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Sabahan Bloggers Gathering 2008

August 3, 2008 by · 36 Comments 

The well organised event took place last night at the glamorous 11th floor restaurant of the Imperial Hotel Kota Kinabalu overlooking the South China Sea. The bands were cool, food was delicious, and everyone was looking groovy.

There never was a dull moment when the lively DJ Selina and her sidekick took the stage as the MCs for the event.

Obviously, everything would not be possible without the hardworking organizing committee – the lovely Jacq, Gallivanter (Da Dude), Wei Chuen (you are tall), KadazanBonita (so anggun), PapaJoneh, Impedius, Julian and Farah. I think I chatted briefly with Julian (or was it Impedius). Anyway, hats off to them. I imagine it would be a hard one to top.

Meeting fellow bloggers including Sabahan.com readers face to face was an interesting experience. I’ve met Don (apparently he is one of my subscribers), Lorna (I thought you looked familiar even before we chatted), Pinolobu a.k.a Ben (I already knew you), the famous Elphege Godomon the TV3 reporter.

Then there’s Josie (the cheerful one), Eshark (sama misai kita haha), Shukery (a rather quiet but nice guy), LadyMariah (I didn’t recognize you with the braids), Chegu(betulkah tu?), Sumardi and who could miss PapaJoneh, one of the most boisterous bloggers that night. Sorry Papa, I was unable to join you guys afterwards.

I’ve met several other bloggers too but can’t recall their names – my bad. I should’ve written them down like what some people did! The list will be updated from time to time.

I would have uploaded some photos if not of the crappy connection here in Starbuck. I need a more reliable wireless connection to tap into for that. I am certain you’ll find more detailed reviews about this event in other blogs with lots of photos to feast your eyes on 😉

Updating the 50 Most Influential Blogs in Malaysia List

April 29, 2008 by · 22 Comments 

It was last year when a Malaysian Minister accused bloggers as liars. According to him out of 8000 of 10,000 unemployed bloggers are women and bloggers have nothing better to do than spreading rumors to disunite the country. Some even resorted to labeling bloggers as Monkeys, Gobloks and Pondan.

Such comments may stem from the lack of understanding of the blogging medium. A medium which may have played a role in the shocking outcome witnessed during the recent general election.

I don’t know to what extent, but it’s enough for the government to reverse their anti-bloggers stance to be the friend of bloggers. For starters, Ahmad Shabery Cheek, our new Information Minister has created a new TV show in RTM inviting bloggers to talk about specific issues about this alternative media.

Anyway, I am not here to talk about politics; there are other bloggers who are doing a better job than me in that respect. I am here to discuss about blogging as a positive medium for information sharing.

Last year I wrote an article where I listed 50 of the most influential blogs in Malaysia based on Technorati Ranks. Am I glad I did that because it appears that the list has become a starting point for those who want to get some insights into who’s who in the Malaysian blogosphere.

In its first episode, the RTM program invited A. Kadir Jasin, a blogger himself, as their guest to discuss the topic “Blog: Apa Itu Blog?” This isn’t new but in case you have missed it, you can watch the episode via YouTube here

Part 1

Part 2

Part 3

Part 4

 

In the program, Mr Kadir Jasin mentioned that only 8 out of the 50 most popular blogs in Malaysia are political blogs and the top of the list is occupied by a personal blog. RahsiaBlogger.com points that he was referring to the 50 Most Influential Blogs in Malaysia article that I wrote.

While I agree that such initiative by RTM might be the right step towards creating an understanding of openness, I wish the producer took some initiative to really understand what a blog is all about. This would have avoided the “anti-blog” mentality the host seemed to suffer throughout the program.

The first thing that came to mind when I watched the program was what is this guy’s problem? I was like cheer up man, there’s no need to attack the issue with such cantankerous attitude because a blog isn’t a bad thing.

This short discussion only managed to scratch the surface and didn’t do the medium justice but I understand that there was no time to dig deeper into the issues.

That said, I think Mr Kadir Jasin has done a good job in presenting a balance view about what a blog is in all the host’s eagerness to rapid-fire his questions. See if his handling of the second episode is any better from the following videos. You have to watch this, great replies from Raja Petra Kamaruddin.

Part 1

Part 2

Part 3

The fact is blogs are not just about political opinions or something that bloggers use to “memesong fikiran rakyat” which seems to be the accepted view of some people.

