : WAKE UP OUR MENTERI (BETTER WE FOLLOW THEM ESPECUALLY OUR AS SABAHAN)

MAYBE NOW ITS THE RIGHT TIME…

MAAF SAYA  CUMA NAK BAGI INFO, TIADA KENA MENGENA DENGAN SAYA PUN  😉

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

Lagi lagi Gemilang Mirza

Posted on 19 January 2009. Filed under: AROUND SABAH | Tags: , , , , , , , , , , , , , , , , , , , , , , , , |

dR_Bangang

Damascus, Syria

Gemilang Mirza Ponzi Terhangat di Papar Sabah

·                                 Posted in the Malaysia Forum

 

Friday Dec 19

 

@@@@@@@@@@
PULANGAN PELABURAN:
12.5% sebulan selama 6 bulan (sekarang cuma 5 bulan)
Jadi di akhr tempoh 6 bulan anda dpt 175.2%(untung + Modal)
Berminat sila lawati awangbinting,blogspot,com

dR_Bangang

Damascus, Syria

Friday Dec 19

 

Konon sekarang ini Awang Buntal Pg kambura sedang menemui BNM untuk membuat BANK, ulang siaran, membuat BANK!!!!!.

Bank keldai.

Polisi kjaan malaysia ialah untuk menggabungkan semua bank di msia menjadi 10 bank tempatan yg terkemuka empat tahun lalu.

Skrg pengendali ponzi berani berurusan dengan BNM untuk membuat bank <<< ini adalah satu drpd knyataan Awng buntal yg menggmbarkan tahap pmikiran beliau di kepla lutut

PonZEN

Kota Kinabalu, Malaysia

Saturday Dec 20

 

Ponzi GM ini memg hangat skarang, ada suda yang contact BNM dan dr semakan yg dibuat tiada pun apa2 kelulusan yang diberikan. selama ini pelabur2 ditipu dengan maklumat salah

GMkuSayang

Bucharest, Romania

Monday Dec 22

 

Test …

Salwa dah jadi duta GM

GMkuSayang

Bucharest, Romania

Monday Dec 22

 

artis tua yg pakai botox sebotol tiap 4 bulan
dah tak laku
org tak kenal sapa salwa
kcuali orang tua2 umur 40 ke atas kot

GMkuSayang

Bucharest, Romania

Monday Dec 22

 

dah takder offer mana2 dah.
offer dari sykt skim cpt kaya pun tungap saja laa

jual kataran burung layang2

GMkuSayang

Bucharest, Romania

Monday Dec 22

 

penyokong politiknya tawfik titingan

nanti kita paparkan sini sapa penyokong skim cepat kaya ini

GMkuSayang

Bucharest, Romania

Monday Dec 22

 

Beli datuk dari semenanjung,
upah artis tua

Buntal

Kuala Lumpur, Malaysia

Monday Dec 22

 

buntal makin desperate sekarang, buat promosi gila2 sebab bak kata dr. bangang, tanggungannya juta2 tapi duit yg pusing2 tinggal makin sedikit

Buntal

Kuala Lumpur, Malaysia

Monday Dec 22

 

siapa nama pegawai BNM yang balik2 GM heret setiap kali gerak gempur ponziwan dia tu?

pegawai ini patut kita laporkan kepada pihak atasan dia di KL

PonZiLoVEr

Jinan, China

Tuesday Dec 23

 

THE BEST WAY — HAR (HIT AND RUN)

lu takde banyak wang,

lantak rm10 ribu,

lepas 6 bulan lu dapat modal balik rm10 ribu dan untung rm7,500.

Ambik balik modal, ambik untung 2,500 pas tu lu main ngan rm5,000

PonZiLoVEr

Jinan, China

Tuesday Dec 23

 

THE BEST WAY — HAR (HIT AND RUN)

lu takde banyak wang (sambungan),

main ngan rm5 ribu,

lepas 6 bulan lu dapat modal balik rm10 ribu dan untung rm3,760.

Ambik balik untung 3,760, labur balik rm5 ribu…
Ambik balik untung 3,760, labur balik rm5 ribu…

PonZiLoVEr

Jinan, China

Tuesday Dec 23

 

Ambik balik untung 3,760, labur balik rm5 ribu…
Ambik balik untung 3,760, labur balik rm5 ribu…
Ambik balik untung 3,760, labur balik rm5 ribu…
Ambik balik untung 3,760, labur balik rm5 ribu…
Ambik balik untung 3,760, labur balik rm5 ribu…
Ambik balik untung 3,760, labur balik rm5 ribu…
Ambik balik untung 3,760, labur balik rm5 ribu…
Ambik balik untung 3,760, labur balik rm5 ribu…

PonZiLoVEr

Jinan, China

Tuesday Dec 23

 

sampai kena serbu BNM

kahkahkah…….

masa dia kene serbu lu dah untung puluh puluh ribu $$$$

kaut duit ponzi sebanyak mungkin
pada setiap masa jangan biarkan mana-mana ponzi simpan wang anda ….

selamat menyembelih ponzi

Cuma aku

Indianapolis, IN

Tuesday Dec 23

 

Syabas, inila beza amatur dgn pro. Tambah sakit la awang binting

Cuma aku

Indianapolis, IN

Tuesday Dec 23

 

GMkuSayang wrote:

dah takder offer mana2 dah.
offer dari sykt skim cpt kaya pun tungap saja laa
jual kataran burung layang2

Artis? Nenek surirumah la, mana ada album dia daa. Dari sebatu lagi botox dia dah nampak.
Awg binting minat dia masa jadi konduktor dulu. Kira nostalgia la

untung2

Papar, Malaysia

Monday Dec 29

 

stakat ni mirza msh untung ba…
Tapi kesesakan di kaunter bukan alang2
Harap gm ambil lngkah membaikinya.

untung2

Papar, Malaysia

Monday Dec 29

 

bgus jg ada cerita pro dan cons utk jd panduan brsama.
Tlampau taksub mnyokong atau mmbangkang pun tiada juga guna… Siapa suka labur, taksuka jangan

Cuma Aku

Nibong Tebal, Malaysia

Tuesday Dec 30

 

Apa yang benar-benar berlaku disebalik surat yang dijaja oleh ponzi haram ini?

awangbinting,blogspot,com (tulisan terbaru bersama dr Bangang)

1. Awang Binting telah mengirim surat meminta penjelasan kepada Bank Negara Malaysia dan kemudian Bank Negara Malaysai menghantar surat balasan memberi penerangan kepada Awang Buntal durjana. Isi surat berkenaan menyatakan

2. Aktiviti GMSB mestilah tidak bercanggah dengan Akta Perbankan dan Institusi Kewangan 1989 (BAFIA), Akta Insurans 1996 dan Akta Perbankan Islam 1983. Ketiga2 akta ini ada menyentuh tentang hal yang sama iaitu mencegah >>> aktiviti pengambilan deposit secara haram. Sedangkan GMSB terang2an menjalankan aktiviti pengambilan deposit secara haram.

3. Isi kandungan yang menyatakan GMSB boleh menjalankan aktivitinya asalkan “konsep perkongsian perniagaan” itu tidak bercanggah dengan mana-mana akta yang disebutkan. Ini tidak bermakna apa-apa. Semua syarikat dinegara iniboleh menjalankan aktiviti masing2 asalkan tidak bercanggah dengan mana2 akta yang mengawalnya. Hakikatnya aktiviti GMSB bercanggah dengan sekurangkurangnya 5 akta

Bkn si Babad

Labuan, Malaysia

Wednesday Dec 31

 

Thn 2009 akan menjanjikan kejatuhan GM sdn bhd.

Kakak aku minta duit nak topup dlm GM.
Aku nda mau bg, wlaupn aku dpt untung dlm industri MLM.

AkuMauKaya

Papar, Malaysia

Thursday Jan 1

 

hahahaha paduli kamurang mau sakap apa..yg panting saya malabur di GM sudah balik pukuk… sakarang saya kasi labur yang untung saja..yg modal awal saya sudah taruh dalam bank.. sakarang saya dapat untung lagi dan lagi dan lagi dan lagi.. bayar rumah dan kurita 2 buah bulan2 pakai untung dari GM saja… yang dangki tu.. shut up la… yang pasti GM telah mengubah kehidupanku kini..

penyelidik

Papar, Malaysia

Friday Jan 2

 

GMkuSayang wrote:

artis tua yg pakai botox sebotol tiap 4 bulan
dah tak laku
org tak kenal sapa salwa
kcuali orang tua2 umur 40 ke atas kot

oi bodoh siapa mau tengok artist muda kalau yg muda ya memang lah kulit masih tegang dia nda mkn apa herba pun masih saja tegang , org mesti mau ambil duta org yg berumur supaya dapat di lihat hasilnya setelah memakan herba2 tetap masih sexy, cantik. YANG KAU MAU TENGOK ORG MUDA BUAT APA PALUI BETUL KAMU NI ORG MUDA YA MEMANG NAMPAK MUDA LAH WALAU TIDAK MEMAKAN APA2 fikir ba kalau mau memberi maklumat. kau tengok yg iklan utk kecantikan tapi menggunakan org muda apa benarnya di situ????? org muda ya tetap muda lah kalau mau iklan pasti guna kan org yg sudah mengamalkan sesuatu produk dan mesti berumur baru tau macamana dia dgn penggunaan kesannya kalau guna iklan org muda alahai itu lah yg mengarut…

Bkn si Babad

Papar, Malaysia

Saturday Jan 3

 

penyelidik wrote:

<quoted text>pintar lah konon, kau tau aku sudah bertahun ikut MLM ni mana kayanya cukup mkn pun inda, apa lagi kalau sistem piramid huhhh lagi tipu org aja kerja dia org di atas yg kenyang org d bawah alahai kalau tiada yg join kesian papah la, aku sudah puas lah pengalaman sebegini tiada hasilnya,

Ya, bertahun ko trlibat dlm MLM, tapi usaha mu macam mana..?
Dlm industri MLM ni, tidak senang untuk brjaya dan amat mudah untuk gagal.
Tapi sekali lagi, kenapa mau ikut org yg gagal.
Apa salahnya ikut org yg brjaya..

Sistem piramid..?
Di tempat kerja mu itu tiada sistem piramid?
Carta organisasi sesebuah syarikat atau kerajaan tiada sistem piramid..?

Manap Mulop

Shah Alam, Malaysia

Sunday Jan 4

 

Kamu tunggu saja Gemilang Mirza akan di serbu oleh Bank Negara dalam tempoh terdekat. Hati2 lah kamu semua.

Manap Mulop

Shah Alam, Malaysia

Sunday Jan 4

 

Keluarkanlah pelaburanmu cepat sebelum kau menyesal, kalau kau tak pecaya talipon saya di 0177515121/0197068488

babyMeena

Kota Kinabalu, Malaysia

Sunday Jan 4

 

Manap Mulop wrote:

Keluarkanlah pelaburanmu cepat sebelum kau menyesal, kalau kau tak pecaya talipon saya di 0177515121/0197068488

betulkah yang kau cakap ni manap?

sakit jiwa

Jinan, China

Monday Jan 5

 

mmg betul, plabur tgh riuh rendah skrg

sakit jiwa

Lviv, Ukraine

Monday Jan 5

 

adux3..: puteri salju>27hb12 diorang cakap duit tiada sebab aku pergi lewat n diorang suruh pergi 31 hb,,,31hb aku pergi GM alasan sama masalah bank n suruh aku pergi 5hb..aku pergi arini pun sama..so,.macam?

