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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.



“I am very happy with Public Gold because they provide us with an opportunity to invest in precious metals.
When other investment failed, the best investment is precious metal especially gold and silver.
By investing in gold and silver, we are not only enjoying the price appreciation of gold and silver but we can also protect our wealth.
Public Gold also offer competitive prices for their product compared to gold shop.
Apart from that Public Gold also provides IT facilities that enable customer to order online 24 hours.
Their service is marvelous and customer is guaranteed to book their purchase according to international price of gold and silver market.
I wish Public Gold best of luck :) “
( founder) Mahaguru Syukor Hashim, 6/5/2010
“Very far-sighted, stable, dynamic and innovative company. This is among one of the pioneer companies in Malaysia, which venture solely in gold investment. Besides, it helps to educate public pertaining to gold literacy and path-ing them to accumulate more income through the real investment. I believe with very capable management and strong structure, Public Gold will grow further and enhance its reputation and brand in gold investment in Malaysia.”
(General Manager) Zamzuri Abdul Majid, 4/5/2010
“Terima kasih kepada pihak Public Gold kerana memberi peluang saya terlibat dalam pelaburan emas. Pada mulanya saya hanya tahu emas adalah sebagai perhiasan wanita. Ekoran selalu mengikut isteri ke kedai emas membeli barang kemas dan melihat harga emas sentiasa melambung naik mendorong saya menceburi pelaburan emas fizikal ini. Pada mulanya saya simpan sedikit demi sedikit.tapi sekarang NILAI simpanan emas saya semakin meningkat. Matlamat saya adalah untuk menjana pendapatan pasif melalui kenaikan harga emas setiap tahun. Jom kita sama-sama menyimpan emas untuk pelaburan masa hadapan. Pengalaman membeli emas PG tahun lepas bulan May 2009 cuma RM105/g. Tapi hari ini harga meningkat kepada RM134/g… pulangan 27% dalam masa setahun. WOW!”
(Account Manager) Mohd Fazli Ismail (Pokli), 4/5/2010
1 dinar RM497 (September 2009)"... Kalau la saya tahu emas ni akan naik harga sampai macam harga sekarang ni…sure dah beli dan simpan dari dulu lagi. Saya percaya mesti semua orang akan ada perkataan "kalau la saya..." Jadi, apa tunggu lagi… jom kita simpan emas Public Gold. Saya yakin dengan emas keluaran Public Gold. Alhamdulillah, saya bermula dengan hanya sekadar hobi menyimpan emas, akhirnya kini saya dah pun memilih untuk jadi Dealer Public Gold yang sah! Emas sebagai aset. Anda x rugi simpan aset!! percaya la…”
(Pharmacist) Amir Firdaus, 4/5/2010
“Well, gold investment is absolutely a fantastic investment and one of the safest ways. Public Gold has indeed given us the opportunity to invest in gold and silver. Most importantly, Public Gold offers us a simple and convenient way to create our own success in gold investment. Joining Public Gold as an agent in August last year had really made a big difference. The only regret I had was the fact that I joined Public Gold a bit too late. So, come and join us in Public Gold, don’t wait if you can do it right away. Smile as the price keeps increasing. Good Luck!”
(Homeopathic Doctor) Mazrina Moh Mokhtar, 5/5/2010
“Sungguh mudah untuk berurusan dengan Public Gold kerana kita boleh monitor harga secara online, dan berurusan dengan dealer/agen yang berada di setiap daerah di Malaysia. Dan Public Gold menawarkan harga yang terendah jika dibandingkan dengan kedai emas yang lain.”
(Maintenance Supervisor) Ahmad Azman, 6/5/2010
"Produk hebat Public Gold tiada tandingan. Urusan jual beli yang cukup puas hati. Selain simpan emas, dapat juga menghidupkan sunnah agama Islam".
Zahirin Bin Mustafa, 11/5/2010
Di ucapkan syabas dan tahniah kepada syarikat Public Fine Gold International Sdn Bhd dimana ia adalah satu-satunya syarikat tempatan yang menyediakan urusan jual beli emas online pertama di Malaysia. Produk emas Public Gold dijamin ketulenannya dan ternyata mudah didapati samada secara online melalui website ataupun offline melalui dealer-dealer di seluruh Malaysia.
Bagi yang ingin menjadikan emas sebagai aset dan perniagaan, emas Public Gold adalah yang terbaik untuk anda. Ingat Emas, Ingat Public Gold!
(Lecturer@MARA) Abdul Sapawi (Pawie), 11/5/2010
Pada tahun 2009, adik saya telah menunjukkan jongkong emas yang dibelinya dari syarikat X. Saya sememangnya ketika itu mencari-cari syarikat yang menjual jongkong emas kerana saya ingin memperkenalkan emas sebagai salah satu pelaburan kepada para pelangan saya. Sebagai seorang penasihat kewangan peribadi, saya tahu emas adalah salah satu pelaburan yang penting dalam portfolio seseorang. Dipendekkan cerita saya, saya tidak jadi menjalin hubungan perniagaan dengan syarikat X itu, kerana model perniagaannya mencurigakan.
Pada suatu ketika, saya terjumpa dengan laman web ‘’. Dari situ saya mendapat maklumat tentang syarikat Public Gold, dan pada April 2009, saya mendaftar sebagai pengedar. Untuk tempahan emas saya yang pertama, saya telah mengambilnya sendiri di pejabat Public Gold di Bukit Jambul, Pulau Pinang. Saya sebenarnya ingin memastikan pejabat tersebut betul-betul wujud dan bukan setakat alamat sahaja. Selepas saya kembali ke Kuala Lumpur, saya membawa sekeping emas 20g ke kedai emas untuk mengesahkan berat dan ketumpatan emas. Ternyata emas Public Gold tulin dan tepat timbangannya seperti di sijil. Jurukedai emas itu mengatakan kepingan emas itu cantik, dan bertanya dari mana saya dapat? Saya memberitahunya saya beli di Pulau Pinang :].
(Certified Financial Planner) Zalekha Gold Trading, 11/5/2010
"My 'career' with Public Gold started in January 2010, after being studying about gold investment for months. I opted for Public Gold because it is the first Malaysian company that sells certified gold bars. Besides, the availability of stocks is very good and the online system it offers is very convenient, especially to dealers. The public acceptance of the Public Gold bullions is excellent, people like it when they can monitor the price movement for themselves and found it very transparent. Alhamdulillah, I became a Master Dealer in less than 3 months! I think when Che Det displays the Public Gold banner in his so-well-known blog, what else people want to look for confidence? Personally, I think Public Gold is the right place for you to be a Gold Investor and it is yet a better choice if you want to build your career in Gold Investment. Let's become a dealer like us!!"
(Business Owner) Noorzilawati Binti Menong @ Abdullah, 12/5/2010
Sejak mengenali Public Gold pada awal tahun 2009 dan membeli 1 dinar, saya merasa teruja dan telah menubuhkan Saudagar Emas Trading untuk menjadi agen Public Gold International Sdn Bhd. Sambutan masyarakat tentang produk emas ini dan sokongan syarikat, telah membolehkan Saudagar Emas Trading dilantik sebagai Master Dealer.