Blogging is about sharing information, any information at all from the crappiest of the craps to the greatest of the greats. The democratic nature of the Internet allows everyone to participate in the medium to talk about anything from personal experience, to music to politics.

Like any other medium such as newspapers and televisions, there’s nothing wrong with blogs as an information sharing medium. It’s how you use them that matters.

Now that’s out of the way, I think it’s a good time to update the 50 most influential blog list. It would be interesting to see how the trend has changed especially after the recent general election. Will there be more political blogs on the list this time around?

In addition to doing the research myself, I would like to ask my readers to suggest blogs which they think should be included into the list.

In order to be considered, the blog has to have a Technorati rank of 30,000 or lower. To find a blog ranking, go to Technorati.com and enter the blog’s URL into the search box.

tecrank.jpg

Now, keep your suggestions coming people!

It’s The End of The Road for Swiss Cash & Other Get Rich Quick Schemes

June 12, 2007 by · 35 Comments 

As announced by the Malaysian Securities Commission (SC) recently, they have now started to block access to several illegal investment scheme websites. This measure started yesterday, Monday 11 Jun 2007. At the time of this writing, the popular ones such as SwissCash.net and SwissMutualFund.Biz are no longer accessible from within Malaysia.

If data from Alexa.com can be taken into account, Malaysian is by far the largest group of investors in Swiss Cash

Without them, the scheme is already dead. I believe the majority of these investors do not know how to use proxy servers to get around this restriction. Without fresh money coming in – it’s the end of the road for Swiss Cash.

However last time I checked via a proxy, SwissCash.Net seemed to have difficulties serving their pages – perhaps an indication that it’ll be shut down soon by the operator?

If Swiss Cash could get out of this debacle unscathed which I doubt it will, that will count for something. I tend to believe that like all get rich schemes which depend on new money coming in to pay old investors, in the current state Swiss Cash will die soon, real soon.

This will ultimately prove that Swiss Cash is just another scam. The investors just did’t know it.

If you have question regarding SC’s move, please refer to their FAQ

Check out SC’s alert list here.

While I appreciate SC’s effort to stamp out those get rich quick websites, I think blocking websites is not the solution to the problem. Some people need to see how get rich scheme websites operate and without the access to such information, new investors won’t be able to differentiate between legal and illegal ones when new schemes crop up. Of course it’ll get harder for the operators to become establish but censorship won’t eliminate the such schemes.

What happen to the Government’s guarantee not to censor the Internet?

“KUALA LUMPUR March 16 – Prime Minister Datuk Seri Dr Mahathir Mohamad has advised the Cabinet to dispense with attempts on internet censorship, said Multimedia Development Corporation (MDC) executive chairman Tan Sri Dr Othman Yeop Abdullah today.

‘The Prime Minister has given specific instructions that there will not be censorship on the internet. That’s the position of the government,’ he said at a press conference.
He explained that the Prime Minister was reaffirming a pledge in the Bill of Guarantee last week that there will be no censorship on the internet.

OK, that’s what the ‘previous’ government said. But still…

Anybody from Malaysia Super Corridor (MSC) can access those websites?

Weakening US Dollar Hurts Malaysian Webmasters

June 12, 2007 by · 9 Comments 

Anyone who is not a US citizen, working on the Internet and get paid in US dollar is feeling the pinch of the weaker dollar.

At the same time, the local currency, Ringgit Malaysia is moving in the opposite direction and is getting stronger by the day. That means the checks I get from Google AdSense, or affiliate commissions from CJ worth less today than they were just a month ago.

If you are a blogger doing pay per post at your blog, you are actually making less money for the same amount of work.

You can choose to receive payments in Ringgit Malaysia if this option is available but from my experience, the service charge for such service and exchange rate they use are probably costlier than when you opt for US dollar payment and exchange it yourself at your local bank.

On the other hand, I can afford to spend more on Internet advertising now such as in my AdWords campaigns. But there’s no escaping that the amount of advertising dollars I could put aside will continue to shrink because of the weakening US dollar. The only way to get around this is to work harder.

forex-2y.png

Those who just got started probably do not see this as a bigger deal as those who have been paid in US dollar for years. But trust me – it hurts.

That said, because of the higher value of the US dollar, I am still earning more than if I were to get paid in Malaysian Ringgit. So it’s not the end of the world.

A US 5,000 for example is still worth about RM17,000 today. Bottom line is you have to work harder to earn the same amount of money today than before.