Manap Mulop

Shah Alam, Malaysia

Monday Jan 5

 

 

Aku dengar bos dia dah buat laporan Polis hilang duit RM500,000.00 jadi apa lagi itu adalah alasan yang paling baik untuk tidak bayar keuntungan pada kamu….

PALOI

Malaysia

Monday Jan 5

 

 

Memang urg kita indak jara jara..! Dulu melabur di Umi Esianti…pun kana dipaloi paloi kan. Dah tu ..melabur di internet..! Kang ani melabur lagi kat sikong ani. Tapi aku puji satu aja lah pasal urang kita ani.. ” Bila dah kana buyuk..ilang usin..semua diam diam..control macho “. Memang aku respek !

PALOI

Malaysia

Monday Jan 5

 

 

..Ehh kau ni Manap.. nanti abih pelabur dia urang sakit jiwa tarajun ka sungai papar ! Patang tadi aku di Papar…indak ada apa apa pun !

Manap Mulop

Shah Alam, Malaysia

Monday Jan 5

 

 

kamu tunggulah sikit hari lagi, aku di Shah Alam ni dengar cerita Bank Negara sedang pantau sama dia.

Polis Imfomer

Shah Alam, Malaysia

Monday Jan 5

 

 

Ya betul kata si Manap tu, aku dapat maklumat yang di Benting ni tak boleh simpan duit dalam Bank takut di tangkap oleh Bank Negara. Sekarang dia buat report Polis supaya bila ada orang nak claim duit dia kata dia rugi dah hilang duit. Kau tengok saja di Benting tu bukan sekolah tinggi sangat…… tipu saja tu. Semua saudara mara dia sekarang dah kayaraya dah.

cuma aku

Nibong Tebal, Malaysia

Monday Jan 5

 

“BNM tidak serius tangani skim cepat kaya di Sabah

Bank Negara Malaysia (BNM) ditegur kerana tidak mengambil tindakan serius terhadap mereka yang terlibat dalam aktiviti skim cepat kaya di Sabah.

Preside persatuan pengguna Sabah & Wilayah persekutuan labuan (CASH), Datuk Patrick Sindu (Sindhu?) berkata, jika tidak ada tindakan terhadap para penganjur skim itu, orang ramai yang akan rugi – Daily Express 6.1.09″

Busy covering your aaass now, Patrick? The truth is, Sabahans are tired of your acts. You’re a total clown. Its time now that you choose, either to become a politician, or, a social activist, or a ponzi supporter.

Kenapa sekarang sampai menegur BNM? bukankah kamu yang memilih untuk berenang bersama GM bulan Disember 2008 yang lepas. Kamu ikut berceramah menggalakkan orang mengikuti GM di Tenom. Kami masih ingat kenyataan kamu, jangan pura-pura baik sekarang. Kami yang tidak mengikut ponzi tidak perlu orang hipokrit macam kamu. Sebaliknya, GM amat memerlukan kamu untuk memulihkan imejnya.

Bagaimana kalau kamu bertanding atas tiket GM dlm pilihanraya yg akan datang?

cuma aku

Nibong Tebal, Malaysia

Monday Jan 5

 

6 Jan 09, 09:37 AM
virus: kes ni pasti akan berulang.ofic GM akan di banjiri orang ramai setiapkali musim pelabur2 menuai pelaburan mereka… guna chek aku rasa sangat mudah,senang, cepat,teratur dan tak memeningkan kepala
6 Jan 09, 09:32 AM
virus: guna duit cash memang banyak masalah… sal tak guna je chek.. so terpulang la pada individu nak ambil kat mana2
6 Jan 09, 09:31 AM
virus: tapi aku rasa,cara bayar tunai ni rasanya perlu kena tukar la.. bukan apa,untuk memudahkan system pembayaran balik dividen pelabur tang melabur di bursa saham GM hehehe…
6 Jan 09, 09:16 AM
bingung: apa ceta???? aku hairan niiii ada kes tak kena bayar GM ke????

Biar saya ulang siaran. Ini kenyataan Datuk Patrick Sindu di Seminar Gerak Keusahawanan anjuran GM semasa GM belum tenat seperti sekarang…

“Syarikat ini boleh kita yakini kerana ia berdaya saing yang baik dan bukan skim cepat kaya dan perniagaan Mirza adalah melalui barangan syarikat serta dalam penyiasatan kita akui kemampuan syarikat ini,” katanya.

Ingatkah Patrick?
Masihkah kau ingat
engkau berlari-lari
di Dewan Antanom
menyokong ponzi

hahahaha …..

Berhentilah dari Cash secara terhormat!

Gurlz

Hsinchu, Taiwan

Tuesday Jan 6

 

huru hara di pejabat GM,

orang mnunggu giliran dari pagi hngga ke ptg. Bila sampai ja turn, wang pun abissss.

adusssss. kecian de loh. pok! pok! pok!(tepuk dahi)

Project A

Shah Alam, Malaysia

Tuesday Jan 6

 

Bukan masalah bangsa yang kita pertikaikan, masalahnya bangsa kita satu ni sedang menipu bangsa-bangsa kita yang lain. Kalau bangsa kita betul-betul nak menolong bangsa tak apa, tapi ni nak menipu. Mengapa kalau bangsa kita menipu tak apa ke disebabkan bangsa sendiri. Mana boleh macam tu sebab yang menjadi masalahnya adalah “MENIPU”. Kamu bayangkan saja kononnya dapat gelaran Datuk dari istana negara. Sebenarnya Si Benting tu dapat Datu daripada Sultan Sulu dan anugerahnya disampaikan di Vistana Hotel Kuala Lumpur. Itu pun orang ramai tak tahu. Habis dikasi bodohnya orang kita ni.

kotakinablusabah malaysia

Kota Kinabalu, Malaysia

Wednesday Jan 7

 

Dia Makan Palan palan… sikit sikit… sikit sikit… na parut buncit suda… manusia bila suda jumpa duit… apa pun bulih jadi… suda banyak dia mau banyak lagi… siap siap la lawyer kamu urang… dia enda peduli suda tu business… kaya suda dia…

AliLaPointe

Kota Kinabalu, Malaysia

Wednesday Jan 7

 

keluar daily ka dia dpt datuk dari mana

Project A

Shah Alam, Malaysia

Wednesday Jan 7

 

Itulah kamu nak baca surat khabar, sekarang duit dia dah habis kononnya hilang di Bank. Mana dia ada simpan duit di Public Bank begitu banyak, mampus dia nanti.

project D

 

Wednesday Jan 7

 

Project A wrote:

Bah kalau kamu tak percaya saya nak tanya kamu, mengapa hari ni GM limitkan pembahagian keuntungan kepada RM1000 sahaja. Maknanya GM dah kehabisan wang dan tak boleh buat pusingan dah. Mampuslah kamu orang semua……….

kwn aku ambil duit p sana kemarin ok pun berjalan lancar..dpt full lg duit dia..

project D

 

Wednesday Jan 7

 

Lap-lap pu wrote:

<quoted text>
ani laagi buduh sumbung.. inda baca daily express ka?? mimang si binting dapat dato dari sultan sulu wakaka

klu betul lah dia dpt dato dr sultan sulu ko apa peduli..sibuk lah lu..

Tampalak

Malaysia

Thursday Jan 8

 

Jangan tah biskita bakurapak yang bukan-bukan,baik sudah ada GM tu,boleh tolong orang Sabah…ingat masa biskita sanang dulu dapat bayaran dari GM inda ada masalah tapi karang ani baru saja sadikit masalah,sudah macam macam kurapak…padahal duit dulu sudah banyak masuk dalam poket…inda pandai basukur orang kitani ani…untuk Pak Awang Binting,baiki kelemahan dan teruskan usaha pulihkan GM.

project D

“”One for All””

Thursday Jan 8

 

Project A wrote:

Project D kamu ani anak manakan si Binting ni kan, apa kureta kau pakai sakarang Furtuner atau D/Cab. Itu usin orang kampong kau pakai beli kurita. Aku sumpah laknat kau nanti.

aku kongsi modal pun guna duit aku sendiri..aku tak pinjam duit ko..atau pun duit org kampong..palui si laknat kaparat ni!!!
aku yg nak kongsi modal..jd aku kenalah berani tanggung resiko klu duit aku hilang..hilanglah..ko apa kisah..sibuklah lu bro..

GAYUDAN PACAH

Kuala Lumpur, Malaysia

Thursday Jan 8

 

Jgn jd palui..! karang ani bnyk tmpt blh buat duit.. pikir ja kamu.. klu org buat duit ikutlah buat duit jgn buat sibuk lah.. klu mau sanang join PQ lu, pastu join GM.. pikir2..lah bnyk, jgn sikit..

project D

“”One for All””

 

Thursday Jan 8

 

GAYUDAN PACAH wrote:

Jgn jd palui..! karang ani bnyk tmpt blh buat duit.. pikir ja kamu.. klu org buat duit ikutlah buat duit jgn buat sibuk lah.. klu mau sanang join PQ lu, pastu join GM.. pikir2..lah bnyk, jgn sikit..

masalahnya PQ melabor kat mana? tkde maklumat bro..

project D

 

Thursday Jan 8

 

aku kenal PQ bulan ogos tahun lepas 2008

salamsalur

Kuala Lumpur, Malaysia

Thursday Jan 8

 

kuang…kuang…kuang….
ujan barai2
ambuk makan padi
inda kana bayar
jangan susah hati….he…he..hehehehehe

project D

“”

Saturday Jan 10

 

gabai wrote:

mudah2an pelabur2 di GM tak membilang duit daun nangka…
kesian kawan saya dulu masa melabur di internet melabur abis RM100K…akhirnya ketawa sendiri mengira duit daun nangka..
berhati2lah kawan2 semua..mula dia naik ja ni, esok2 menjunam..(palis-palis)..
sendiri maupikir laaa

GM bukanlah pelaburan internet..

gurlZ

Hsinchu, Taiwan

Saturday Jan 10

 

project D wrote:

<quoted text>
GM bukanlah pelaburan internet..

setuju dengan anda 100%.

GM bukan pelaburan internet.

GM adalah skim cepat kaya.