Dengan kemudahan cara pembelian dan penjualan, harga jualan yang jauh lebih rendah dari pasaran dan membeli semula dengan harga yang tinggi, kemudahan membeli emas secara online 24 jam dan sokongan berterusan daripada syarikat, telah memudahkan Saudagar Emas menjual dan membeli emas dan membolehkan saya menjalankan perniagaan ini sepenuh masa!

Public Gold telah berjaya menimbulkan kesedaran masyarakat tentang simpanan dan pelaburan emas yang sebenar. Ia menjadi fenomena sehingga ramai yang bertanya tentang pelaburan emas dan mula menjadikan emas sebagai Simpanan Sebenar Kekayaan mereka. Dikalangan orang Islam pula, ramai yang mula mengenali jenis dinar dan dirham keluaran syarikat lain hanya setelah mengenali tentang Dinar Public Gold. Syabas Public Gold!
(Managing Director) Saudagar Emas Trading, 12/5/2010
Alhamdulillah, akhirnya hajat saya 13 tahun lepas (1997) menjadi kenyataan untuk memiliki emas sendiri. Public Gold telah berjaya mengubah fenomena dunia pelaburan emas dengan kelebihan yang ada padanya walaupun masih muda. Menawarkan harga jual dan beli yang munasabah dan peluang perniagaan emas. Kemudahan sistem online dan sms amat membantu para peniaga. Kini sesiapa juga mampu menjana keuntungan dengan emas bermula dari modal yang sedikit. Emas kini boleh dibeli pada bila-bila masa dan di mana jua anda berada. Tahniah buat Public Gold.
(Government Servant) Zakaria Ismail, 12/5/2010
Terima kasih kepada Public Gold Fine International telah membuka ruang kepada rakyat Malaysia untuk melibatkan diri dengan pelaburan emas dan perak . Selain menyimpan sebagai pelaburan untuk masa hadapan, juga memberi peluang kepada sesiapa yang ingin menjadi peniaga emas. Dengan pengurusan yang baik, sistem jual-beli 24 jam, stok yang sentiasa ada dan mudah dapat, Public Gold adalah pilihan yang tepat. Di samping itu kehebatan & keunikan emas itu sendiri, serta nilai emas yang semakin naik, sudah pasti ianya memberi pulangan yang terbaik. Jangan lepaskan peluang untuk jadikan emas sebagai salah satu portfolio anda mulai sekarang. Jom Simpan Emas!
(Executive, Private Sector) Md Hanisham Bin Rahmat, 17/5/2010
Saya telah melabur dalam Unit Dana Bersama (Mutual Unit Trust) sejak tahun 2006. Daripada tahun ke tahun, dividen yang dibayar tidak membawa pulangan yang memuaskan malahan ada satu dana yang membawa kerugian. Jadi saya terfikir, "adakah pelaburan yang membawa jaminan keuntungan kepada pelaburnya tanpa ia merugikan atau jatuh merudum?". Saya telah membuat kaji-selidik di internet berkenaan pelaburan yang memberi jaminan keuntungan kepada pelaburnya sehinggalah saya menemui satu laman sesawang berkenaan EMAS yang dikendalikan oleh En Syukor (Mahaguru Emas). Selepas itu saya telah menghadiri ceramah Public Gold yang disampaikan oleh En Syukor. Ia membuka minda dan menambah ilmu tentang EMAS dan tanpa berlengah saya terus mendaftar dengan Public Gold sebagai Dealer walaupun pada ketika itu harga EMAS mencecah US$1000.00 per auns.

Tidak dinafikan EMAS mempunyai aura tersendiri untuk dimiliki oleh sesiapa sahaja terutama kaum wanita. Public Gold menyediakan peluang kepada saya untuk memiliki EMAS dan PERAK. Peluang keEMASan ini dapat saya kongsi bersama dengan saudara-mara dan sahabat-handai. Sekarang saya yakin, EMAS dan PERAK adalah jawapan kepada persoalan saya selama ini....EMAS dan PERAK......sebagai aset kekayaan.
Mahmud Shukri Bin Muhamad, 29/5/2010


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