Security Commission Is Blocking Access to Get Rich Quick Websites

June 7, 2007 by · 8 Comments 

According to an article published in The Star Online recently, Malaysia’s Securities Commission (SC) is going to block access to illegal investment schemes operated by some 60 websites after it received 720 complaints and queries.

However no mention on how this will be done and who are they going to work with (MCMC & Telekom?) in order to achieve the objective of preventing access to those websites.

Whether this measure will also block those who try to bypass the restriction by surfing via anonymous proxy will remain to be seen.

Check out SC’s alert list to find the list of websites which are not authorised nor approved under the local securities laws

This is an unwelcome development for those get rich schemes investors. But you still have time to act accordingly as the SC’s exercise to block the website will begin on June 11 2007.

The commission, in a statement on Thursday, advised investors in such schemes to withdraw their investments and terminate their accounts immediately.

I know some of my readers are investing in Swiss Cash, one of the most popular get rich quick schemes in Malaysia. The cheerleaders will continue their support and turn a blind eye to all the warning signs that hinted the impending collapse of the scheme. By then, it’ll be too late to do anything.

UDPATE: The SC is joining forces with the Malaysian Communications and Multimedia Commission (MCMC) and CyberSecurity Malaysia to track, identify and block access to local and foreign websites promoting illegal investment schemes.

Inaccurate News Report About Get Rich Scheme Websites?

May 22, 2007 by · 5 Comments 

I always applaud the press for highlighting important issues that could help the public avoid scam websites in their excitement trying to generate extra income from the Internet.

But not this time, recently Utusan Online has published an article about several websites which according to MyCert, the Malaysian Computer Emergency Response Team are offering questionable investment schemes.

Pusat Keselamatan Siber Malaysia mengenal pasti 37 laman web yang dipercayai menawarkan aktiviti pelaburan skim cepat kaya melalui Internet berdasarkan aduan yang diterima daripada orang ramai dalam tempoh dua tahun lalu.

Antara laman web yang menawarkan pelaburan mencurigakan ialah www.carigold.com, www.cakapgold.com, www.jutawan.org, www.jomklik.com, www. gurumalaysia.com, www. wangcyber.com, e-bazaar2u. com dan www.bicarajutawan. com.

Pemangku Pegawai Ketua Eksekutif pusat itu, Leftenan Kolonel (B) Husin Jazri berkata, orang ramai mudah tertarik dengan laman-laman web itu kerana ia kononnya menjanjikan pulangan lumayan dalam jangka masa singkat.

What I find puzzling is that “several” of those websites are legitimate websites offering normal advice on Internet marketing. One of them is WangCyber.com where Sabahan.com is listed as one of the recommended sources for Internet marketing.

Unless I missed the section where it says otherwise, WangCyber is just an online community of Malaysian Internet marketers.

As you know from several articles I’ve written earlier here and here, I am not a fan of get rich quick or pyramid schemes.

I don’t understand what criteria they used to identify those websites as offering dubious investment schemes. Most of them are forums based and some do focus more on HYIP or High Yield Investment Programs, and get rich schemes – those I don’t like. But the others are just normal forums that discuss about current issues, Internet marketing, AdSense and so on.

Take for example gurumalaysia.com which means Malaysian teacher. I don’t see how this website is offering questionable investment schemes.

Of course since it’s a forum based website, it’s not unusually for some members, or spammers to post articles about get rich schemes in some of the topics, but to brand the whole site as offering dubious investment scheme is simply stupid.

According to Leftenan Kolonel (b) Husin Jazri, the person in charge of MyCert, those websites are identified based on reports received from the public and each report was investigated fully before they come to the conclusion.

Ditanya bagaimana badan itu mengesan status sesebuah laman web itu sama ada ia mencurigakan atau tidak, Husin menjelaskan, pihaknya sentiasa membuat penyelidikan dan siasatan secara menyeluruh terhadap setiap aduan yang diterima.

Ujar beliau, skim cepat kaya menerusi Internet biasanya didalangi orang tempatan namun kebanyakan laman web yang menawarkan pelaburan itu menggunakan hos di luar negara.

Don’t get me wrong, while I appreciate their effort in stamping out websites offering illegal investment schemes, at least they should do their homework before issuing any statement that could cause confusion which could lead to lost of public’s trust because as in this case, it’s obvious some of those websites do not shouldn’t be in the list.

NST Interviews Malaysian Internet Marketers Who are Making Five Figures Income From the Internet

May 12, 2007 by · 12 Comments 

The New Strait Times has recently published a story about several Malaysian who are making money on the Internet. The article featured three full-time Malaysian Internet entrepreneurs namely Samsul Zamzuri Abu Bakar (Alang), Gobala Krishnan and Liew Cheon Fong.

