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27 August, 2010

Dinar Emas

About Public Gold

Public Gold is the brand name of Public Fine Gold International Sdn Bhd (“PFGI”). PFGI was set up with the intention to buy and sell physical Public Gold bar and coin at international market gold price. PFGI operates a fully integrated physical gold exchange centre that includes a physical trading system and a platform developed by our own in house IT expert. It allows customers to receive live gold prices (24 hours a day) and to place buy-and-sell orders relating to physical gold trading procedures. The business can also be conducted with our bullion dealers via telephone.

A One-Stop Business Centre for Making, Trading and Storing Gold.

Under the Public Gold Group, our main activities consist of:
  1. Minting and refining
  2. Conducting a Gold Exchange Centre
  3. Gold trading operations
  4. Providing safe keeping facilities
Our ability to provide an extensive range of capabilities also puts us in a unique position as the first Malaysian company able to:
  1. Operate a private physical gold trading centre
  2. Provide a fully integrated minting facility under one roof.
We have been recognized by the Malaysian Book of Records to be the first Malaysian company to produce certified gold bullion bar locally. Minted in 999.9 to a thousand parts pure gold, Public Gold offers a stable store of value with potential for capital appreciation over time. And most importantly, this gold is tradable at the market. View today’s Gold Market Rate

To reinforce Public Gold’s high standards of gold purity we also engage an independent assaying facility to conduct testing and certification of all our gold products.

To further strengthen Public Gold’s position in the gold trading business, the group has obtained clearance letters from Bank Negara Malaysia and the Monetary Authority of Singapore allowing our company to mint and trade in gold especially gold bars and gold coins. Both of these are marketed under our very own trademarks; Public Gold, and Public Dinar.

About Gold

The Precious Metal Gold

“We have gold because we cannot trust Governments.” President Herbert Hoover

Gold is a chemical
element which can only be found and not manufactured. Gold is known for its
rarity, softness, density and good in electrical conductivity.   Until today, a total of 161,000 tonnes of
gold have been mined in human history, as of 2009 (National Geographic:
"The Real Price of Gold" by Brook Larmer). This is roughly equivalent
to 5.175 billion troy ounces. The following are some gold's characteristic:
Chemical symbol: Au
Atomic no.: 79

Atomic weight: 196.967
Specific gravity: 19.32
Tensile strength: 11.9
Melting point: 1,063 degree

Hardness (Brinell): 25

Karat Gold

Karat is a measurement of
the purity of gold in an alloy. Each karat represents a ratio of 1/24

­purity, indicating how many parts out of 24 are pure. Therefore, 24
karat gold is pure, while 18 karat gold is ¾ gold and ¼ alloy (Dictionary of
international trade: handbook of the global trade community by
Edward G. Hinkelman). Below are some example common used in bullion: -
  • 24-karat = 0.995 to 0.000 pure (fine)gold
  • 22-karat = 0.916 pure (fine) gold
  • 18-karat = 0.750 pure (fine) gold 
  • 14-karat = 0.583 pure (fine) gold
  • 10-karat = 0.4167 pure (fine) gold
The ABCs of Gold Investing "How to Protect and Build Your Wealth With Gold"
Second Edition - Michael J. Kosares

 Gold Weights and Measures

By tradition gold is quoted and traded in troy ounces, these
having been adopted by the U.S. Mint for the regulation of coinage in 1828.
Unlike 'normal' pounds and ounces there are 12 troy ounces to the troy pound
rather than 16.  But a troy pound weighs less than in imperial pound (0.82
British/US pounds). 
Cutting through all that nonsense a troy ounce is
approximately 0.031kg or 31 grams. 