Penganjurnya Awg Binting, tidak tau apa-apa pasal internet. Sebelum itu dia adalah konduktor bas.

kecian de loh.

projek A

Kuala Lumpur, Malaysia

Monday Jan 12

 

Maklumat terkini Syarikat Gemilang Mirza telah di sita oleh Bank Negara pada pagi tadi. Kedainya di Papar telah diserbu termasuklah rumah si Binting di Benoni Papar. Padanlah muka kamu orang taak mendangar nasihat diaku. Mari kita lihat sapa yang kena……

project D

“”One for All””

 

Tuesday Jan 13

 

projek A wrote:

Oooi projek D kalau nak lingkupkan orang melayu jangan kira bangsa apa tau tak ? Kau anak buah Si Binting memanglah bersubahat dengan binting untuk memusnahkan bangsa kamu sendiri.

ada org paksa masuk GM ker?? aku sendiri kongsi modal sebab aku yg mau sendiri..tkde org paksa..skang duit aku hilang ko apa kesah..biasa ler huntung rugi dalam berniaga..kita ada otak kita blh fikir sebelum masuk..klu takut diam2 le..bg aku ini pengalaman..klu ko cakap aku anak buah dia ko ckp lah aku pduli apa..

project D

“”One for All””

Wednesday Jan 14

 

projek A wrote:

Kamu tengok surat khabar hari ni sudah tersebar cerita dalam akhbar muka depan lagi tu. Sekarang ni yang kayaraya makan duit orang adalah anak beranak dan saudara mara si Binting termasuklah si projek D. Orang kampong yang di tipunya sudah merana lingkup dengan duit dah habis. Inilah perancangan licik si Binting & co.

maaf ye masih dsiasat lagi..hak..hak..hak..

project D

 

Wednesday Jan 14

 

kamu ni gelojoh sangat lah nak tengok org jatuh..sabar la bro..ko masih percaya jg aku masih ada kaitan dgn ag.binting..kan ni forum mesti ada kerajaan dan pembangkang..apa lah lu bro..

project D

 

Thursday Jan 15

 

Sesungguhnya fitnah merupakan satu elemen yang cukup bahaya, apatah lagi fitnah terhadap agama yang boleh menjurus kepada hukum membunuh, kerana al-Quran ada menegaskan bahawa fitnah itu lebih dahsyat daripada pembunuhan.(maksud ayat 191 dan 217 surah al-Baqarah).

amaran

Kota Kinabalu, Malaysia

Thursday Jan 15

 

nahi mungkar itu satu kewajiban.MIRZA perniagaannya tidak jelas ada unsur2 gharar(meragukan). Menipu org ramai kononnya ada lesen dari bank negara tetapi hakikatnya tiada. hanya surat maklumbalas umum sahaja. bukan lesen kebenaran kutip deposit.pendptan dari sales produk2 MIRZA tidak cukup sebenarnya utk memberi pulangan 12.53% sebulan kepada semua pelabur.ada unsur2 menyorok kebenaran di situ. Haram disudut Islam, haram di sudut undang2 sivil. classic case of PONZI Scheme

amaran

Kota Kinabalu, Malaysia

Thursday Jan 15

 

“Syarikat ini boleh kita yakini kerana ia berdaya saing yang baik dan bukan skim cepat kaya dan perniagaan Mirza adalahberasaskan melalui barangan syarikat serta dalam penyiasatan kita akui kemampuan syarikat ini,” katanya(Patrick Sindu).
~Utusan Borneo 30hb November 2008.I smell something fishy…..

Friday Jan 16

 

KOTA KINABALU, Jan 15 (Bernama)– The managing director of an investment company today denied operating a get-rich-quick scheme.
ADVERTISEMENT

Datu Pengiran Awang Binting Pengiran Salleh, whose company Gemilang Mirza Sdn Bhd which was raided by Bank Negara on Tuesday on suspicion of illegal deposit taking and money laundering activities, said his company was based on the profit distribution of sales of the company’s products.

“I forwarded the company concept to Bank Negara and they sent me a letter saying that the sale of my products was under the Domestic Trade and Consumer Affairs Ministry.

“I was also told to be familiar with legal acts regarding the concept of my company and I found that there was no act that says my company concept was illegal,” he told a media conference here today.

Awang Binting also said he referred the company concept to Chief Minister Datuk Seri Musa Aman and was told Gemilang Mirza was an example to other companies in producing more entrepreneurs.

On Tuesday, Bank Negara carried out the raid at the company’s premises in Papar following complaints received from the public.

The company is being investigated under Section 25(1) Banking and Financial Institutions Act 1989 (BAFIA), which carries a fine not exceeding RM10 million or imprisonment for a term not exceeding 10 years or both, and Section 4(1) of Anti-Money Laundering and Anti-Terrorism Financing Act 2001 (AMLATFA), which carries a fine not exceeding RM5 million or imprisonment for a term not exceeding five years or both.

— BERNAMA

projek A

Shah Alam, Malaysia

Friday Jan 16

 

 

Untuk makluman semua forumer, Si Binting ni sebenarnya menjadi korban oleh orang2 pintar disekelilingnya seperti anak2 buahnya dan saudara mara beliau ( termasuk projek D ). Kalau sesiapa yang mengetahui tentang si Binting ni dia tu nak kesat hingus pun tak pandai sebab sekolah setakat darjah 6 aje.

Sekarang kononnya GM ni satu syarikat perkongsian keuntungan. Kalau betul macam tu buatlah permohonan kepada Bank Negara untuk ambil deposit awam tapi tak jugak di minta sebab memang tak dapat kerana niatnya untuk membuat penipuan awam.

Satu perkara yang amat nyata sekali ialah kepada penyimpan disana saya mau tanya adakah kamu diberikan buku akaun atau slip bayar/terima wang kamu disana. Kalau tak ada macamana kamu boleh buang duit kamu begitu banyak disana tanpa sebarang bukti penyimpanan.

Astagafirullah……. matilah kamu orang semua kalau begini.

dR_bangang

Hsinchu, Taiwan

Friday Jan 16

 

Awang binting never failed to amaze me with his severe stupidity.

BNM wrote:

“I forwarded the company concept to Bank Negara and they sent me a letter saying that the sale of my products was under the Domestic Trade and Consumer Affairs Ministry.”

I cant think of anything else of what is more appropriate action of BNM than asking Mua Buntal to refer his ponzi concept to the Domestic Trade and Consumer Affairs Ministry. The sales of any products surely under jurisdiction of this ministry as Gemilang Mirza Sdn. Bhd. isn’t a financial company, neither it is a security company.

BNM wrote:

“I was also told to be familiar with legal acts regarding the concept of my company and I found that there was no act that says my company concept was illegal,” he told a media conference here today.

When you said that there was no act says your company concept was illegal, you just stating how ignorant you’re as a former bus ticket conductor. That’s to say how stupid you’re Awang Binting. As far as deposit taking is concerned – its damn illegal in BAFIA 1989 25 (1).

Honestly, GM is dead. I have no more intention to play with a dead ponzi.

Awang Binting is just a scumbag, a beggar. And those punters who worship Awang Binting are ninkimpoops and predestined to HELL.

project D

“”One for All””

Joined: Sun Jan 4

Comments: 507

Kota Kinabalu, Malaysia

Saturday

 

Investment firm boss threatens to sue BNM

Kota Kinabalu: Gemilang Mirza Sdn Bhd (GMSB) Managing Director Ag Binting Pg Salleh insisted Friday that his company is running a legal business and will take legal action against Bank Negara Malaysia (BNM) for Wednesday’s raid on his Papar office.

He claimed to have necessary documents to prove that relevant government agencies had supported his business.

“Being the founder, the GMSB is running its business legitimately,” he told reporters, Thursday.

BNM raided the GMSB office on suspicion of illegal collection of deposits and money laundering following public complains. Relevant assets and documents were seized for investigations.

The raid was conducted under section 25(1) of the Banking and Financial Institution Act 1989 (BAFIA) and section 4(1) of the Anti-Money Laundering and Anti-Terrorism Financial Act 2001 (AMLATFA).

Section 25(1) of the BAFIA 1989 prohibits any person from receiving, taking or accepting deposits without having a valid license while section 4(1) of AMLATFA 2001 prohibits any person from engaging in, or attempting to engage, or abetting the commission of the money laundering activities.

According to Ag Binting, thousands have benefited from GMSB’s profit sharing concept and none had complained of not receiving dividends since his company began operations.

He reiterated that his company’s activities mainly revolved around producing its own brand of produce and the people were investing jointly on “a profit sharing concept”.

Last year Ag Binting told Daily Express in an interview that GMSB reaped profits of between 50-60 per cent from the sale of their products and Ag Binting said his investors enjoyed profit sharing of between 10-12pc every month.

Ag Binting claimed that at one time GMSB had about 30,000 investors.

However, along the way the number reduced to 25,000.

On the amount, he said people were investing in the region of anywhere from RM5,000 to RM50,000. On how much GMSB had collected from investors, he revealed it was in the region of up to RM3 million.

However, he declined to reveal the amount of money that was reported missing in GMSB’s bank account. He had lodged a report at the Papar police station last Sunday about the missing money.

He said the missing money was an internal matter involving his family and that the case was considered closed.

On how he would face his investors since BNM had frozen all his bank accounts as well as properties, Ag Biniting said he urged all his investors to be clam, patient and understand the situation and problem he faced now.

“After BNM had completed their investigations I promise to find a way to pay back the investors,” he said, showing a book containing signatures of his investors expressing support for him and GMSB.

project D

“”One for All””

Joined: Sun Jan 4

Comments: 507

Kota Kinabalu, Malaysia

Yesterday

 

<post by Bunga>
aku pun setuju. dari dulu aku mengikut perkembangan syarikat ni. dari dia biasa2 saja sampai lah maju dan disokong oleh orang kuat seperti menteri2 di JKM, dari MOF, sampailah MARA dan kem perdagangan. takan lah dorang semua ni x cek latar belakang syarikat ni baik2. kalau mau bagi sokongan kepada apa2 saja suda tentu dorang ni suruh orang2 dia terutama pegawai undang2 dan pegawai perhubungan cek dulu siapa orang ni, apa perniagaannya, adakah perlu dan patut mendapat sokongan daripada pihak berkuasa dll. kalau syarikat ni memang penipu, ertinya kerajaan dan mana2 pihak yang memberi sokongan kepada konsepnya ini memang palui. x orang suka2 bagi kamu sokongan guna letterhead opis lagi tu dan syor ahli peniaga lain mencontohi konsep sesuatu syarikat. kerana pihak berkuasa punya orang dalam telah menyiasat betul2 tentang latar belakang syarikat ini maka dikeluarkan surat sokongan kepada syarikat ini dan mereka juga menyokong konsep ini dan berharap syarikat ini terus membantu masyarakat kita. Lucunya sudah surat2 begini dikeluarkan barulah konon bnm syak syarikat ini membuat kerja2 penipuan seperti apa tu amla, bafla ishh.. istilah2 begini yang menjurus kepada pengganas dan apa haram2 tu. Na, kan kalau dulu bnm dan mana2 pihak menyiasat betul2 syarikat ni memang dari dulu uda ketahuan dia terang2 langgar akta/peraturan/undang2.leceh la mcm ni. syabas GM. kami sentiasa menyokong perjuangan GM ini. mudah2an GM akan terus beroperasi dan membantu masyarakat setempat. Teruskan perjuanganmu. kami sentiasa mengikut perkembangan tentang konsep murni syarikat ni. sakarang bnm pun dah benarkan dorang teruskan operasi cuma menggunakan konsep yang lain pula. mungkin guna konsep di bawah kawalan bnm pulak. sebelum ni GM di bawah kawalan Kem perdagangan so uda tentu GM guna akta yang diterimapakai oleh kementerian ni.

projek A

Shah Alam, Malaysia

23 hrs ago

 

Hehehe hari ni dengar khabar si Binting tarik balik laporannya terhadap Bank Negara Malaysia atas nasihat guaman. Pandai takut jugak si Binting ni, kenapa mau tarik balik laporan selepas siarkan dalam surat khabar. Banggang bettul dia ni lah.

dR_Bangang

Hsinchu, Taiwan

11 hrs ago

 

Blog awangbinting blogspot,com atu indakan ada lagi post baru. Scara rasmi, GM sudah mati pada 13 Jan 2009. Iadi indakan payah lagi dkrapakkan di blog, forum ani pun sudah cukup.

