Aku dan Statistik

Aku dan Cerita-Cerita Lama:

Kata Carian

04 Oktober 2012

Aku dan Genneva Gold

* Emas yang dipegang tu betul ke palsu ya?

Cerita paling hot minggu ini.
Skim pelaburan emas Genneva.
Diserbu Bank Negara Malaysia.
Para pelabur seperti cacing kepanasan.
Kerajaan juga yang dipersalahkan.
Pelaburan masing2 mungkin hilang.
Bukan setakat seribu dua.
Malah mencecah ratusan ribu ringgit.

Seorang doktor GP daripada KL.
Melabur 400 ribu sejak setahun yang lalu.
Tiap bulan pungut untung 8 ribu ringgit.
Iaitu untung 2% sebulan. 24% setahun.
Macam tak percaya sahaja.

Tapi ikut nasihat pakar rujuk aku,
kalau rasa macam tak percaya,
langsung jangan percaya.
Hanya tunggu masa sahaja.
SwissCash contoh terbaikku.
Kawan2 sekeliling aku ramai yang berangan2 jadi kaya.
Tak payah pergi kerja.
Hari2 duduk kedai mamak sambil bukak laptop.
Hari2 tengok duit masuk dalam akaun.
Hari2 mengira untung.
Dan aku yang konon jahil dan bodoh.
Hanya tengok sahaja.
Takkanlah begitu mudahnya orang dapat duit.
Tanpa perlu usaha dan bekerja.
Dan kesudahannya?
Aku malas nak memulang paku buah keras.
Tapi ramai yang jatuh papa kedana.
Duit simpanan telah habis dilaburkan.
Yang buat pinjaman bank pun ramai.
Kereta baru beli terpaksa dijual semula.
Saudara-mara dan sahabat kini menjadi lawan.
Namun syukur Alhamdulilah.
Aku bukan salah seorang daripadanya.

Of scams, shams and schemes

QUESTION TIME
By P. GUNASEGARAM


Ten questions to ask before you put your money in the wrong place.
AH, people’s greed! It knows no bounds and everyone wants to make a quick buck with little effort. They just can’t resist the opportunity to make easy money but too often they don’t stop to think. And they get burnt! The sad thing is this happens over and over and over again despite all the caution that the authorities urge.
Eventually, when the scheme topples because the pyramid is teetering on the point and not resting on its base, and the sham is exposed, it’s to the authorities that the victims turn to.
So let’s not make noise when the authorities investigate money-making schemes, especially when they are too good to be true. Let the authorities investigate thoroughly because usually they investigate only after some complaints. And complaints are the first sign of trouble.
If there is absolutely nothing wrong with their business, and everything is legal and right, they will be allowed to operate again. Nothing much would have been lost and they start again from where they left off. But, if there is something wrong, the poker game is up and the house of cards will come tumbling down. In that case, all distraught investors can hope for is a share of whatever is left which often is not much.
There have been many kinds of scams over the years. Basically, all of them operate pretty much the same. They actually pay out insane returns and dividends for a while and when enough people are attracted in, they disappear in a wink with all the money that people have put into the schemes, scams or shams. And they pay attractive commission to those who get them customers.
It’s similar to stock market investors in ramped up counters: they know the fall will come but they hope to be among the first who get out before the values crumble and people start disappearing. That’s a high-risk gamble which for the most part is just not worth taking.
Here are 10 questions to ask before investing in a money-making scheme:
1. ARE the returns too good to be true?
If someone promises you 20% a year when fixed deposits pay 3%, that’s a damn good rate of return. But you need to find out what the risk is. Typically, the higher the return, the higher the risk.
2. DOES it claim to protect your capital?
If your returns are high and the scheme promises to preserve your capital, run as fast as your two legs will carry you. No one, not even the greatest investor the world has seen – Warren Buffett – can promise you that.
3. HOW is your capital protected?
If capital is protected and the return is reasonable, ask this question. If it is merely the word of the scheme or the company that is running the scheme, it will not be worth the paper it is written on if the scheme collapses and goes bust.
4. WHY does the company not make the money for itself?
If you are still convinced that they can give you such a return with no corresponding risk, ask yourself this question. They can very well borrow some money from their bank, sell all their assets or beg from their relatives if they can get that kind of returns instead of letting you make the money. Generosity like that does not exist.
5. HOW much work do you have to do?
The less work you have to do for the returns, the more suspicious you should become. If you are in direct selling, you have to work hard to get your commissions.
But if you are sitting back, kicking off your shoes and putting your feet up on the stool while watching the world go by and your money flow into your bank account, let me tell you something: It won’t last!
6. DOES it pay you when you recruit someone else into your scheme?
If it does, be very careful because that’s the classic way of spreading the scheme. You recruit someone, you get paid, your recruit gets someone, he gets paid – it spreads in geometric progression like wildfire.
But don’t forget, you most likely have not recovered your initial investment. The scam is still accumulating money and waiting for the last minute before it packs up, money and all, and flees.
7. DOES it claim that it has a proprietary product, service or method?
Oldest trick in the book, this one. They have such a fantastic advantage over the rest with this and they are so generous that they want to share it with you so that you will gain from it too. Charity from those who have not made enough money to be that charitable is rather suspect.
8. WHO are the promoters? 