The following gives an approximate conversion between
traditional and metric weights.
         Troy Ounce        



 1  0.031104 31.104
 12  0.37325  373.25
 32.150  1.000 1000


Gold is Money

All of today currencies are fiat currencies. Fiat currency is defines as not represent anything tangible but are only worth something due to government decree (namely legal tender laws). In the book "Principles of Economics" written by N. Gregory mention that Fiat money, such as paper dollars, is money without intrinsic value: It would be worthless if it were not used as money."
"We have gold because we cannot trust Governments."
-          President Herbert Hoover
On the other hand, gold are the currency which not created and controlled by governments. Gold was once the main currency in most of Europe, Asia and Americans for the past few thousand years which up to 1971. Gold which evolved independently as money in the word's main civilization due to the following reasons:
1.  Rare
The amount of mined gold has increased only slowly, rarely more than 2% per year. 
2. Durability
Gold won't rot, break, crumble, decay, corrode or tarnish. Gold is unaffected by air, water, and even most acids.
3.  Compact
If all the gold ever mined were made into a single cube. Its edge would be 20 meters. Not quite enough to cover a single tennis court. (
4.  Divisibility
Easily reshape it, flatten it, and divide it into tiny pieces.
"The modern mind dislikes gold because it blurts out unpleasant truths."
-          Joseph Schumpeter (1883 - 1950)
From 1934 to 1971, government currencies were backed by gold. This defined which at any time, you able to exchange a unit of any of the world's main government currencies for a prescribed amount of gold. For an example, you could exchange 35 US dollar for one ounce of gold. But in 1971, President Richard Nixon abandoned the Bretton Woods Agreement, devalued the dollar, raised the fixed price of gold fictitiously to $37.50, and slammed shut the gold window to stop an international run on the U.S. gold reserve. This is when the fiat currency started.
Examples of other fiat currencies include:
1.   Chinese bark currency (notes printed on tree bark, as recorded by Marco Polo), 1260 - 1360. One of the earliest fiat currencies, ended in hyperinflation.
2.   Banque Royale Notes in France, the ‘Mississippi system' (designed by John Law). Issued in 1716. Collapsed worth nothing by 1720.
3.   Continental bills, printed by the US Congress during the American Revolution. Began issue in 1775, shrank to 1/40 of their original value by 1780. Hence the saying ‘not worth a Continental'.
4.   Assignats in France during the French Revolution. Issued 1790-1796, collapsed to 1/600 of their original value by 1797.
5.   Marks in Weimar Germany, after WWI. Issued from 1919 to 1924, collapsed to three trillionths of their original value. This was the currency that was carried in wheelbarrows towards the end. 
Hence from an historical perspective, the only question is how quickly the US dollar loses value, not whether it will continue to lose value. Until the 1971, a US dollar was worth 1/35 of an ounce of gold. But right till today the gold is about 1/1000 of an ounce of gold (

Another example, in Vietnam, gold plays an important role in the purchase of a home. From the moment a buyer and seller agree on a price to the day the paperwork and sale are completed takes a month or longer. During this time, the value of the Vietnamese currency may have fallen sharply, as the current rate of currency depreciation in that country is very rapid. Accordingly, the buyer will arrange financing with a bank not in terms of the Vietnamese dong, but in gold, which holds its value in terms of purchasing power. This arrangement means the buyer will still have enough to pay the agreed price when the sale is consummated (
Gold Historical Timeline