Project D wrote:

Investment firm boss threatens to sue BNM
Kota Kinabalu: Gemilang Mirza Sdn Bhd (GMSB) Managing Director Ag Binting Pg Salleh insisted Friday that his company is running a legal business and will take legal action against Bank Negara Malaysia (BNM) for Wednesday’s raid on his Papar office.
He claimed to have necessary documents to prove that relevant government agencies had supported his business.

Biar kadiaku memperkenalkan satu perkataan undang2 kepada Awg Binting sbg pendidikan kpd bakas konduktor bas ani. Perkataan atu ialah “subjudice”.
Maksud Subjudice: while a matter is under judicial consideration newspaper comment on the case is prohibited because the matter has not yet been decided by the Court and is still debatable.
Awg Binting a.k.a Mua Buntal. Apabila kau ani sadang kana siasat oleh mana2 pihak berkuasa; perkara pertama yang mesti dilakukan ialah ktani harus berdiam diri. Ktani misti manahan diri dari mengeluarkan apa2 kenyataan di newspaper yang mempersoalkan penyiasatan dijalan. Sbarang kata2 mengenai tindakan pihak berkuasa (BNM) atu diistilahkan sebgai “subjudice”. Ia dianggap mengganggu siasatan, kata2mu dipakai balik ibarat boleh makan tuan, sama ia boleh dibuat siasatan tambahan brdasarkan kata2 baru ktani atu.
Jadi sudah tah GM mati, jgn tmbah masalah lagi.

Project D wrote:

“Being the founder, the GMSB is running its business legitimately,” he told reporters, Thursday.
BNM raided the GMSB office on suspicion of illegal collection of deposits and money laundering following public complains. Relevant assets and documents were seized for investigations.
The raid was conducted under section 25(1) of the Banking and Financial Institution Act 1989 (BAFIA) and section 4(1) of the Anti-Money Laundering and Anti-Terrorism Financial Act 2001 (AMLATFA).
Section 25(1) of the BAFIA 1989 prohibits any person from receiving, taking or accepting deposits without having a valid license while section 4(1) of AMLATFA 2001 prohibits any person from engaging in, or attempting to engage, or abetting the commission of the money laundering activities.

Mimang tah GMSB syarikat sah, ia didaftarkan sbagai sykt sdn Bhd. Tapi aktiviti mngambil dposit atu Illegal. Jgn tah ktani cuba2 managakkan bulu palir yang basah. Basah kah karing, mcm spring jua lakat jadinya.

dR_Bangang

Hsinchu, Taiwan

11 hrs ago

 

sambungan lagi…

Project D wrote:

Ag Binting claimed that at one time GMSB had about 30,000 investors.

However, along the way the number reduced to 25,000.

On the amount, he said people were investing in the region of anywhere from RM5,000 to RM50,000. On how much GMSB had collected from investors, he revealed it was in the region of up to RM3 million.

Ani adalah jawapan kenapa GMSB inda dpt mambayar panuh di siring padang atu bebrapa minggu sabalum kana serbu. Plabur baru indada, plabur lama lari >>> INDADA USIN BARU MASUK!!!!!

Tarpaksa kdia mngaluarkan usin sandiri 25k lapas tu bayar maksima 1k sahari…. untk byrn tutup mulut.

dR_Bangang

Hsinchu, Taiwan

11 hrs ago

 

Project D wrote:

However, he declined to reveal the amount of money that was reported missing in GMSB’s bank account. He had lodged a report at the Papar police station last Sunday about the missing money.

He said the missing money was an internal matter involving his family and that the case was considered closed.

On how he would face his investors since BNM had frozen all his bank accounts as well as properties, Ag Biniting said he urged all his investors to be clam, patient and understand the situation and problem he faced now.

“After BNM had completed their investigations I promise to find a way to pay back the investors,” he said, showing a book containing signatures of his investors expressing support for him and GMSB.

Mua buntal inda abis2 kan main wayang.
Mula2 dituduhnya K/tgn PUBLIC BANK Papar menggelapkan usin. Jumlh dirasiakan. Jadi kabar angin brtiup jadi macam taufan. Jumlah damit 5k jadi basar 500k. Jadi 5juta. Ada jumlah gila jadi 5 billion. Buduh punya buntal.

Karangani ilang tia masalah ktgn Bank menggelapkan usin kadia. Masalah kluarga saja. Sudh dislasaikan kunun.

Pling baik, plabur tagih aga tia usin atu krumahnya. Jan tah taim2, pun inda banyak ada jua kana bari dikit2 tu.

dR_Bangang

Lansing, MI

10 hrs ago

 

Project D wrote:

According to Ag Binting, thousands have benefited from GMSB’s profit sharing concept and none had complained of not receiving dividends since his company began operations.

He reiterated that his company’s activities mainly revolved around producing its own

brand of produce and the people were investing jointly on “a profit sharing concept”.

Last year Ag Binting told Daily Express in an interview that GMSB reaped profits of between 50-60 per cent from the sale of their products and Ag Binting said his investors enjoyed profit sharing of between 10-12pc every month.

blajarla lagi pasal profit sharing. “profit sharing” yg ktani buat atu ponzi bah.

salamsalur

Kuala Lumpur, Malaysia

9 hrs ago

 

atutah kau bangang inda abis2 kan manganakan dangan…ngapa kian dangki kau? paduli tia biadia bah…ponzi kah skim capat kaya kah…yg susah bisdia jan urang2 palabur buat apa kau sibuk2 bakurapak sana bakurapak sini amun kau pandai banar ulur tah bantuan kabisdia atu…dang sanak mu jua atu…

salamsalur

Kuala Lumpur, Malaysia

9 hrs ago

 

ani asik2 kan mambalasah sibinting saja gayanya inda puas2. kan dibanding2kan jan pa mantelo sagala macam tah…kau pikir mandangar urang kau bakurapak atu.tai ucing chawirlah!!!.buat ja karajamu karang2 lalai kana sumpah jadi tia karang tungang tabalik kapala sampai inda bakulit!

salamsalur

Kuala Lumpur, Malaysia

9 hrs ago

 

mambaikan sasak ati mun ku taliat bangang ani bah…kau tau bangang aku ani kanal banar bah kadikau.mimang dasar [pandangki mu atu tinggi banar..inda kuasa maliat urang sanang sadikit udah tah kau kalangkabut kan maunjar salah urang.cua kau subuk bah palir mu atu babulu kah atau lagas udah lalai kan mangutuk urang saja!!!!!!!!!!

dR_Bangang

Hsinchu, Taiwan

8 hrs ago

 

Mcm mana mua buntal mangira “untung” stiap bulan?

Bulihkah kira untung stiap bulan?

Dlm syarikat untung bulan2 atu cuma dikira untung projek nyanta.

Jadi hak plabur dimana. Pun suting untung plabur diprojekkan arah tonik rambut, untung plabur yg lain diprojek arah raban ayam mudah alih……

Plabur yg trlibat usin bsidia dlam projek misti tau, atu hak rakan kongsi.

Sama jua pasal hak GMSB. Sebgai salah satu pihak dlam rakan kongsi, sykt mesti ada hak jua kalau rugi ia inda pyah bagi untung….

jadi apa plan rakan kongsi ani?

dR_Bangang

Hsinchu, Taiwan

8 hrs ago

 

jarih bah mua buntal ani.

kamu ingat kdiaku inda tau yang klamari bari 17hb kdia mua buntal ani tarus2 main wayang di bringis atu?

Tau ku nyanta.

Sampai basumpah2 kdia kan mangganti modal plabur sama sdikit emas.

Poooooooooooodahhhhh buntal. Pikirnya sanang kan mambali jongkong amas ani. Special permit diperlukan bah.

Jgntah tani manipu lagi. Kana laknat karang, rumahmu abis kana karajakan

dR_Bangang

Hsinchu, Taiwan

8 hrs ago

 

Project D wrote:

Investment firm boss threatens to sue BNM

Kota Kinabalu: Gemilang Mirza Sdn Bhd (GMSB) Managing Director Ag Binting Pg Salleh insisted Friday that his company is running a legal business and will take legal action against Bank Negara Malaysia (BNM) for Wednesday’s raid on his Papar office.

Ani lagi suting…

Mana suda pangkat “Dato” si mua buntal ani?
Newspaper Daily Express ani manghina raja2 pakah ngapaya?

Ada galar “dato” bah sibinting ani mun ikut caritanya. Hairan jua orang newspaper inda mangambil endah pasal dato nya atu, disabut Awang Binting saja…. kan ktulahan pakah bsidia atu…

salamsalur

Kuala Lumpur, Malaysia

7 hrs ago

 

adeh……bangang lagi2 bikin urang keturunanmu, bangsa barunai atu jua karau..cua kau pikir bah…udah tah tu deh…bangsa barunai inda kau pikir banyak jua miskin, dibinonih atu ramai tia karang urang2 mu marambat lauk siajin…kan dijual ditamu…apa kian indada usin bisdia udah kau blok…hayo…..baik tah kau pun turut maramas lauk siajin

Orang kaya Gadong

 

7 hrs ago

 

mun bankrap pun GM inda hal! balik dah modal ku! senang hatiku sudah! dapat jua beli kereta sebiji
dalam 5 bulan.

dR_Bangang

Hsinchu, Taiwan

6 hrs ago

 

PRQ wrote:

<quoted text>
Berita Harian Pun Hina Raja ker sebab x sebut Dato Seri???

Atutah orang OUM pun inda tau jangan manyampuk. Aga tah cari ponzi supaya ilang usin lagi

1. Dalam kes pak lah, masa ia mula2 jadi PM dulu sudah di persetujui panggilan “Pak Lah” atu akan diteruskan sebagai panggilan.

2. Ketatapan DBP sendiri yg gelaran yang panjang panjang bulih digugurkan dari tajuk penulisan umpamanya penulisan suratkhabar,
TAPI, DIDALAM KANDUNGAN KARANGAN / article content, gelaran hendaklah dikekalkan.

Baca buku banyak2 jan main ponzi saja

dR_Bangang

Hsinchu, Taiwan

6 hrs ago

 

Yang kusoal atu, gelaran dato Awg Binting abis inda kana sabut2 dari tajuk sampai ka titik penamat berita daily express.

Dalam kes camani ani, satu saja sababnya.

