Duit duit..di mana kau duitt.. duit duit

Hahaa PujaAn suka karaoke lagu ni yg versi Hattan. Lagi mengancam dari versi lama ngn sore papa rock kapak dia tuh.

Okeh murid2 arini cikgu Pujaan nak wat kelas tentang skim cepat kaya. Semua org nak kaya dan program2 ni semua ada di sekeliling kita.
Cikgu nak murid2 study topik ni sbb akan masuk peksa akhir tahun.

Faham tak murid2?

Ponzi scheme
From Wikipedia, the free encyclopedia

A Ponzi scheme is a fraudulent investment operation that involves paying abnormally high returns ("profits") to investors out of the money paid in by subsequent investors, rather than from net revenues generated by any real business, named after Charles Ponzi.

Overview


A Ponzi scheme usually offers abnormally high short-term returns in order to entice new investors. The high returns that a Ponzi scheme advertises (and pays) require an ever-increasing flow of money from investors in order to keep the scheme going.

The system is doomed to collapse because there are little or no underlying earnings from the money received by the promoter. However, the scheme is often interrupted by legal authorities before it collapses, because a Ponzi scheme is suspected and/or because the promoter is selling unregistered securities. (As more and more investors become involved, the likelihood of the scheme coming to the attention of authorities will continue to increase.)

The scheme is named after Charles Ponzi, who became notorious for using the technique after emigrating from Italy to the United States in 1903. Ponzi was not the first to invent such a scheme, but his operation took in such a large amount of money that it was the first to become known throughout the United States. Today's schemes are often considerably more sophisticated than Ponzi's, although the underlying formula is quite similar and the principle behind every Ponzi scheme is to exploit lapses in judgment arising out of greed.

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Hypothetical example

An advertisement is placed promising extraordinary returns on an investment – for example 20% for a 30 day contract. The precise mechanism for this incredible return can be attributed to anything that sounds good but is not specific: "global currency arbitrage", "hedge futures trading", "high yield investment programs", or similar.
A mugshot of Charles Ponzi

With no proven track record for the investors, only a few investors are tempted, usually for smaller sums (say $5,000). Sure enough, 30 days later, the investor receives $6,000 – the original capital plus the 20% return ($1,000). At this point, greed starts to overcome reason: the investor will put in more money, and, as word begins to spread, other investors grab the "opportunity" to participate. More and more people invest, and see their investments return the promised large returns.

The reality of the scheme is that the "return" to the initial investors is being paid out of the new, incoming investment money, not out of profits. There is no "global currency arbitrage", "hedge futures trading", or "high yield investment programs" actually taking place. Instead, when Investor D puts in money, that money becomes available to pay out "profits" to investors A, B, and C. When investors X, Y, and Z put in money, that money is available to pay "profits" to investors A through W.

One reason that the scheme works so well is that early investors – those who actually got paid the large returns – quite commonly reinvest (keep) their money in the scheme (it does, after all, pay out much better than any alternative investment). Thus those running the scheme don't actually have to pay out very much (net) – they simply have to send statements to investors that show how much the investors have earned by keeping the money in what looks like a great place to get a high return.

The catch is that at some point one of three things will happen:
(a) the promoters will vanish, taking all the investment money (less payouts) with them;

(b) the scheme will collapse of its own weight, as investment slows and the promoters start having problems paying out the promised returns (and when they start having problems, the word spreads, and more people start asking for their money); or

(c) the scheme is exposed, because when legal authorities begin examining accounting records of the so-called enterprise, they find that much of the "assets" that should exist, do not.

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What is and is not a Ponzi scheme

A pyramid scheme is a form of fraud similar in some ways to a Ponzi scheme, relying as it does on a disbelief in financial reality, including the hope of an extremely high rate of return. However, several characteristics distinguish pyramid schemes from Ponzi schemes:

In a Ponzi scheme, the schemer acts as a “hub” for the victims, interacting with all of them directly. In a pyramid scheme, those who recruit additional participants benefit directly (in fact, failure to recruit typically means no investment return).