Significant Events and the Price of Gold in the Last 50 Years
1961: The London Gold Pool was established; U.S. central banks and seven nations agreed to buy and sell gold to support the $35 per troy ounce price established on January 31, 1934
1968: The London Gold Pool was discontinued; the two-tier gold price was established – one tier was for official monetary transactions, the other for open-market transactions
1968: Zurich Gold Pool, a buying cartel created by key Swiss banks, is established, giving Switzerland its dominant financial position in the market
1969: Gold Exchange of Singapore opens; serves as a very important link between Far East countries and London
1971: U.S. President suspends convertibility of dollar into gold; dollar devalued by 7.9%
1973: Official U.S. gold price increased to $42.22 per/oz.; US dollar devalued; two-tier gold price terminated; Organization of Petroleum Exporting Countries (OPEC) oil embargo begins
1974: Hong Kong gold market booms; government restrictions on imports lifted
1975: U.S. citizens allowed to hold gold bullion and gold coins for the first time in 40 years
1978: Middle Eastern investors increase gold purchases with oil profits
1980: Gold price peaks at an historic daily high on January 21
1987: Birth of the London Bullion Market Association (LBMA) establishing criteria for refiners and guaranteeing quality of gold bullion bars throughout the world
1989-1991: Conflict in Persian Gulf; collapse of Soviet Union marking end of Cold War; weak economic growth worldwide
1997-1998: Central Banks of several countries sell large quantities of gold holdings to meet currency criteria for Euro; East Asia suffers economic crisis
2000: China deregulates gold markets; Chinese citizens allowed to buy gold bullion after 50 years of closed markets
2000: USA technology sector and “Dot-com” stock market crash
2001: USA “9-11” terrorist attacks in New York City; gold begins historic rise as investors seek “safe haven” in physical gold
2002: China launches gold market, opening the Shanghai Gold Exchange
2003: Introduction of the Euro devalues the U.S. dollar on the international market; oil prices hit $78/barrel; gold surpasses $350/oz.
2006: Barrick Gold and Newmont Mining predict gold reserves will be depleted in 10 years at current production rates; gold prices surge 20% yearly since 2001 to over $650/oz.
2007: Dubai and Saudi oil producers announce major gold bullion purchases to be stored in Dubai; China announces plan to increase gold bullion purchases with excess cash reserves; Vietnam opens Ho Chi Minh Trading Center, Vietnam’s first gold exchange; Gold demand outpaces supply
2007: China invites five world banks, including HSBC, Societe Generale, and Standard Chartered to join the Shanghai Gold Exchange, opening the exchange to global trading
2008: Gold price breaks through $1,000 barrier in early 2008; China opens Shanghai Futures Exchange placing additional demand on gold supply; oil prices surpass $100/barrel milestone; gasoline hits all-time high in U.S.; U.S. crippled by financial crisis; U.S. Dollar hits new lows

Fiat System in History PDF Print E-mail
1st fiat system (France)

John law, a Scottish gambler and amateur economist, was able to convince to the regent that the main reason for the economic to slow down is due to gold and silver were too scarce and inelastic to serve as money.


He proposed by switching to paper, trade would be faster as more currency is created. He set up a bank that took deposits in coin, but issued loans and withdrawals in paper.

His newly created Banque Royale (Royal Bank) issued 2.7 billion livres in banknotes in the space of two years. His newly created Mississippi Company achieved a market capitalization of 5 billion livres over the same period. This resulted in a massive stock market bubble. Following a parabolic blow off, the bubble collapsed, the bank failed and Law fled the country, leaving destitution in his wake. (Antoine Murphy, John Law (Oxford, 1997), passim.)

[Source: Frontispiece of Arlequin Actionist (Amsterdam, 1720),
reprinted in Antoine Murphy, John Law (Oxford, 1997)]

However, people wanted gold and silver when they took profits. Law capped redemption in gold and silver to avoid depleting his reserves. This removed France's paper currency from the gold and silver standard and hence put it on the Mississippi Company share price standard. The amount of paper currency afloat was now many times the actual reserves of gold and silver and hyperinflation set in.

In 1720, the bank and company were united and Law was appointed Controller General of Finances to attract capital. Law's pioneering note-issuing bank was successful until the French government was forced to admit that the number of paper notes being issued by the Banque Royale were not equal to the amount of metal coinage it held. (The French Period" (of New Orleans area), 2009)

2nd fiat system (United State)

The second episode was the case of the Continental Congress. This is the most sympathetic of the four. Meeting in May 1775 following the outbreak of hostilities at Lexington and Concord, Congress had a war to finance and no clear way to do so.


It could not levy taxes because its authority was unclear. Both the British Crown and the individual states claimed the power to tax, and anyway, a brand new tax would not have gone down well in the context of a rebellion that was largely about taxes.

A loan was also out of the question, since a lender would have been crazy to take the risk of funding a ragtag band of colonial rebels at the outset of their rebellion. So Congress did what it had to do, and printed up the money.
Lots of it.