“dato” atu inda wujud!

dR_Bangang

Hsinchu, Taiwan

6 hrs ago

 

baggah wrote:

banar ba tu dr bangang…yg sudah melabur karang ani inda tantu ulah, bediri salah duduk pun salah..bila ceta pasal pasal MIRZA kena sita terus kan menapar urang…..usin Di ASB abis d keluarkan usin d tabung aji abis d keluarkan kan pok naik aji cepat tahun depan….

apa inda.

pengetahuan am plabor ponzi ani pun makin sampit sudah.

Baik ktani suruh bsidia baca buku banyak2, tambahkan perbendaharaan kata.

Ani apa.Dari mukasurat 1 forum sampai tia muka terakhir, perkataan “dangki” saja tia yg dikita pandai manulis pun kan balawan krapak.

dR_Bangang

Hsinchu, Taiwan

6 hrs ago

 

Siapa tah yang kan dangki arah mua buntal atu amun kadia banar2 jadi jutawan. Sabut tah orang Binunih yang lain atu. Inda plang ku mangutuk ngian bakar bakas pangarah progressive insurance atu. Inda jua ku mgutuk dangsanak hj Buali….

Kayakah miskin atu rezeki masing2 bah.

Masalahnya bukan atu.

Pun ada orang ktani jadi kaya tiba2 pasal mambuat ponzi, atu wajib ktani malawan, pasal ramai jua yang jarih ujungnya. Pun inda abis usin ktani jua payah. Inda ktani kasian kah liau Usman, babu Limah yang inggut2 bajalan ka siring padang sampai ksana usin inda hada kan diclaim?

Jarih tu. Apa plang badangki2….

Datu Sulu

Kota Kinabalu, Malaysia

6 hrs ago

 

Keluarga si babinting yg ikut2 forum ani pura2 sja kan managakkan palir basah (udah tapancut manakan mau tagak).

Bisdia sangaja kan mancari jalan kaluar & mancungkil idea dari ahli2 forum yg pandai2 mambagi idea.

Sabanarnya di rumah si binting bahamukan bisdia adi baradi.. basalah2an antara bisdia. Ada jua batangisan. Pikir bisdia tarus kana sanjung rupa2ny masuk sajarah dunia sebagai ahli ponzi hina yg terkini d malaysia. Kasian…

Jubur balubang (kana rogol d panjara), mati tabaliak biji mata inda tabayar utang.

dR_Bangang

Hsinchu, Taiwan

5 hrs ago

 

salamsalur wrote:

mun aku jamu bangang indada pulang tapi paradian, paiparan banyak dang sanak ku kapar2 karang ani bah…atu ta jua badidih ati…ku buat2 nyaman rasa ja ni

Sukor tah mun ndada. Yg banar kdiaku pun macam dikta jua. Paiparan, dang sanak, paindungan. Ipar ku saurang atu ada kali 140k antah jua banarkah inda.

Batah sudah bsidia and ditagur inda jua marati plang….

Karangani kapayahan bsidia atu ku liat. Kalamari ada sudah bkuritik kan minjam usin, karita gantung plang. Inda jua ku ingarlah, karang ayam batalur di raban, aku batalur di dahi …

Datu Sulu

Kota Kinabalu, Malaysia

1 hr ago

 

project D wrote:

banarkan saja tia ckp bisdia atu salamsalur..awu kan saja tia..yg penting dan yg ku tau GM ada tindakan untuk menyelesaikan masalahnya sekarang..klu ya kan lari, bila2 masa ja ya mau mun ia kan lari membawa usin(duit) org termasuk duit ku jua ada dlm tu..cuba dorg yg bijak pandai ni sumbangkan pendapat yg baik bantu bumiputera..ani bukan kan mnolong org sendiri, mkondem plang dorg..tapi bersyukur jua pasal ada dorg sekurang2nya GM melihat apa kelemahan yg terdapat pada bisdia..dan tau dah bagaimana cara berniaga yg betul menurut undang2 yg ada d negara kita ni..klu sebelum ni dorg tertakluk pada KPDN pas ni dorg akan berkiblatkan BNM pla..dan terpaksa akur dengan akta2/undang2 BNM..mungkin dividen tak lagi dbayar sebulan sekali..mkin ambil tempoh 6bulan / 10bulan matang baru leh ambil..stail mcm bank (FD)

Klu dri dulu sikap kamu camiani… menerima pandangan org, terutama dr bangang (phd tu mangkali), sekurang2nya ramai yg selamat… skg nasi sudah mjdi bubur. kan nyaman campur bovril… tpi tatap jua bubur…

MARKET SPY

Kuala Lumpur, Malaysia

From another forum…

 

5 hrs ago

 

Hmmm… lama sudah nda masuk sini.. tau-tau sudah kana raid GM ani…. mana tia forumer ahli2 Gm dulu yang nda mau dilarang atu?… kan suda dipadahkan jangan hebah-hebohkan di sini. Nahh kan tekana jua ke mua sendiri… apa can dangan…

kesian tah orang kampung yang melabur ratusan juta ringgit atuu… ada ku dangar… GM tidak simpan duit di bank tapi dalam kotak TV dirumahnya… kalau sudah banyak sangat duit yang masuk sehari manada bank yang sanggup terima. sekarang bukan saja disyaki skim cepat kaya aa lagi tuduhan pembersihan wang haram…. berat tu weiii….

Niat mungkin baik, jalan mungkin betul (pada pikirannya lah) tapi sentiasa waspada kepada pendangki dan pengkhianat melayu. Tidak melayu hilang di dunia ba…. klu ada syarikat lain yang mau buat sama cam Gm ani silakan tapi harus berhati-hati jan sampai kena komplen… jan telampau ambungggg…. bila sudah di atas nda mendangar nasihat orang… kan dah kena beb…

yang sudah untung bolehtah takidum….. tapi apa hal yang baru masuk ratusan ribu tuu.. nangis pun tarak guna ooooo…

ada ku tanya kawan ttg jaminan c binting kalu berlaku kes mcm ani. kawan tu cakap c binting sanggup bayar balik semua modal pelabur. adakah macam atu yang terjadi? kitani tunggu tah kisah selanjutnya….

project D

“”One for All””

Joined: Sun Jan 4

Comments: 510

Kota Kinabalu, Malaysia

41 min ago

 

banar wrote:

Ujian akan terus dihadapi selagi melakukan perniagaan tanpa mengikut saluran..Banyak syarikat seperti ini mengambil deposit org ramai dengan kata kata ingin membantu sesama insan,tetapi bila diambil tindakan menyalahkan bank negara dan kerajaan kerana mengambil tindakan..
Bagi sayalah , kalau betul hendak meniaga dan ada idea perniagaan yang cantik dan berhasrat ingin membantu ummah, kenapa tidak mengikut saluran yang betul..ikut undang undang malaysia tubuhkan KOPERASI..memang boleh ambik deposit..takde BNM nak serbu..tapi lkalau ambik deposit guna nama syarikat memang lah kena..dah de peraturan macamtu..kalau tak macammana kita nak bezakan penipu dgn bukan penipu..semua org bukak syarikat, ambik deposit, lepas tu lari..pelabur gak yang jadi mangsa..
apakah agenda sebenar membuka syarikat untuk ambik deposit orang awam? adakah untuk memperkayakan ummah atau memperkayakan diri sendiri? jalan yang lurus dah ada (dgn tubuhkan koperasi ) kenapa pilih jalan yang bengkok?
fikir fikirkanlah!!!

bagi lah peluang utk mereka membetulkan kesilapan mereka(GM)..klu GM hidup semula..hidup juga harapan petani2 yg melabur, mereka yg buat pinjaman, mereka yg gadai tanah dan sebagainya..urg yg berilmu yg berpengalaman luas dalam perniagaan bantulah mereka..tapi klu yg dengki dan sakit hati mereka tetap jg mahu bumiputera ini jatuh..

Si Gaman

Kota Kinabalu, Malaysia

39 min ago

 

geng..terima la hakikatnya GM sudah bekubur. duit2 yg kmu laburkan takkan kembali lagi. pecayalah.. mulakan hidup baru dengan azam baru d tahun baru 2009.. jangan ulangi kesilapan lalu. selamat tahun baru n selamat tahun baru cina gong xi fa chai…

lambai longon

33 min ago

 

Kepada ahli2 GM, marila kita beri sokongan penuh kpd Dato Awang Binting. Agi idup agi ngalaban!..

local

Kota Kinabalu, Malaysia

7 min ago

 

project D wrote:

<quoted text>
bagaimana nasib GM? harap GM jumpa jalan penyelesaian..

Buluhmas, kotaqwa, KUMB, Koop Birr & bbrp lg tu x jauh beza dgn GM..aset bukan sdkit dgn sokongan ahli.. tapi knape mnrima nsb sbgini? bukan senang mlihat sykt bumiputra memiliki rangkaian Mart hmpir setiap negeri spt buluhmas… adakah ini x mbantu bumiputra?

mmg ada yg mbenci dgn kenyataan ini…tp itulah bumiputra…nak buat camne kan…

 

 KRONOLOGI KEJADIAN MENGENAI GEMILANG MIRZA DALAM BERITA

 

DAILY EXPRESS NEWS


 

 

 

Firm: Funds have gone missing
09 January, 2009
Kota Kinabalu: A Papar-based company involved in an investment scheme has asked police to investigate the disappearance of funds from their bank account.

Papar Police Chief, DSP Nek Zaidi Zakaria confirmed a report was lodged by Gemilang Mirza Sdn Bhd Managing Director Ag Binting Ag Salleh last Sunday.

However, he declined to elaborate, pointing out that investigations have been handed over to the Commercial Crime Investigation Department.

Gemilang Mirza is an investment firm that adopts a business partnership concept, with investors receiving monthly share profits through sales of their own brand of products, Ag Binting said in a Daily Express report last year.

DAILY EXPRESS NEWS


 

 

 

BNM raid Papar investment firm
14 January, 2009
Kota Kinabalu: Bank Negara Malaysia (BNM) has raided the premises of a so-called investment scheme firm, Gemilang Mirza Sdn Bhd, in Papar, on suspicion of illegal collection of deposits and money laundering activities.

According to a statement, BNM stormed the company’s premises, Tuesday, following public complaints. Relevant assets and documents of the company were seized for further investigations.

The raid was conducted under Section 25(1) of the Banking and Financial Institutions Act 1989 (BAFIA) and Section 4(1) of the Anti-Money Laundering and Anti-Terrorism Financing Act 2001 (AMLATFA).

Section 25(1) of the BAFIA 1989 prohibits any person from receiving, taking or accepting deposits without having a valid license while Section 4(1) of AMLATFA 2001 prohibits any person from engaging in, or attempting to engage in, or abetting the commission of money laundering activities.

A person or company found guilty under Section 25(1) of Bafia would be fined not more than RM10 million or jailed not more than 10 years, or both.

On the other hand, the guilty party under Section 4(1) of AMLATFA will be handed a fine not exceeding RM5 million or imprisoned not more than five years, or both.

“The public are advised to be cautious of investment schemes promoted in the Internet, through phone calls or seminars by individuals or companies not licensed or authorised by BNM to accept deposits or to conduct foreign currency dealings,” the statement said.

A list of all licensed institutions authorised to accept deposits is available on BNM’s website at http://www.bnm.gov.my.