This is the kind of story that inspires people as it proves to them that there are ways to make real money online without getting involved in the dangerously popular get rich quick schemes.

Alang’s five figures income is derived from more than 15 websites. He got several blogs where he hires bloggers from countries like the US , and New Zealand to write the content.

His top revenue earners are directory websites where people pay to get listed. His number two money-earner is his first website at osx-e.com.

alang.jpg

Gobala makes most of his income from selling e-books and software and currently making between RM20,000 to RM30,000 per month. Yes he’s making that much apparently.

And last but not least, a guy who probably doesn’t need an introduction. Liew is the owner of one of the most popular blogs in Malaysia at LiewCF.com.

This story has actually recharged my motivation and reminded me to stop from being complacent. I need to realign my priorities and focus on things that really matters. Am I on track to achieve my goals by December 2007?

Anyway, you can read the articles here and here.

Soal Jawab Pelaburan Internet & Skim Cepat Kaya

May 10, 2007 by · 31 Comments 

OK here’s another attempt from me to write a post in Malay. I hope this will benefit those searching for this info in Malay.

Saya telah menulis tentang panduan yang dikeluarkan oleh Suruhanjaya Sekuriti untuk membantu orang ramai mengenal pasti pelaburan palsu melalui Internet.

Dalam usaha saya menghasilkan pos tentang Swiss Cash dan pelaburan skim cepat kaya melalui Internet, saya telah terserempak dengan beberapa isu yang sering dijadikan alasan untuk terus melabur dalam skim sedemikian.

Mungkin pos ini tidak akan disenangi oleh sesetengah pembaca, tapi suka tak suka, inilah jawapan saya kepada persoalan yang sering diutarakan berkenaan dengan skim ini.

 

1. Kenapa rakyat Malaysia suka melabur dalam skim cepat kaya?

Sebenarnya bukan rakyat Malaysia saja yang suka melabur dalam skim sebegini. Penduduk negara lain turut terpengaruh dengan skim sebegini.

Bezanya, kurang pendedahan tentang baik buruknya pelaburan skim cepat kaya melalui Internet menyebabkan ramai rakyat Malaysia mudah terpengaruh dengan skim ini.

Tidak seperti yang berlaku di negara-negara maju, buat masa sekarang, belum ada undang-undang khusus yang diperuntukkan untuk menangani gejalah skim cepat kaya daripada beroperasi di Malaysia.

Namun mana-mana syarikat yang mengambil deposit tanpa lesen tetap melanggar undang-undang negara tanpa mengira sama ada ia skim cepat kaya atau tidak. Jadi hakikatnya, pengelola skim cepat kaya tetap menyalahi undang-undang atas kesalahan pengambilan deposit secara haram.

Jika dilihat daripada statistik yang diperolehi dari Alexa.com, kebanyakan laman web skim sebegini mempunyai pengunjung yang majoritinya terdiri daripada rakyat Malaysia .

Trend sebegini sudah wujud semasa zaman kegemilangan 12DailyPro.com dan StudioTraffic.com. Mereka adalah antara pelaburan Internet yang rancak beroperasi sepanjang tahun 2005 dan 2006 dahulu.

Semasa kemuncaknya, 12DailyPro.com berjaya menarik 175,000 pelabur dari seluruh dunia dan ia berjaya mengumpul dana melebihi USD$500 juta dalam masa kurang daripada sembilan bulan beroperasi. 87,000 daripada pelabur 12DailyPro.com terdiri daripada rakyat Amerika dan selebihnya pelaburan luar Amerika.

Yang menariknya, hasil daripada siasatan Thomas F. Lennon, individu yang dipertanggungjawabkan oleh kerajaan Amerika Syarikat untuk menyiasat dan mengambil alih 12DailyPro kerana beroperasi menyalahi undang-undang, beliau mendapati kumpulan pelabur luar Amerika teramai terdiri daripada rakyat Malaysia.

Anda boleh muat turun laporan rasmi dalam benduk PDF hasil siasatan tersebut di sini.

Mungkin rakyat Malaysia suka mengambil jalan singkat yang tidak memerlukan usaha untuk menjadi kaya-raya tanpa menyedari jika sesuatu itu ‘sounds too good to be true – it probably is’.