Over the next five years, until they stopped the presses in 1780, Congress issued about $241 million face amount of irredeemable, non-convertible paper bills known as “Continentals.”11 The bills served their purpose, keeping the armies in the field, but how they functioned in practice is described in the following passage (William G. Anderson, The Price of Liberty (University Press of Virginia, 1983), p. 3.):

A barber wallpapered his shop with Continentals. An old soldier, wounded in the leg, used a bundle of his pay as a bandage, and coined the word “shinplaster,” which was later used to describe any sort of money that could not be redeemed. A ship’s crew discharged in Boston, and paid off in now worthless currency, found a way of making suits out of the paper bills and paraded through the streets. “For two or three years we constantly saw and were informed of creditors running away from their debtors, and the debtors pursuing them in triumph, and paying them without mercy,” wrote [a contemporary observer]. 3rd fiat system (France)

The third episode was the fiat money of Revolutionary France. This was the most chilling of the four, intertwined as it was with the Reign of Terror. In 1789, France was broke once again, with a heavy debt and a serious deficit. With the memory of John Law still fresh, the Jacobins set about their experiment with great caution and solemnity. They promised themselves they would limit the emission of paper, called assignats, to 400 million, come what may. They over-collateralized the paper with the extensive and valuable lands of the church that had been seized in the name of the people. They put bells and whistles on the paper to distinguish it from the plain paper used in Law’s Bubble, and to signify that it was tightly controlled. They persuaded themselves that the evils of the earlier debacle stemmed from the fact that Law’s paper was the issue of a corrupt monarchy operating in secret. This time would be different; after all, it was now the virtuous people operating in the open. Wrong.

By the morning of February 18, 1796, when all the machinery, plates and paper for printing the hated paper money were finally broken and burned in the Place Vendome, a total of 45 billion had been issued.( Andrew Dickson White, Fiat Money Inflation in France (Foundation for Economic Freedom, 1959), p. 93) Here we see one of the revolutionary kingpins, Marat, as depicted shortly after his assassination by Charlotte Corday.


Note the assignat on the table by his bathtub.


4th fiat system (Germany)

The fourth episode was the German inflation following the defeat of Imperial Germany in World War I. This is probably the most famous of the four. Everyone’s heard stories of wheelbarrows filled with paper money needed to buy a loaf of bread, wage payments made twice daily to keep up with the inflation, etc. It started with Germany’s defeat in the war. Germany was an economic basketcase. It had counted on winning, and paying for the war with booty. It had bled its population white and stuffed its central bank with government paper. To make matters worse, the victors imposed heavy reparations through the infamous Treaty of Versailles.


After handing over its merchant marine, its rolling stock, its flocks and herds, as well as a large portion of its gold reserves, Germany turned to printing new marks and selling them in the foreign exchange market for whatever they would bring. (Benjamin M. Anderson, Economics and the Public Welfare (LibertyPress, 2nd ed., 1979), p. 106)

[Source:Golden Sextant archives]

Before the War, the mark had an exchange value of about 24 cents. When postwar trade started up in the summer of 1919, the mark fetched 8 cents. ( Ibid., p. 107) Four and a half years later the currency was replaced by a new rentenmark, which had a value of about 24 cents. The conversion rate was 1 trillion old marks for each rentenmark.

Fiats Past and Present
Banque Royale Notes
Regency of Louis XV
one livre to zero
Continental Bills
American Revolution
1/specie dollar to 40/specie dollar
French Revolution
1/gold franc to 600/gold franc
Weimar Germany
.08/US$ to 4.2 trillion/US$
Federal Reserve Notes
Cold War
to be determined

Now, despite their obvious differences, these episodes had several important features in common. To begin with, it’s worth noting that in each case the fateful errors were made by talented and well-educated people. They were their countries’ best and brightest financial minds. This includes John Law, by the way, who’s gotten very bad, and I think, unfair, press ever since. These men did not take the road to ruin frivolously, but rather as a measured response to a set of exigent circumstances. The point is that governments are simply incapable of managing a money supply. The pressures and temptations always prove too great.