Consumer Association of Sabah and Labuan (Cash) Datuk Patrick Sindu recently criticised BNM for not taking serious action against those involved in get-rich-quick schemes in Sabah.

He said it was an open secret that in areas like Beaufort and here, companies have been collecting cash from the public purportedly as investment with the promise of dividends or profits on weekly or monthly basis.

DAILY EXPRESS NEWS


 

 

 

Investment firm boss threatens to sue BNM
17 January, 2009
Kota Kinabalu: Gemilang Mirza Sdn Bhd (GMSB) Managing Director Ag Binting Pg Salleh insisted Friday that his company is running a legal business and will take legal action against Bank Negara Malaysia (BNM) for Wednesday’s raid on his Papar office.

He claimed to have necessary documents to prove that relevant government agencies had supported his business.

“Being the founder, the GMSB is running its business legitimately,” he told reporters, Thursday.

BNM raided the GMSB office on suspicion of illegal collection of deposits and money laundering following public complains. Relevant assets and documents were seized for investigations.

The raid was conducted under section 25(1) of the Banking and Financial Institution Act 1989 (BAFIA) and section 4(1) of the Anti-Money Laundering and Anti-Terrorism Financial Act 2001 (AMLATFA).

Section 25(1) of the BAFIA 1989 prohibits any person from receiving, taking or accepting deposits without having a valid license while section 4(1) of AMLATFA 2001 prohibits any person from engaging in, or attempting to engage, or abetting the commission of the money laundering activities.

According to Ag Binting, thousands have benefited from GMSB’s profit sharing concept and none had complained of not receiving dividends since his company began operations.

He reiterated that his company’s activities mainly revolved around producing its own brand of produce and the people were investing jointly on “a profit sharing concept”.

Last year Ag Binting told Daily Express in an interview that GMSB reaped profits of between 50-60 per cent from the sale of their products and Ag Binting said his investors enjoyed profit sharing of between 10-12pc every month.

Ag Binting claimed that at one time GMSB had about 30,000 investors.

However, along the way the number reduced to 25,000.

On the amount, he said people were investing in the region of anywhere from RM5,000 to RM50,000. On how much GMSB had collected from investors, he revealed it was in the region of up to RM3 million.

However, he declined to reveal the amount of money that was reported missing in GMSB’s bank account. He had lodged a report at the Papar police station last Sunday about the missing money.

He said the missing money was an internal matter involving his family and that the case was considered closed.

On how he would face his investors since BNM had frozen all his bank accounts as well as properties, Ag Biniting said he urged all his investors to be clam, patient and understand the situation and problem he faced now.

“After BNM had completed their investigations I promise to find a way to pay back the investors,” he said, showing a book containing signatures of his investors expressing support for him and GMSB.

 

MY WORD :

ADAKAH GEMILANG MIRZA / AWANG BINTING MAMPU MENGHARUNGI INI SEMUA SESUAI DENGAN PEREDARAN MASA ATAUKAH IANYA AKAN TINGGAL MENJADI SEJARAH.

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

KENYATAAN RASMI KOPERASI TAQWA MALAYSIA BERHAD BERHUBUNG LAPORAN AKHBAR

Posted on 15 January 2009. Filed under: HYIP | Tags: , , , , , , , , |


KENYATAAN RASMI KOPERASI TAQWA MALAYSIA BERHAD BERHUBUNG LAPORAN AKHBAR
Pada 17.12.08 dan 18.12.08 telah disiarkan beberapa laporan berita akhbar tempatan (online dan cetakan biasa) yang mendakwa bahawa segala aktiviti Koperasi Taqwa Malaysia Berhad telah digantung dan akaun Koperasi juga telah dibekukan oleh pihak berkuasa susulan daripada siasatan oleh Suruhanjaya Koperasi ke atas Koperasi Taqwa Malaysia Berhad pada 16.12.2008. Selain itu, melalui laporan akhbar yang disiarkan pihak media terbabit telah menggambarkan atau mendakwa bahawa siasatan tersebut dijalankan akibat daripada aktiviti berunsurkan skim cepat kaya telah dijalankan oleh Koperasi Taqwa Malaysia Berhad.Ambil perhatian bahawa Koperasi Taqwa Malaysia Berhad dengan ini MEMBERI NOTIS bahawa sehingga ke tarikh penyataan ini dibuat, Koperasi Taqwa Malaysia Berhad TIDAK PERNAH menerima sebarang notis dari mana-mana pihak berkuasa dan/atau TIDAK ADA sebarang arahan rasmi yang dikeluarkan berkenaan dengan pembekuan akaun Koperasi atau arahan untuk penggantungan segala aktiviti Koperasi atau tindakan perlucutan jawatan Ahli Lembaga Pengarah Koperasi yang dilantik.

SELANJUTNYA HARAP MAKLUM bahawa tanpa prasangka kepada siasatan yang sedang dijalankan, pihak Koperasi menyangkal setiap dakwaan mengenai penglibatan Koperasi secara langsung dalam aktiviti haram atau aktiviti yang bercanggah dengan mana-mana undang-undang di Malaysia. Sebaliknya kami berpendapat bahawa siasatan tersebut dijalankan kerana ianya dapat membantu pihak berkuasa yang berkaitan dalam meneruskan pendakwaannya terhadap pihak ketiga yang merupakan pihak yang sebenarnya dalam pembabitan aktiviti haram tersebut yang kini masih lagi berjalan di Mahkamah. Malah pihak koperasi juga sentiasa menawarkan kerjasama kami kepada pihak berkuasa terbabit dalam mengumpulkan segala bukti pendakwaannya.

Koperasi juga telah membuat satu laporan polis di Balai Polis Sentul, Kuala Lumpur pada hari ini (18.12.08) diatas dakwaan palsu tersebut dan seterusnya meminta pihak media yang bertanggungjawab memohon maaf secara terbuka kepada kami.

AMBIL PERHATIAN bahawa pihak koperasi memandang serius segala dakwaan yang telah disiarkan kerana ianya telah memberi impak yang besar dan negatif terhadap koperasi dan juga pengurusannya, dan juga menyebabkan terjejasnya aktiviti perniagaan koperasi pada masa ini. Malah ianya juga telah menimbulkan rasa panik dan kekhuatiran serta salah tanggapan kepada anggota-anggota kami.

Maka pihak pengurusan Koperasi Tawa Malaysia Berhad dengan ini memberi NOTIS supaya menghentikan segala dakwaan palsu dan tidak benar tersebut, dan tindakan undang-undang juga akan diambil kepada mana-mana pihak yang ingkar dan juga pihak yang telah menyebarkan kenyataan palsu dan tidak benar tersebut.

Diperbuat pada 18hb Disember, 2008

Sekian, terima kasih.

Yang Benar,

Azmi bin Ramli

Bendahari Kehormat

Koperasi Taqwa Malaysia Berhad.

** Kenyataan Akhbar ini telah difakskan kepada media elektronik dan media cetak utama pada 18/12/2008.

Kemaskini pada 23-12-2008
Read Full Post | Make a Comment ( None so far )

Biro Pengantaraan Kewangan (BPK)

Posted on 14 January 2009. Filed under: Banking, Finance, FOREX | Tags: , , , , , , , , , , , |

Laman Utama > Mengenai kami > Pengenalan


:: Pengenalan

Biro Pengantaraan Kewangan (BPK) adalah sebuah badan bebas yang ditubuhkan bagi membantu menyelesaikan pertikaian di antara anda dengan penyedia perkhidmatan kewangan anda di kalangan ahli-ahli BPK.

BPK menyediakan satu saluran yang percuma, cepat, mudah dan cekap untuk anda mengemukakan pertikaian sebagai alternatif kepada penyelesaian melalui mahkamah. Pertikaian tersebut mungkin berkaitan dengan Perbankan/Kewangan ataupun Insurans dan Takaful

Laman Utama > Perkhidmatan Kami

:: Bagaimana boleh kami bantu?

SKOP

Semua aduan, pertikaian dan tuntutan selain daripada yang tedapat dalam senarai pengecualian. Kes-kes yang yang diterima meliputi, antara lain, pertikaian yang berikut :

  • Pinjaman Peribadi atau Pembiayaan Peribadi-i
  • Pinjaman Perumahan atau Pembiayaan Perumahan-i
  • Mesin Teler Automatik (ATM)
  • Mesin Simpanan Tunai
  • Kad Kredit/Caj atau Kad Kredit –i/Caj-i
  • Sewa Beli atau Sewa Beli-i
  • Akaun Simpanan atau Akaun Simpanan-i
  • Akaun Semasa atau Akaun Semasa-i
  • Deposit Tetap atau Akaun Pelaburan Am-i/
    Khas-i/Spesifik-i
  • Kiriman Wang
  • Perbankan Elektronik
  • Perbankan Internet

Bagi pertikaian yang melibatkan insurans dan takaful, BPK boleh membantu menyelesaikan pertikaian di antara pemegang polisi, pemegang sijil atau pihak yang membuat tuntutan dengan syarikat insurans atau pengendali takaful mereka mahupun pihak ketiga.

BIDANG KUASA

Bagi aduan, pertikaian atau tuntutan yang melibatkan kerugian kewangan, amaun yang dituntut tidak boleh melebihi :

Berkaitan dengan perbankan/kewangan :

RM100,000 (kecuali bagi kes penipuan yang melibatkan instrumen pembayaran, kad kredit, kad caj, kad ATM dan cek yang melibatkan amaun tidak melebihi RM25,000)

Berkaitan dengan insurans/takaful :

RM200,000 (Insurans/takaful motor dan kebakaran) RM100,000 (lain-lain) RM5,000 (kerosakan harta pihak ketiga)

PENGECUALIAN

BPK tidak akan mempertimbangkan aduan, pertikaian atau tuntutan mengenai penentuan harga umum, dasar produk/perkhidmatan ahli, keputusan kredit (kelulusan, penolakan dan penjadualan semula pinjaman), kes-kes penipuan (selain daripada kes-kes penipuan yang melibatkan instrumen pembayaran, kad kredit, kad caj, kad ATM dan cek bagi amaun tidak melebihi RM25,000), kes-kes yang melebihi had masa yang dibenarkan oleh undang-undang atau enam tahun dan kes-kes yang telah dibawa atau dirujuk ke mahkamah dan/atau penimbangtaraan.

IMPAK

Keputusan BPK wajib dipatuhi oleh penyedia perkhidmatan kewangan tetapi pengadu tidak wajib mematuhinya

Laman Utama > Aduan

:: Bagaimana membuat aduan?

Bagaimana Membuat Aduan Terhadap Penyedia Perkhidmatan Kewangan :

Laman Utama > Soalan Lazim

Senarai soalan lazim :

Laman Utama > Pautan

:: Pautan-pautan Utama yang Berkaitan

(Kami sering menyemak semua pautan ke laman web luar, namun kami tidak dapat memberi jaminan terhadap laman-laman web tersebut serta tidak bertanggungjawab terhadap kandungannya)

Maklumat Ahli

Ahli-ahli BPK adalah seperti yang di bawah. Anda boleh mendapatkan maklumat mengenai ahli-ahli BPK dengan mengklik pautan di bawah :

Penafian
Hakcipta © Biro Pengantaraan Kewangan.
Semua Hakcipta Terpelihara.