Maksudnya jika sesuatu itu terlalu baik untuk dipercayai – sememangnya ia tidak sepatutnya dipercayai kerana ia tidak sebaik seperti yang diwar-warkan.

Tidak ada jalan pintas untuk mencapai kejayaan

 

2. Kerajaan ingin mengharamkan skim cepat kaya kerana mereka tidak dapat mendapat keuntungan hasil cukai daripada operasi skim sebegini.

Pengharaman dilakukan kerana skim-skim ini beroperasi tanpa lesen dan mengambil deposit daripada orang ramai secara haram. Skim sebegini tidak dilesenkan kerana modus operandinya berunsurkan penipuan yang bakal merugikan majoriti para pelabur. Kenapa kerajaan harus mengiktiraf perniagaan yang beroperasi melalui penipuan?

 

3. Skim pelaburan Internet beroperasi secara sah dan tidak wujud unsur penipuan. Keuntungan aku mencecah [ isi tempat kosong ] ribu dollar Amerika sebulan dalam skim ini. Kalau tipu kenapa aku untung?

Skim cepat kaya bermula apabila beberapa bakal pelabur terpengaruh dengan potensi yang menjanjikan pulangan lumayan dengan pelaburan kecil berisiko rendah walaupun tanpa sokongan trek rekod yang boleh dipercayai.

Selepas mendapat pulangan yang dijanjikan, sifat tamak mula menguasai diri. Pelabur-pelabur tersebut mula melaburkan lebih banyak wang ke dalam skim ini.

Dalam masa yang sama berita gembira tersebut mula tersebar kepada orang lain supaya mengambil peluang keemasan ini. Makin ramai yang melabur, makin ramai yang melihat pelaburan mereka memberi pulangan lumayan seperti yang dijanjikan.

Namun, realitinya, keuntungan yang dinikmati oleh pelabur awal datang daripada pelaburan baru. Ia bukan hasil keuntungan daripada pelaburan persisir pandai, pelaburan luar negara atau apa-apa pelaburan yang diwar-warkan oleh pemilik skim ini.

Contohnya, apabila pelabur D melaburkan wangnya, wang tersebut digunakan untuk membayar ‘keuntungan’ pelabur-pelabur A, B dan C. Apabila pelabur-pelabur X, Y dan Z melabur, wang mereka diagihkan untuk membayar ‘keuntungan’ para pelabur A hingga W.

Tapi aliran masuk ‘wang segar’ akan terhenti apabila tiada lagi pelabur baru yang masuk di bawah pelabur X, Y dan Z. Masa inilah pembayaran keuntungan yang dijanjikan akan berhenti.

Salah satu sebab mengapa skim ini kelihatan seolah-olah berjaya ialah kerana hampir semua pelabur awal yang telah menerima pulangan melaburkan kembali wang ini ke dalam skim tersebut. Tindakan mereka ini tidak menghairankan memandangkan pulangan daripada skim ini jauh melepasi keuntungan yang mereka boleh nikmati daripada pelaburan lain. Bagi mereka itulah bukti kesahihan skim tersebut untuk terus melabur.

Berbalik kepada persoalan di atas, kebiasaannya ramai di kalangan pelabur masih belum dibayar secara tunai atau memilih untuk memusingkan keuntungan awal mereka untuk menggandakan keuntungan. Mereka cuma disogokkan dengan penyata maya melalui laman web skim tersebut yang menunjukkan sejumlah wang yang kononnya sudah menjadi milik mereka.Wang tunai ini milik pengelola skim bukan anda. Tidak ada wang tunai yang keluar dari kocek pengelola skim ini selagi ia tidak dikeluarkan oleh pelabur.

Jika ada di antara pelabur yang cuba mengeluarkan wang mereka, yang bernasib baik akan mendapat wang tersebut. Tetapi ada di kalangan mereka yang dibatalkan keahlian serta-merta tanpa penjelasan munasabah dan pelaburan mereka hilang begitu saja.

Ini masalahnya – akan tiba satu peringkat di mana salah satu daripada tiga perkara di bawah akan berlaku

  1. Pengelola skim cepat kaya akan menghilangkan diri bersama semua wang pelaburan yang masih berada di tangan mereka.

  2. Skim tersebut akan runtuh atas bebanan sendiri. Ini berlaku apabila, kemasukan duit baru mula berkurangan dan pengelola mula menghadapi masalah membayar pulangan lumayan yang dijanjikan. Di sinilah timbul alasan-alasan dari pengelola skim ini yang sebenarnya bertujuan untuk melambatkan pembayaran wang. Berita mula tersebar dan para pelabur mula bimbang dan berlumba-lumba mengeluarkan wang pelaburan mereka sekaligus.