17 August, 2010

Ørestad College Sekolah Termewah Di Dunia

Jangan salah sangka,ini bukan mall, hotel atau tempat sejenisnya di mana orang bersenang-senang, tapi ini adalah bangunan sekolah, tempat orang belajar menimba ilmu. Ørestad College, di Denmark, menjadi satu satunya bangunan sekolah termewah dengan berbagai kemudahan kelas pertama.Sekolah ini direka senyaman mungkin untuk para pelajar dengan begitu diharap mereka boleh menghasilkan prestasi maksimum.

Kalangan akademik Denmark percaya bahwa sinar matahari dapat membangkitkan semangat belajar para pelajar.kerananya, bangunan sekolah direka sedemikian rupa untuk memaksimalkan masuknya sinar matahari sebagai sumber penerangan. Kalau macam ni maknanya pelajar tu macam tumbuhan yang memerlukan sayur-sayuran. Tidak seperti umumnya sekolah lain yang serba berkotak-kotak(blok), maka sekolah ini rekaan bagian dalamnya dibuat serba terbuka, sehingga lantai bagian atas boleh melihat bagian-bagian di bawahnya.

Selain sambungan internet di setiap tempat, setiap pelajar juga mendapat laptop percuma.Juga ada bantal oren dan hijau multi fungsi yang boleh dipakai untuk rehat, belajar, atau tidur untuk melepas penat.Tidak heran design unik sekolah ini berhasil mendapat pengiktirafan antarabangsa melalui beberapa penghargaan.

Senarai 10 Minyak Wangi Termahal Di Dunia

Bijan-300 USD Per auns
 Joy (Jean Patou)-230 USD Per auns

Tiffany-200 USD Per auns
Diva (Ungaro)-190 USD Per auns
Opium (Yves Saint Laurent-YSL)-175 USD Per auns
 Caleche (Hermes)-170 USD Per auns
 Arpege (Lanvin)-170 USD Per auns

 Chanel No 5-170 USD Per auns

 Shalimar-170 USD Per auns

 Ivoire (Balmain)-165 USD per auns

Dinar Emas - Bukan Idea Tun Mahathir?

Beberapa hari sebelum ini ada berita yang agak gempak dan hangat jugaklah bagi warga Malaysia kerana penggunaan Dinar Emas. Namun begitu kita janganlah salah faham kerana idea Dinar Emas ini tidak sama seperti idea Dinar Emas Tun Mahathir. Maka apabila berlaku masalah atau keburukan, jaganlah kita salahkan Tun Mahathir. Jika kita mahu melaksanakan Dnar Emas yang beliau cadangkan dulu, maka kita perlulah berjumpa dan bertanya dengan seditirnya tentang Emas itu.

Mengikut pemahaman:
Dinar emas yg dimaksudkan oleh Tun M dahulu sebenarnya bukanlah matawang baru untuk menggantikan ringgit tetapi nilai sandaran ringgit yang selama ini bersandarkan kepada Dollar Amerika. Sebab itu banyak negara tidak bersetuju kerana kebergantungan terhadap perdagangan dan pertukaran wang asing dengan Amerika.

Tun mengajak negara-negara lain terutama dari benua Arab/Timur Tengah untuk menjadikan Dinar Emas yang berasaskan harga emas di pasaran dunia sebagai nilai pertukaran matawang setiap negara. Ini disebabkan nilai emas tidak boleh dimanupulasi oleh penyangak ekonomi/matawang kerana naikturun nilai emas lebih kukuh berbanding Dolar, Euro ataupun Yen.