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

emel kemusykilan Gemilang Mirza kepada JAKIM

Posted on 12 January 2009. Filed under: ceramah agama, Finance, HYIP, Pelaburan | Tags: , , , , , , |

.

Nama

:

.

Jefri Abd Rahman.

 

E-Mel

:

 

zeff1926@oum.edu.my.

 

Kategori

:

 

SYARIAH


SUB KATEGORI
Muamalat – –Sila Pilih–


 

Tarikh Hantar Soalan

:

 

14/07/2008 10:13 AM

 

Soalan

:

 

Assalamualaikum wbt, saya ada persoalan tentang satu pelaburan MIRZA atau Gemilang Mirza yang menawarkan keuntungan tetap 35 peratus sebulan selama 6 bulan. Pada mulanya saya memang tertarik dengan pelaburan tersebut yang memang menguntungkan pelabur tetapi apabila seorang ustaz mengatakan pada saya bahawa pelaburan tersebut mempunyai unsur-unsur riba dan saya keliru tentangh unsur riba.. boleh jelaskan.Terima kasih..

 

Jawapan

:

 

Pelaburan adalah satu elemen dalam perniagaan. Mana-mana pelaburan yang hendak disertai mestilah berasaskan kepada syarat-syarat seperti berikut: i. Ada akad yang jelas. ii. Tempat pelaburan yang tidak bercanggah dengan hukum syarak. iii.Tiada unsur-unsur riba. iv. Tiada unsur-unsur penipuan. v. Tiada unsur-unsur penindasan. vi. Tiada unsur-unsur penyelewengan. Apabila pelaburan memenuhi syarat-syarat seperti yang ditetapkan di atas maka ia diharuskan.

Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia kali ke -77 pada 10-12 April 2007 telah memutuskan bahawa sebarang bentuk pelaburan yang menjamin keuntungan secara tetap seperti yang ditawarkan oleh beberapa syarikat pelaburan dalam dan luar negara adalah haram kerana ia mengandungi unsur-unsur tersebut seperti tempat pelaburan dan perjanjian keuntungan kerana keuntungan yang diperolehi oleh pelabur mesti mengikut naik turun keuntungan perniagaan dan kerugian syarikat.

.

 

Status

:

 

Selesai – Paparan Web.

.

Nombor Rujukan

:

 

Asmhn 140708

 

Tarikh Selesai

:

 

14/07/2008 11:41 AM

 


Nota:
1. Jawapan kepada soalan disediakan oleh Panel Kemusykilan Agama, JAKIM
2. Setiap borang yang dihantar hendaklah mengandungi hanya satu soalan sahaja.
3. Jawapan yang diberi adalah berdasarkan Mazhab Shafie kecuali dinyatakan sebaliknya

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

High Yield Investment Program

Posted on 27 December 2008. Filed under: Uncategorized | Tags: , , , , , , |

High-yield investment program

From Wikipedia, the free encyclopedia

Jump to: navigation, search

A High-Yield Investment Program (HYIP) is a type of Ponzi Scheme, which is an investment scam. At one time, ‘HYIP’ was used in the financial services sector to refer to an investment program which may have offered a high return on investment. The term “HYIP” was abused by the operators of scams to camouflage their scams as legitimate investments. Due to this overuse by the operators, HYIP has become synonymous with scam or Ponzi scheme. The usage of the term has evolved to refer to a kind of Ponzi scheme that recruits “investors” through the Internet. Due to the widespread abuse of this term by Internet Ponzi schemes, reputable financial services no longer label themselves as “High Yield Investment Programs”.

Contents

[hide]

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

[edit] Overview

HYIP operators generally setup a website offering an “investment program” with returns as high as 45% per month or 6% A day that discloses little or no detail about the underlying management, location, or other aspects of how money is to be invested because no money is invested. They often use vague explanations, asserting little more than that they do different types of trading on various stock markets or exchanges to generate the returns they purport. The SEC has said the following on the matter: “These fraudulent schemes involve the purported issuance, trading, or use of so-called ‘prime’ bank, ‘prime’ European bank or ‘prime’ world bank financial instruments, or other ‘high yield investment programs.’ (‘HYIP’s) The fraud artists… seek to mislead investors by suggesting that well regarded and financially sound institutions participate in these bogus programs.”[1]

Some investigators believe that the majority of HYIPs are Ponzi schemes, in which new participants provide the cash to pay a profit into existing investors’ accounts. However, as there are no formal statistics available about the HYIP sector, much of the material in this article is based on anecdote and conjecture.

HYIPs are able to succeed in collecting large sums of money for the operators by using the classic Ponzi scheme method of using second and third tier investments to pay principal and interest back to the first tier investors. This is continued for the first several tiers, generating positive word of mouth advertising for the scheme. HYIPs may also mirror Pyramid Schemes by offering current investors incentive commissions, for example 9% of current investment, to recruit new investors.

The introduction of e-currencies in the late 1990s made it easier for HYIPs to operate on the Internet and across international boundaries, and to accept large numbers of small payments. HYIPs usually accept payments by either e-currency, like e-gold, and INTGold (now defunct), or use specialist third party payment processors like SolidTrustPay, CEPTrust, TriStarMoneyChangers and StormPay.

The largest documented HYIP scam was OSGold, founded as an e-gold imitation in 2001 by David Reed. OSGold folded in 2002. According to a lawsuit filed in U.S. District Court in early 2005, the operators of OSGold may have made off with USD $250 million[2].

CNet reported that:

At the height of its popularity, the OSGold currency boasted more than 60,000 accounts created by people drawn to promises of “high yield” investments that would provide guaranteed monthly returns of 30 percent to 45 percent.[2]

The second largest documented HYIP was PIPS (People in Profit System or Pure Investors).[3][4] The investment scheme was started by Bryan Marsden in early 2004, according to the Wayback Machine record of pureinvestor.com, and spanned more than 20 countries. PIPS was investigated by Bank Negara Malaysia in 2005 which resulted in Marsden and his wife being charged in a Malaysian court with 97 counts of money laundering more than 77 million RM, equivalent to $20 million.[5] Even after these charges were brought forth, many of Marsden’s followers and investors continued to support him and believe they would see their money in the future. This type of rationalization and denial can often be seen on many HYIP forums.

[edit] HYIP games

As a result of online forums and monitoring sites which have made HYIP investors more aware of their nature, some HYIP operators promote their programs as a “ponzi-structured game” where one should “not invest money one cannot afford to lose”, and where there is “never a guarantee of earnings or refunds”. They promise to pay out up to, for example, 95% of deposits, the rest going to hosting or other fees and the owner’s profit.

In such “games”, the first participants (“investors”) may make a good profit and are encouraged to refer other people to the program because of referral commission, the fact that they have already made back their principal and are playing with profit, and that the more people who deposit money, the more money can be paid out to participants. In theory, strategies can be developed to maximize profit using these games (but, of course, since this is a zero-sum game, such strategies work by taking advantage of ignorance or errors by others). Some forum users may gain a reputation whereby others will trust their word that they have been able to withdraw their profits, encouraging others to invest in the hopes that more will invest after them and that they can therefore make a profit. As these games are by definition Ponzi schemes, it is inevitable that the majority of participants who are not at the top of the pyramid will lose their money.

These “games” might be considered as lotteries. However, the odds of winning cannot be determined, as one cannot know whether one is playing early enough to win money (that is, whether a sufficient number of new participants will follow). Thus, these activities are unlike a lottery or other forms of regulated gambling, where a participant has an equal chance of winning no matter when a ticket is bought, or where the odds of the game are known.

HYIP programs generally appeal to the same kind of person who is attracted to gambling. Like gambling, HYIP “games” are a way of separating the participant from his money, while offering a small chance of making a profit. This accounts for their rapid proliferation.

[edit] HYIP monitors

HYIP monitors, or HYIP listing/rating sites, are personal or commercial websites that list and/or promote HYIPs for referral commissions. The monitor charges each HYIP a listing fee which is usually then invested into that program, although there exist free listings and occasionally monitors which invest their own money. The monitor then labels the HYIP as “Paying” or “Not paying/Scam” depending on whether interest is received within the terms specified by the program. Monitors also allow other HYIP investors to rate and comment on the programs, based on factors such as promptness of payouts and responsiveness of the HYIP administrator. Programs with higher ratings achieve higher rankings on the monitor sites, which coupled with a “Paying” status may entice more investors who rely on the monitor.

In some cases, HYIPs may only pay monitor sites to keep their “Paying” status visible, but do not pay other investors. As HYIP monitors are not affiliated with the HYIPs themselves, they are unable to prevent investors from being scammed; they neither help to recover lost funds nor track down the scammers. Promoting or perpetuating Ponzi schemes is a criminal offense punishable by jail terms or fines in most countries. That the monitor sites place disclaimers saying that they “do not promote the programs advertised on their website” does not absolve them from criminal liability.[citation needed]

In order to generate a “paying” status early (so that future visitors will see it) and maintain it for the longest possible time, newly opened HYIPs list their site quickly as well as constantly pay monitors their interest on time. Added to the fact that many monitors invest the listing “fee”, and that a commission is received on each deposit made by people who visit the HYIP via the monitor, they are the most likely to profit when a program runs out of funds.

HYIP owners can manipulate monitors and forums, by paying people to comment positively or by using a range of IP addresses or proxy servers in different locations so that “paying” votes appear to come from around the world. This allows the HYIP to rise up the rankings more quickly than others, giving participants a false sense of security. Additionally, even if they know it will scam in the future, some participants will also rate new HYIPs positively until the HYIP stops paying, because they want more people to invest after them in the hopes that the program will last longer. Future scammers can also build up a good reputation on forums for a large payoff once most forum members trust them.

Martin L. Mitchell, The one who appears as representative of the fraudulent company TradElite.net, was too Director since April 2004. Previously served as Director of MSB Financial, Inc. and Marshall Savings Bank, F.S.B. from 1987 to 2004. In 2004, Dr. Mitchell became President and Chief Executive Officer of Starr Commonwealth, a non-profit organization serving youth and their families with campuses in Albion, Battle Creek and Detroit, Michigan and Columbus and Van Wert, Ohio. Previously he was Executive Vice President and Chief Operations Officer 2002-2004, Vice President and COO 1999-2002, and Vice President of Program from 1981-1999. Dr. Mitchell has served on the Board of Directors of Olivet College, Olivet Michigan since 1995. Registrant:

   [Tradelite Finance Corp.]
   Martin Mitchell        (tradelitenet@gmail.com)
   Century Plaza Office Tower
   Office Nr.7, 20th floor
   Panama City
   Panama,001
   PA
   Tel. +507.2021589
   Fax. +507.9963177

Creation Date: 18-Oct-2007

Expiration Date: 18-Oct-2012

That is the group of swindlers under the tutelage of Dr. Martin l. Mitchell

LIZKA VILLALOBOS; DANIEL ISAAC CHI; JENITZEL ACOSTA Título del Dignatario Nombre del Dignatario: PRESIDENTE: LIZKA VILLALOBOS; TESORERO: DANIEL ISAAC CHI ; SECRETARIO: JENITZEL ACOSTA
Many monitors appear only to make certain programs more acceptable and trustworthy.