A Ponzi scheme relies on some esoteric investment approach, insider connections, etc., and often attracts well-to-do investors; pyramid schemes explicitly claim that new money will be the source of payout for the initial investments.

A pyramid scheme is bound to collapse a lot faster, simply because of the demand for exponential increases in participants to sustain it (Ponzi schemes can survive simply by getting most participants to "reinvest" their money, with a relatively small number of new participants).

Worldcom and other financial frauds. Worldcom did not pay out high returns (that is, high dividends). Worldcom was a publicly traded company which used expectations from the internet/dotcom boom and various fraudulent accounting schemes to inflate publicly reported profits to keep its stock high. Investors were free to sell at any time; when they did, the company wasn't the one paying the investor -- it was the person buying the stock who paid, and took the risk at that point.

A bubble. A bubble relies on suspension of disbelief and an expectation of large profits, but it is not the same as a Ponzi scheme. A bubble involves ever-rising (and unsustainable) prices in an open market (be that shares of a stock, housing prices, the price of tulip bulbs, or anything else). As long as buyers are willing to pay ever-increasing prices, sellers can get out with a profit. And there doesn't need to be a schemer behind a bubble. (In fact, a bubble can arise without any fraud at all - for example, housing prices in a local market that rise sharply but eventually drop sharply because of overbuilding.)

Robbing Peter to pay Paul. When debts are due and the money to pay them is lacking, whether because of bad luck or deliberate theft, debtors often make their payments by borrowing or stealing from other monies they have. It does not follow that this is a Ponzi scheme. From the basic facts set out, it is not, because there is no indication that the lenders were promised unrealistically high rates of return via claims of unusual financial investments. Nor (from these basic facts) is there any indication that the borrower (banker) is progressively increasing the amount of borrowing ("investing") to cover payments to initial investors (as, again, Ponzi was not the first to do.)

About being a parent...

Assalaamualaikum,

Ari tu aku gi jln2 ngn mmber aku kat bandar.. Round kat Fountain BP skali ada ceramah Maulidur Rasul daaa.. Lepak laa jap dengor.

Cakap2 lebih kurang pasal masalah dadah dan yg aku tertarik ialah bila di highlight yg Benggali or Singh kurang masalah sosial cam mat rempit etc etc. Hasil kajian ialah kerana institusi kekeluargaan diorg kuat dan ajaran agama juga diterapkan pada anak2 mereka.
Mereka juga bila ada majlis kat kuil akan berderet- deret dari yg paling kecik sampai ke laa yg dah senja gi..

Naper kita takleh wat kan? Amalkan ajak semua sekali seisi rumah bila ke majlis agama dan maintain.

Ni aku paste dari geocities tentang amalan ibu mengandung dan selepas bersalin utk dapat anak yg soleh.

Moga Allah merahmati kamu semua ^_^



Proses pendidikan mula berlaku ketika bayi masih berada dalam kandungan ibunya. Pendidikan pada peringkat ini lebih bercorak kerohanian, iaitu:

* Bagi ibu-ibu yang mengandung digalakkan supaya memperbanyakkan bacaan Al-Quran terutama surah Yusuf, Mariam, Luqman dan At-Taubah.

*Ibu hendaklah sentiasa berdoa kepada Allah S.W.T agar anak yang bakal dilahirkan itu nanti menjadi seorang anak yang soleh, berilmu, beriman, bertakwa dan berakhlak mulia.

*Ibu bapa hendaklah mendapat rezeki daripada sumber yang halal supaya benih yang bakal dilahirkan itu nanti datang daripada darah daging yang halal.