Apa yang Nik Aziz lakukan hanyalah menukar wajah matawang bukan nilai sandaran.
  • Apakah dinar emas itu benar-benar diperbuat daripada emas tulin? Mungkin tidak atau menggunakan emas terpakai.
  • Apakah penggunaan dinar emas/perak ini telah mendapat kelulusan Dewan Undangan Negeri?
  • Apakah penggunaan dinar emas/perak ini telah mendapat perkenan Ke Bawah Duli Paduka Sultan Kelantan?
Dan seperti terdapat unsur-unsur penghinaan kepada DYMM Yang Di Pertuan Agung yang memperkenankan penggunaan ringgit semenjak daripada almarhum DYMM Yang Di Pertuan Agung yang pertama.

Cuma aku tak faham bagaimana beliau memberikan nilai dinar emas/perak sedangkan setiap negara/negeri yang mempunyai matawang sendiri perlu mempunyai simpanan emas di Bank Dunia untuk menentukan nilainya. Sekiranya matawang tersebut hanya digunakan di dalam negeri maka Kelantan perlu mempunyai simpanan di BANK NEGARA untuk penentuan nilai berbanding ringgit. Sekiranya tiada maka dinar emas/perak yang diterima oleh kakitangan kerajaan sebagai gaji pun TIDAK BOLEH diperlakukan di negeri-negeri lain dalam Malaysia kerana matawang tersebut tidak diakui termasuk dari segi nilai. Siapakah yang akan menjadi mangsa? Adakah ADUN-ADUN di Negeri Kelantan juga dibayar elaun mereka menggunakan dinar termasuk Menteri Besar?

Ini macam ilmu buat duit pokok pisang zaman Jepun. Yang untung ialah:
  • Syarikat Perbadanan Menteri Besar Kelantan (PMBK) kerana menggunakan duit rakyat untuk membuat dinar!
  • Penggurup Wang tak bertauliah yang mungkin mengenakan caj berlebihan kerana mereka tidak dikawal oleh Bank Negara Malaysia
Sekiranya syarikat yang mengilangkan wang tersebut berdaftar dan beroperasi di dalam negara maka syarikat tersebut juga mungkin didakwa di bawah Akta Mesin Cetak.

Aku pernah dengar sebuah syarikat yang pernah mencuba memperkenalkan e-Dinar di zaman Tun M tetapi ditolak oleh kerajaan. Ini disebabkan cadangan syarikat tersebut untuk menggunakan ringgit Malaysia dan ditukar ke dalam jongkong emas yang disimpan di dalam bank persisir pantai seperti di Kepulauan Carribean (yang berkemungkinan adalah bank penjenayah). Bukannnya di Bank Dunia.  Sekiranya Kelantan menggunakan khidmat yang sama maka dapatkah dijamin keselamatan simpanan emas tersebut? (Atau adakah Negeri Kelantan telah dipengaruhi oleh syarikat yang sama?)

Apa yang aku risaukan ialah apabila pengeluaran dinar emas/perak ini tidak dibuat bersandarkan mana-mana simpanan maka pengeluarannya akan jadi berlebihan dan jatuh nilai. Di samping itu pihak kerajaan negeri boleh terus mengeluarkan matawang tersebut untuk membayar gaji kakitangan mereka walaupun matawang tersebut sudah susut nilai atau tidak laku kerana kemungkinan ketika itu pendapatan kerajaan negeri merosot.

Dapatkah anda bayangkan apakah nasib kakitangan kerajaan yang menerima gaji menggunakan dinar tetapi tidak boleh menggunakannya di negeri-negeri lain SELAIN dari KELANTAN sahaja? Dapatkah anda bayangkan nasib peniaga-peniaga yang menerima dinar tersebut dari urusan jualbeli tetapi tidak boleh digunakan untuk membeli barangan keperluan atau bekalan perniagaan dari negeri-negeri lain?

Apakah anda yang menggunakan ringgit mahu mendapat tukaran dinar ketika berbelanja di Kelantan? Apa akan jadi dengan sektor perlancungan di sana? Bagaimana dengan orang Kelantan sendiri yang ingin mengirim wang perbelanjaan untuk anak-anak mereka yang belajar di luar Kelantan? Mahukan pejabat pos menerima sebagai kiriman wang? Mahukan Bank-Bank Perdagangan menerima untuk simpanan/pemindahan wang?