[edit] Mechanics

Though Ponzis and HYIP schemes have thrived and multiplied since at least the early 1900s, the combination of the Internet and Electronic money has played an important role in the rapid growth of HYIP’s in the first decade of the 21st century. Like many businesses with a narrow niche market, the Internet has enabled HYIP scammers to find a global market of people who demonstrate by their behavior that they “want to be scammed”. Somewhat similar to the poor person who spends a large percentage of their income on lottery tickets in hopes of striking it rich, HYIP participants invest money in a “company” in a foreign country that offers returns that are “too good to be true”, that publishes no verifying information, and has no way of being held accountable.

The use of digital payments systems has made it much easier for operators of such websites to accept payments from people worldwide[6]. Electronic Money systems are generally accepted by HYIP operators because that is the only payment system to which they have access. Acceptance of credit cards and ACH would give them access to a far larger pool of prospective victims, but the difficulty of opening a merchant processing account while hiding their identity prevents them from doing so.

Once the HYIP operator has received the payment, it is difficult and costly to track them down across several national borders. This would be the case regardless of whether regular banks or electronic money was used.

While some HYIP operators exploited this weakness, several digital currency companies responded by taking measures to discourage their system from being used for HYIPs. Certain HYIP operators, such as David Reed, opened digital currency companies serving the HYIP niche. Examples of payment systems started by HYIP operators that eventually folded include Standard Reserve, OSGold, INTGold, EvoCash and most recently EMO Corp[7]. StormPay was started in the same way in 2002, but has remained in business even though the HYIP that is was created to serve was shut down by the State of Tennessee[8].

The preference of HYIP operators for e-gold may be because other digital currencies run by HYIP operators that catered to the HYIP niche (see above), have folded, as the operators have made off with the deposits. That is to say, HYIP operators don’t trust each other, but they do trust e-gold, which has remained a stable and reliable payment system for over 12 years.

HYIPs have often been started under the guise of companies. Some have gone so far as to actually incorporate their company in countries with lax fraud laws. Due to these locations, operators may be effectively immune to normal laws that would protect an “investor” in that investor’s country. The operators have been known to host their website with a webhost that offers “anonymous hosting”. They will use this website to accept transactions from participants in the scheme.[9] The HYIP scam may also create sites which employ spamdexing or other adversarial information retrieval techniques in order to attract potential victims by creating an impression that the company has done no wrong. HYIP Monitors are one such example.

Because the amount of money “lost” by a given HYIP participant is generally quite small, and that the nature of the scam is relatively obvious, government task forces on Internet crime do not generally give them high priority.

[edit] Rationalizations

Often HYIPs will claim that they make money through non-existent yet plausible means, playing to people’s gullibility or ignorance on the subject. In the case of the prime bank scam, many people were led to believe that they were buying banknotes in a clandestine organization called prime bank. Other HYIP scams claim that they use special software or algorithms that have the ability to forecast markets in order to make money.[10]

[edit] Social aspects

HYIPs generally appeal to emotions of investors who are looking to “get something for nothing”. Unfortunately, often those who play become part of the scam. They are encouraged to promote it in order to receive payment on their investment. In this aspect, it mirrors a Pyramid scheme in that users must recruit others in order to profit.

[edit] HYIPs indicted or under investigation

[edit] See also

[edit] References

[edit] External links

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

Who is Bernard Madoff?

Posted on 27 December 2008. Filed under: Uncategorized | Tags: , , , , , , , , , , , |

December 15, 2008

Who is Bernard Madoff?

His career made him a Wall Street legend; his downfall will seal his notoriety

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

DINAR EMAS

Posted on 4 November 2008. Filed under: Banking, Finance, Perbankkan | Tags: , , , , , , , , , , |

Former Malaysian Prime Minister, Tun Dr Mahath...

Image via Wikipedia

DINAR EMAS

|
1. Ramai juga yang bertanya berkenaan Dinar Emas termasuk juga BBC yang mengadakan wawancara dengan saya baru-baru ini.

2. Apa yang sudah jadi kenyataan yang tidak lagi dapat dinafi oleh negara-negara di dunia ialah sistem kewangan yang ada sekarang sudah gagal untuk diguna dalam ekonomi dan dagangan baik dalam negeri atau antarabangsa.

3. Keputusan Bretton-Woods selepas Perang Dunia Kedua ialah semua matawang negara di dunia ditentukan nilainya mengikut nilai tukaran dengan matawang Amerika Syarikat.

4. Tetapi di tentukan juga yang nilai Dolar Amerika ialah sebanyak 35 Dollar untuk satu ouns emas. Ini bermakna secara tidak langsung semua matawang dinilai mengikut sekian banyak emas.

5. Di masa itu semua matawang adalah kukuh. Tetapi Britain, pada tahun 1966 telah turunkan nilai Pound British. Malaysia telah rugi banyak kerana simpanan (reserve) kita adalah dalam matawang Pound. Pada satu masa Pound yang bernilai Ringgit Malaysia 8.30 telah turun kepada Ringgit Malaysia 3.60.

6. Kemudian Presiden Richard Nixon membuat keputusan bahawa Dollar Amerika tidak lagi terikat dengan emas. Amerika telah tolak apa yang dipanggil sebagai “Gold Standard“. Amerika juga memutuskan bahawa pasaran akan tentukan nilai Dolar Amerika.

7. Tetapi negara-negara lain masih percaya akan kekuatan ekonomi Amerika dan meneruskan ikatan nilai matawang mereka dengan Dollar.

8. Satu lagi keputusan dunia antarabangsa ialah nilai dagangan antarabangsa ditentukan dengan nilai Dollar Amerika dan bayaran juga dibuat dengan Dollar Amerika. Ini menyebabkan permintaan bagi Dollar Amerika menjadi kuat dan sekali gus menjamin nilai Dollar Amerika tidak jatuh walaupun tidak lagi diukur dengan sekian banyak emas.

9. Pada satu masa dahulu bank besar dibenarkan mencetak dan mengeluarkan “Bank Notes” sebagai wang yang sah dipergunakan. Kemudian pemerintah mengambil alih pengeluaran matawang.

10. Bank mengeluarkan pinjaman daripada modal dan deposit oleh pelanggan. Kadang-kadang jumlah pinjaman melebihi wang yang ada dalam bank. Tetapi ini dihadkan. Walaupun demikian pinjaman yang dikeluarkan kerap kali jauh lebih banyak dari had yang ditentukan.

11. Apabila pendeposit mengeluarkan simpanan mereka beramai-ramai maka bank tidak mampu untuk membayar balik kepada pendeposit kerana semua wang telah diberi pinjam bahkan lebih daripada itu. Dalam keadaan ini bank mesti di selamatkan (bail-out) oleh Kerajaan.

12. Melihat bahawa bank boleh mengeluarkan pinjaman hampir tanpa had (unlimited) maka penyangak pun merancang untuk guna duit bank yang tidak terhad ini untuk meraih keuntungan atas angin. Maka berlakulah dagangan matawang, pinjaman kepada peminjam yang keupayaan membayar tidak terjamin, penjualan pinjaman yang dikeluarkan oleh bank kepada syarikat insurans dan syarikat gadaian (mortgage company) dan lain-lain. Jumlah semua transaksi ini amat besar, bernilai berbilion dolar. Apabila ramai peminjam tidak dapat bayar hutang atau servis hutang, maka mereka yang membeli pinjaman bank dapati mereka akan rugi berbilion dolar.

13. Dan banyak lagilah penyalahgunaan sistem bank Barat yang dilakukan. Demikian Amerika dengan kekayaannya yang besar sekalipun tidak dapat menampung berbilion dolar kerugian oleh bank, syarikat, insuran, syarikat mortgage, hedge funds, merchant dan investment bank dan lain-lain.

14. Sesungguhnya sistem bank dan matawang Barat sudah gagal. Dunia harus kaji untuk menggantinya dengan sistem lain termasuk perbankan Islam dan dagangan dengan matawang khusus seperti Dinar Emas.

15. Tidak seperti duit kertas emas tetap mempunyai nilai dimana-mana dalam dunia. Dinar Emas dicadang hanya untuk menyelesaikan bayaran dagangan antarabangsa.

16. Apakah ada cukup emas dalam dunia untuk dijadikan wang antrabangsa? Sudah tentu tidak.

17. Tetapi kita tidak perlu bayar dengan dinar emas sepenuhnya. Memadai jika kita bayar cuma lebihan antara import-eksport antara dua buah negara.

18. Jika sebuah negara mengeksport 100 juta Dinar kepada sebuah negara lain dan negara itu pula mengeksport kepada negara pertama barangan atau khidmat yang bernilai 110 juta Dinar, maka bayaran yang harus dibuat oleh Bank Negara negara yang pertama hanyalah 10 juta Dinar emas. Jika tidak ada Dinar Emas yang mencukupi maka bayaran boleh dibuat kemudian dengan eksport bernilai 10 juta Dinar.

19. Kita bukan sahaja boleh ada dagangan antara dua buah negara tetapi antara beberapa buah negara. Sebenarnya bank-bank mengguna cara ini untuk menyelesaikan bayaran cheque kepada beberapa bank yang telah terima dan mengeluarkan bayaran berasas kepada cheque lain-lain bank.

20. Sudah tentu akan ada banyak masalah pada permulaan. Tetapi pakar-pakar boleh cari jalan untuk selesaikan atau atasi kelemahan sistem Dinar Emas ini.

21. Bank Negara Malaysia pernah runding dengan sebuah negara lain dan penggunaan Dinar Emas memang boleh dilaksanakan. Tetapi entah kenapa Bank Negara Malaysia tidak dapat menjayakan sistem ini.

sumber dari : http://test.chedet.com/che_det/

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

Siapa punya kad ni? : American Express Platinum

Posted on 29 October 2008. Filed under: Banking, Finance, Perbankkan | Tags: , , , , , , , , , |

Benefits

  • No pre-set spending limit. Spend as much as you have shown you can afford, by just paying your account in full and on time each month. Charges will be approved based on your resources, spending and payment patterns
  • Exceptional Platinum Card Service, available anytime at 1-800-88-0886, that includes roadside assistance, emergency home repairs, worldwide gift selection and delivery, and more
  • Complimentary additional Platinum card, so you can separate your business and personal expenditure
  • Earn free flights. The Frequent Traveller Option lets you transfer your points to Frequent Flyer Programmes
  • Easy bill payments via Maybank2u, by cash at over 400 Maybank branches, Maybank ATMS, Cash Deposit Machines, Direct Debit Service, or by cheque via mail
  • Travel Accident Insurance of up to RM500,000 when you charge your travel tickets in full to your card
  • Enjoy cheque cashing of up to USD2,000 in cash, card replacement, worldwide travel, legal and medical assistance in the event of emergencies

Who can apply?

  • By invitation only

Fees & charges

Annual Fees

Principal cardholder: RM2380
Supplementary cardholder: Free (up to 4 cards)

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

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