Are they reputable people with solid track records and businesses built up through hard work? Or are they commission salesmen and saleswomen who have a glib tongue with which they smooth over the pitfalls of their so-called business?
9. HOW long have they been in business?
If they are new to the game, better be suspicious than sorry later. There are many reputable direct sales organisations and if you are a good salesperson, you can make some money but usually they have been around for a while. I won’t name them, you know who they are.
10. HAS it started delaying payments?
Oh, poor you! If you are in it after asking all these questions and were still, well, conned, it may well be too late. If they are delaying payments, they either got it wrong and can’t pay you or they are in the process of running and leaving you high and dry. Get the investigators in and salvage whatever you can.
Finally, remember, these scams can be quite smart, sophisticated and rather persuasive. Put them to the test by asking and answering these questions — hopefully you don’t have to answer question 10 by which time it may be too late — and we guarantee you will be safe.
Or your money back. Promise!
P. Gunasegaram is an independent consultant and writer.

10 ulasan:

  1. Salam dr.

    Mohon share boleh entry ini?
    Sebab ada sesetgh kawan saya yg terlibat dlm business gold ni..
    Just nk bg kesedaran pd yg lain2

    BalasPadam
  2. kaum apa yang ramai terpedaya....??

    Melayu lahhhhh !!

    BalasPadam
    Balasan
    1. Betul.

      Tengok aje geng2 MLM.
      siapa kepalanya?
      dan siapa kuli2 bataknya?

      Kesian tengok bangsa sendiri.

      Padam
  3. biasanya benda2 express mcm ni, org kita la yg no.1 jadi jaguhnya....

    BalasPadam
    Balasan
    1. Ramai bangsa kita.
      Nak untung lipat kali ganda.
      Tapi kurang usaha.

      Rezeki takkan turun dari langit.
      Dan tiada lagi yang percuma di dunia ini.

      Padam
  4. Yg kapir tu toksah cerita la kan...ni yg Melayu Islam, kena tahu dulu asa pelaburan emas yg patuh shariah...sebab hidup kat dunia ni kejap aja...

    BalasPadam
    Balasan
    1. berita hari ini,
      3 lagi syarikat pelaburan emas kena serbu.
      banyak kesalahan,
      tak ikut undang2 negara,
      tak declare income tax,
      hanya fikir untung sahaja.

      Dah camni pun masih tak nak terima hakikat jugak?

      Padam
  5. orang melayu punye angan angan memang tinggi...! 'bijak' sangatlah katakan...

    BalasPadam
    Balasan
    1. Dalam FB.
      Kata Tun Mahathir yang rasmikan penubuhan syarikat ni.
      Ntah ya ntah tidak.

      Padam