Sememangnya terdapat di negeri China yang mempunyai dua matawang. Satu matawang antarabangsa (Renminby) dan matawang dalam negeri (Yuan). Penggunaan dua matawang ini dilakukan untuk mengawal pengaliran keluar matawang negara. Tetapi kedua-dua matawang tersebut dikeluarkan dan dikawal oleh Bank of China. Nilai Yuan pula bersandar kepada matawang Renminby maka pertukarannya dengan Renminby adalah sah walaupun ianya tidak boleh ditukar dengan matawang antarabangsa yang lain.

Persoalan Pengurusan:
  1. Siapakah yang bertanggungjawab terhadap nilai dinar?
  2. Apakah negeri Kelantan mempunyai Bank Negeri sendiri yang mempunyai Gabenor?
  3. Bolehkah matawang tersebut ditukar kepada ringgit/matawang asing di luar Kelantan sekiranya Bank Negara tidak memperakuinya seperti ketika membeli bekalan di Thailand?
  4. Bolehkah dinar digunakan untuk membuat pembelian keperluan import?
  5. Bolehkah dinar digunakan untuk membayar bil-bil semasa seperti TNB, Air, Cukai Jalan, Cukai Pendapatan dan sebagainya?
  6. Bolehkah dinar digunakan untuk membeli minyak petrol/tiket kapalterbang ke umrah?
  7. Bolehkah dinar digunakan di kedai/syarikat franchise?
Mangsa-mangsa yang terlibat:
  1. Kakitangan kerajaan negeri
  2. Peniaga-peniaga yang memerlukan bahan yang tidak diperolehi dari dalam negeri.
  3. Petani-petani yang perlu membeli baja dan racun serangga.
  4. Rakyat jelata.
Dan terdapat dua jenis 'ThinkTank' yang perlu kita amati:
1. Berfikir untuk sejagat
2. Berfikir untuk diri sendiri.

Tun M juga pernah terleka dalam merealisasikan matawang dinar untuk dunia Islam. Kerana itu dia memerlukan 'ThinkTank' seperti Kakitangan Kementerian Kewangan, Penasihat Ekonomi dan Pasukan Bank Negara Malaysia untuk melakukan penyelidikan.

Jadi, sebagai rakyat yang perihatin terhadap masa depan rakyat DAN diri sendiri, sebaiknya anda cuba menjawab soalan bangang yang si Bingai ini utarakan di atas. Untuk mentafsirkan perkataan 'methodology' sendiri tak mampu aku huraikan. Persoalan yang lebih hebat bukan layak si Bingai ini untuk bertanya kerana terdapat pakar-pakar yang lain. Dari sudut perundangan adalah menjadi tanggungjawab pihak-pihak tertentu untuk memberikan penerangan. Mungkin beberapa akta perlu dirujuk seperti:
  1. Akta pengubahan wang haram
  2. Akta sistem pembayaran
  3. Akta Pertukaran Wang
  4. Akta mesin cetak
  5. Pengiriman Wang
  6. Penerimaan Deposit
  7. Penerbitan/pengedaran wang palsu
Jangan sampai dinar emas menjadi seperti matawang Saidina/Monopoly lalu kita menyalahkan kerajaan Pusat kerana tidak mengiktirafkannya. Semua rakyat harus memahami isu ini kerana sekiranya kita tidak memperdulikannya maka kita seolah-olah ingin membiarkan Rakyat Kelantan terperangkap.

Sekiranya kerajaan Kelantan mempunyai peruntukkan kewangan yang begitu banyak untuk dijadikan cagaran/sandaran terhadap dinar berbanding matawang asing, adalah lebih baik wang tersebut digunakan untuk membangunkan semula KOHILAL. Sebagai sebuah koperasi berdaftar (masih lagi berdaftarkah?) KOHILAL boleh menggunakannya sebagai modal untuk melaksanakan beberapa projek. Mungkin KOHILAL boleh dijadikan PEMBEKAL SETEMPAT untuk Negeri Kelantan dan mengeluarkan dinar seperti sistem baucer tunai (Cash Voucher). Dengan cara ini lebih mudah untuk kerajaan negeri menyalurkan bantuan kepada rakyat di samping membantu KOHILAL untuk mendapat keuntungan yang juga akan diagihkan kepada pelabur/ahli.