  3. Modus operandi skim ini didedahkan. Apabila pihak berkuasa mula mengkaji rekod transaksi skim sebegini, mereka mendapati aset-aset yang diwar-warkan sebenarnya tidak wujud.

 

Memang telah ditakdirkan yang skim cepat kaya akan berakhir melalui mana-mana situasi di atas. Skim ini ditubuhkan untuk gagal dan itulah hakikat yang sebenarnya.

 

4. Daripada contoh yang kau berikan, nampaknya hampir semua pelabur dari A hingga W menerima bayaran, yang rugi cuma pelabur X, Y, Z. Jadi sebenarnya keuntungan pelabur yang menyertai skim-skim ini terjamin selagi mereka menyertainya dari peringkat awal lagi.

Pemikiran sebegini bukan saja merugikan tapi merbahaya. Penyertaan awal dalam skim ini tidak menjamin anda mendapat keuntungan.

Seperti yang saya jelaskan di atas, ramai pelabur A hingga W belum mengeluarkan wang mereka kerana melaburkan kembali untuk mendapat keuntungan yang lebih besar. Laman web skim bertindak untuk mengaburi mata pelabur yang kononnya sudah dibayar melalui penyata online.

Banyak skim-skim ini ditutup begitu saja beberapa minggu selepas dibuka. Sebagai contoh, saya sendiri boleh mencipta laman web skim cepat kaya dan mengumpan ahli baru dari mana-mana forum supaya menyertai skim saya yang gemilang itu. Orang yang tamak akan menyertainya tanpa berfikir panjang lebar dan memasukkan deposit minimum 20 dolar seperti yang disyaratkan oleh saya.

Selepas saya menerima 10 ahli saya boleh menutup laman web tersebut begitu saja tanpa dikesan. Saya sudah mendapat 200 dolar. Perbelanjaan untuk membuat laman web tersebut kurang 20 dolar. Jika saya punya 10 laman web, keuntungan saya mudah mencecah 2000 dolar. Jika saya sanggup menunggu lebih lama, saya mampu mengaut keuntungan jutaan dolar daripada pelabur yang gairah tapi tidak tahu mereka ditipu.

 

5. Ini semua salah kerajaan kerana mengharamkan skim cepat kaya. Jika tidak lebih ramai yang bakal menikmati keuntungan.

Setahu saya kerajaan belum mengeluarkan kenyataan rasmi yang mengharamkan skim cepat kaya dari segi undang-undang – betulkan saya jika saya salah. Saya tahu ia telah diharamkan oleh majlis fatwa kebangsaan. Apa yang berlaku ialah, buat masa sekarang kerajaan hanya menyiasat dan mengeluarkan amaran berkenaan syarikat atau laman web yang tidak diluluskan di bawah undang-undang sekuriti.

Samaada kerajaan mengharamkan skim cepat kaya atau tidak. Ia tetap akan ditutup bila-bila masa dan yang menutupnya tidak lain tidak bukan pemilik skim itu sendiri. Sekurang-kurangnya itulah yang berlaku pada masa sekarang.

 

6. Jika kerajaan beria-ia sangat nak haramkan skim cepat kaya di sisi undang-undang kenapa tak haramkan rokok, arak dan perjudian sekali?

Saya tidak ingin menyentuh persoalan ini dari prespektif agama. Tapi ini jawapan saya:

Rokok
Rokok dan amalan merokok telah dipraktikan sejak dahulu kala lagi. Datuk-datuk dan nenek-nenek di kampung tak perlu ditipu oleh para pengilang rokok untuk mengamalkan kegiatan merokok sebagai gaya hidup berprestij. Malah dalam kotak rokok pun diletak amaran yang ia membahayakan kesihatan. Skim cepat kaya pula menjamin pulangan lumayan tanpa menjelaskan risiko sebenar dan modus operandi skim tersebut. Ini adalah satu penipuan.

Arak
Saya tidak fikir ada unsur-unsur penipuan dalam penjualan arak. Jika anda mengatakan iklan arak cuba menipu penonton dengan mesej glamour berunsur seks yang seolah-olah memberi manfaat kepada peminum arak – jawapan saya itulah iklan.