*Ibu hendaklah makan makanan yang berzat dan sentiasa menjaga kesihatan tubuh badannya. Kebersihan diri hendaklah diutamakan bagi menjamin kesihatan anak-anak dalam kandungan. Faktor kesihatan amat dititikberatkan oleh Islam sehingga Islam memberikan kelonggaran kepada ibu yang mengandung untuk berbuka puasa sekiranya merasakan puasa itu menjejaskan kesihatan diri dan anaknya.

*Ketika mengandung, ibu perlulah menyesuaikan diri dengan perubahan perubahan yang berlaku kepada dirinya. Pada waktu begini sememangnya keadaan ibu agak berbeza dari waktu - waktu biasa, terutamanya bagi ibu yang bakal melahirkan anak yang pertama. Mungkin selera makannya hilang, perasaan agak terganggu(sensitif) dan hatinya boleh berdebar-debar kerana bayi dalam kandungannya itu adalah sebahagian daripada dirinya. Ketika ini para suami hendaklah lebih memahami keadaan isteri serta memberi dorongan yang kuat kepadanya.

AMALAN SUNAT SEMASA MENGANDUNG & SELEPAS BERSALIN

Semasa mengandung merupakan masa yang banyak mengalami perubahan emosi dan fizikal. Di samping itu mengandung juga merupakan suatu harapan dan cita-cita sebuah perkahwinan. Oleh itu banyak amalan-amalan yang sunat dilakukan semasa mengandung agar zuriat yang bakal lahir itu nanti menjadi generasi yang cemerlang, baik di dunia dan di akhirat.
Dalam mencapai matlamat tersebut, anak itu mestilah ditarbiyah sejak dia masih janin lagi atau semasa di dalam kandungan.

Tingkah laku ibu bapa yang baik semasa ibu itu sedang hamil merupakan satu pendidikan awal. Di antara amalan-amalan yang sunat dilakukan ketika sedang hamil ialah memperbanyakkan membaca ayat-ayat Al-Qur‘an dan berdoa, sebagaimana yang diriwayatkan oleh Ibnu Sunni daripada Fatimah Radhiallahu ‘anha yang maksudnya :

“Sesungguhnya Rasulullah Shallallahu ‘alaihi wasallam apabila (Fatimah) hampir melahirkan, Rasulullah memerintahkan Ummu Salamah dan Zainab binti Jahsyin menghampir Fatimah maka Baginda membaca ayat Al-Kursi dan surah Al-‘Araf (ayat 54) di sisi Fatimah dan memohon perlindungan kepada Allah dengan membaca surah Al-Falaq dan An-Nas”.Doa yang sunat dibaca ketika hamil itu termasuklah doa Nabi Yunus ‘alaihissalam yang tafsirnya :“Sesungguhnya tiada Tuhan (yang dapat menolong) melainkan engkau (Ya Allah!) Maha Suci engkau (daripada melakukan aniaya, tolonglah aku!) Sesungguhnya aku adalah dari orang-orang yang menganiaya diri sendiri”.
(Surah Al-Anbiya‘: 87)

Begitu juga bagi ibu-ibu yang sukar bersalin, Ibnu Abbas meriwayatkan Rasulullah Shallallahu ‘alaihi wasallam bersabda yang maksudnya :“Apabila seorang perempuan itu sukar bersalin, tuliskan di dalam bejana surah Al-Ahqab (ayat 35) dan surah Al-Nazi‘at (ayat 46), kemudian air itu disapukan dan diminum serta disapukan di perut dan kemaluannya”.
(Hadis riwayat Ibnu Sunni)

Pada kebiasaannya selepas melahirkan anak, Islam telah menggariskan cara yang sebaik-baiknya menyambut kelahiran anak tersebut. Antaranya ialah memberikan ucapan tahniah dan merasa gembira di atas kelahiran anak tersebut, menyerukan azan dan iqamah, mentahniq, mencukur rambut, memberi nama, aqiqah dan sebagainya yang telahpun dikeluarkan dalam ruangan Irsyad Hukum terdahulu.