  1. House PK: Dinar Emas - Idea Siapakah Yang PAS Guna?
  2. Kijang Jantan: Dinar, Dirham - Pergeseran baru Kelantan dengan Pusat?
  3. Kijang Jantan: Nik Aziz Terpaksa 'Telan' Kata-Kata Dr. Mahathir
  4. Kijang Jantan: Kerajaan PAS Kelantan Akhirnya Akan Persalahkan Kerajaan Pusat
  5. Aspirasi Bangsa: "Pak Arab pun bagi respon Dinar Emas negeri Serambi Mekah!!!"
  6. Jutawan Emas: kenapa-dinar-emas-kelantan-susah-untuk-didapati 
  7. Malaysia Today: DAP diminta jelaskan isu perdangan dinar emas Kelantan 
  8. Wikipedia: Dinar Emas Kelantan 
  9. Utusan Malaysia: Duit emas, perak Kelantan boleh dianggap memalsukan matawang?
Kredit to Sepakterajang blog. 


Kita agak sering kali mendengar ungkapan "AKU MEMANG MACAM NI, NAK BUAT MACAM MANA" dan ungkapan yg hampir sama seperti itu.

Pernahkah kita berfikir, betulkah kita? tidak bersalahkah kita?

Mungkin bagi anda itu ungkapan untuk lari dari kesilapan,lepas tangan,melepaskan diri dari tangungjawab,untuk ingorekan kesalahan kita.

Antara ungkapan yang sering kita dengar ialah:
  • Aku memang tak boleh la, memang macam ni, aku lemah sangat.
  • Aku memang tak boleh la, memang macam ni, bila aku marah je mesti aku rasa nak lempaang orang.
  • Aku memang tak boleh la, memang macam ni, kalau tension je mesti aku pergi disko atau minum arak.
  • Aku tak boleh la, memang macam ni, kalau aku nak aku akan paksa jugak walaumacam mana sekalipun.
  • Aku memang tak boleh la, memang macam ni, kalau bab kene tegur je mesti aku rasa nak marah.
  • Aku memang tak boleh la, memang macam ni, kalau ade duit je mesti aku nak boros.
  • Aku memang tak boleh la, memang macam ni, kalau belajar dengan cikgu ni mesti ngantuk.
  • Aku memang tak boleh la, memang macam ni, aku malas bab2 belajar ni.
  • Aku memang jenis gila, nak buat mcm mana?
  • Memang badan aku busuk, nak buat macam mana?
  • Aku memang tak boleh la, memang macam ni, bla bla bla bla bla......
Adakah anda berasa bersalah apabila anda berkata sedemikian? Adakah kita sebagai manusia tidak mampu berubah dari yang buruk kepada yg lebih baik? atau dari yang baik kepada yang lebih baik? Fikirlah....Jangan biarkan kita terus dan terus tidak berubah kepada yang lebih baik. 

Tidak dinafikan, perkara buruk yang telah biasa kita lakukan sukar untuk dibuang. Namun begitu, walaupun perkara/perbuatan itu telah menjadi tabiat kita dan ianya amat sukat untuk dibuang, kita perlu juga berusaha untuk berubah. jangan biarkan keegoan kita berkeras untuk terus bersikap seperti ini. Kita perlu berubah demi untuk diri kita dan orang lain.

Walaupun ada juga tabiat yg perlu dan tidak perlu dibuang. Sebelum itu, kita perlulah berfikir, baikkah perkara ni? kalau baik teruskan. Kalau buruk, buangkan je la. Kita hidup atas bumi Allah ni bukan seorang diri. Jadi, Cubalah berubah untuk kebaikan kita dan orang lain.


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