Stesen-stesen TV turut menggunakan seks untuk menarik minat penonton. Majalah wanita menjanjikan anda menjadi wanita berjaya, glamour, menawan dan berambut hitam ikal mayang jika membaca keluaran mereka. Adakah ini satu penipuan?

Perjudian
Perjudian menjanjikan satu kemungkinan. Individu yang berjudi tahu untung rugi bukan ditentukan oleh syarikat perjudian tapi berdasarkan nasib masing-masing. Syarikat skim cepat kaya sendiri menjanjikan kekayaan dalam masa yang singkat untuk semua orang. Malangnya ramai pelabur yang tidak menyedari bencana yang bakal menimpa mereka.

 

7. Bukankah perniagaan jualan langsung dan MLM dan skim cepat kaya benda yang serupa?

Tidak. Kebanyakan syarikat jualan langsung seperti Amway turut menjual produk fizikal. Para pengedar tidak diwajibkan untuk menaja pengedar baru untuk mendapat keuntungan. Amway ditubuhkan pada November 1959 di Amerika Syarikat dan mula bertapak di Malaysia pada 1976.

Setahu saya tidak ada skim cepat kaya yang mampu bertahan dan terus beroperasi selepas sekian lama. Kebanyakan skim pelaburan cepat kaya melalui Internet mempunyai jangka hayat kurang dua tahun.

Skim yang lebih popular mungkin bertahan selama 3-4 tahun, malangnya lebih lama satu skim itu bertahan lebih dramatiklah kemusnahan yang bakal menimpa para pelabur.

Di samping itu, kebanyakan syarikat MLM menjelaskan kepada para pengedar dari mana keuntungan itu diperolehi. Skim cepat kaya memberi pelbagai alasan kabur untuk menyembunyikan fakta ini.

Tapi ingat, ada diantara skim cepat kaya yang berselindung di sebalik perniagaan jualan langsung atau peluang perniagaan lumayan. Sila rujuk kepada senarai amaran yang dikeluarkan oleh Suruhanjaya Sekuriti Malaysia untuk maklumat lanjut.

 

8. Aku mula melabur sejak 2005 dalam skim cepat kaya dan pelaburan aku kini melebihi US100,000 dalam skim ini. Buat masa sekarang aku mendapat pulangan USD60 ribu sebulan. Gaji kau sampai tak sampai pun USD60 ribu sebulan.

Jika inilah alasan untuk membuktikan skim cepat kaya adalah perniagaan yang sah, maka saya bersimpati dengan anda. Sila baca jawapan no 3 dan 4.

Oh bukan saya ingin bermegah tapi jika pendapatan saya melebih USD60 ribu sebulan, ia akan kekal lebih lama daripada pendapatan anda melalui skim cepat kaya yang sebenarnya hanya dinikmati secara maya.

 

9. Yang kau menyibuk ni apasal? Aku punya duit suka hati akulah apa nak buat. Untung rugi aku tanggung sendirilah. Skim ini telah mengubah hidup aku.

Saya cuma berkongsi pendapat tentang keburukan skim cepat kaya dan pelaburan melalui Internet.

Alasan yang anda berikan sebenarnya merupakan alasan yang sama yang telah digunakan oleh para pelabur dalam skim-skim cepat kaya yang telah gulung tikar. Kebanyakan mereka sekarang menanggung kerugian dalam diam.

Saya tidak nafikan ada di kalangan pelabur yang untung tapi ini tidak bermakna skim ini sah. 10 atau 1000 mungkin sudah mendapat pulangan. Tapi mungkin tidak pernah terlintas di fikiran anda yang 10,000 pelabur menanggung kerugian mencecah puluhan juta ringgit. Jika skim ini runtuh dah pelabur awal masih belum mengeluarkan wang mereka, tidak ada siapa yang untung kecuali pemilik skim ini.

Berapa ramai keluarga yang porak peranda, pelabur yang dikejar along atau bermati-matian membayar pinjaman bank selepas impian mereka hancur begitu saja?

Orang yang sebenar-benarnya kaya adalah penganjur skim ini bukan anda. Dan orang yang rugi mungkin bukan anda, tapi ribuan pelabur lain yang anda tidak kenali. Jika anda pentingkan diri sini, mungkin kenyataan ini tidak memberi apa-apa makna kepada diri anda.

10. Selalunya orang yang memburukkan skim cepat kaya terdiri daripada mereka yang tidak pernah menyertai skim ini. Kalau takut rugi tak perlu melabur.

Adakah seseorang itu perlu menyertai skim cepat kaya untuk mengenal pasti baik buruknya skim ini? Ratusan ribu orang telah rugi melalui skim sebegini itu sudah cukup untuk mengelakkan dari melibatkan diri.

Secara peribadi saya turut mengenali individu yang mengaut keuntungan. Oleh kerana saya faham modus operandi skim cepat kaya, saya tidak melihat ini sebagai bukti kesahihan skim ini. Namun, setahu saya lebih ramai yang menanggung kerugian daripada keuntungan dan itulah hakikatnya.

Saya juga pernah untung dan saya juga pernah rugi jadi saya fikir saya juga layak untuk berkongsi pengalaman. Lebih banyak kerugian yang saya tanggung dari keuntungan.

Kepada yang belum terjebak di dalam skim cepat kaya, saya sarankan elakkan daripada melibatkan diri. Kepada yang sudah melabur keluarkan duit anda secepat mungkin – selagi boleh.

Jika anda tidak peduli dengan kerugian yang ditanggung oleh orang lain dan ingin terus melabur dan berkempen – teruskan pentingkan diri anda sendiri jika itu mengembirakan anda dan tunggulah kerugian yang bakal menimpa – jika anda belum mencapai keuntungan.

Jika ada apa-apa isu yang kurang jelas. Sila tanya dalam bahagian komen di bawah.

Jika anda dapati pos ini memberi manfaat – sila link dari blog anda atau rekomen rakan anda untuk membacanya. Terima kasih!

Kredit: Wikipedia

Malaysian Government Proposes Classification of Web Bloggers

May 6, 2007 by · 3 Comments 

It looks like the recent failure to require bloggers to register with the government does not put a stop to their eagerness from coming up with another way to control web blogs.

Yesterday, Information Minister Datuk Seri Zainuddin Maidin proposes that the government has to classify web bloggers as professionals and non-professionals in an attempt to prevent ‘misuse of blog sites’.

He believed that professional bloggers were those who where more responsible in ensuring that their web content was based on the truth and not rumors. This certainly helps them in identifying bloggers that ‘have violated the country’s law.

It made me wonder if he even noticed why the previous proposal to register bloggers was met with strong criticisms on the Internet and rejected by the Prime Minster himself.

Perhaps the classification will not be made mandatory and perhaps he hopes that bloggers who choose not to register will not be viewed as trustworthy.

If they made the classification mandatory then people could easily use overseas blog platforms such as blogger.com to avoid it.

Then there’s this question on how we classify professional bloggers and non professional bloggers. Is a professional blogger defined as someone who makes a living out of blogging? If that’s the case I only know two or three professional bloggers in Malaysia then.

What preventing a professional blogger from abusing his position by writing false information on purpose – regardless which side he is on.

Again, if the average Malaysians trusted the get rich scheme websites, why should they care about some blog classification scheme?

While I totally agree that bloggers should blog responsibly, subjecting them to certain classification is not going to prevent the spread of negative or critical views of the government policies on the Internet.

Then there’s this.

The minister said that during his recent visit to France, the Chief Executive Officer of the Nice-Matin Press Group, Michel Camboul, had mentioned the need for the French government to classify bloggers and expressed concern over blog sites having an impact on newspaper circulation and the buying of advertisements in newspapers there.

Zainuddin said the Internet had yet to be widely used by the people in Malaysia and if blog sites became an alternative press that forced the shutdown of newspapers, the rural people who depended on newspapers would be denied the right to information.

So if I understand him correctly, he is blaming bloggers if newspapers are shutdown due to low circulation and thus they are responsible for denying rural people for the right to information.

Sorry but I think this is probably one of the dumbest views I’ve read coming from a government officer regarding the Internet and blogging so far.

Malaysia in not France. The question is not whether blog sites will affect newspaper circulation in the foreseeable future but how the government should work harder to increase the very low household computer penetration rate in Malaysia.

Newspaper will continue to exist as long as the Malaysian government fails to increase the household PC penetration. Ideally both medium should coexist – I am an avid reader of web blogs but I still subscribe to our local newspaper.

Why blame others when it’s obvious that it’s the government who fail in narrowing the digital divide between the rural and urban population?

[via papajoneh.com]

Pelaburan Skim Cepat Kaya Melalui Internet – Kupasan Edisi Siasat

May 3, 2007 by · 17 Comments 

The following is an abstract from Edisi Siasat a TV program from a local TV station, NTV7, about skim cepat kaya melalui Internet or the Internet get rich schemes.

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