Sample Of Lump Sum Investment Proposal

Property Market Growth To Taper off In 2012, says expert

KUALA LUMPUR, Feb 10 — The property market will still see growth this year but at a slower pace than 2011 due to dampened sentiment, said CH Williams Talhar & Wong.The property consultancy said buyers were now more knowledgeable and picky, and were less inclined to follow the crowd. Also, sentiment among speculators would have been affected by ...




Read more at http://www.themalaysianinsider.com/business/article/property-market-growth-to-taper-off-in-2012-says-expert/

Gongxi Gongxi Ni !!!! One Vision 2012 CNY Gathering and Training

Potluck Gathering with lots of food from UTCs and leaders

Food testing ?? Yummy ......

Gong xi Gong xi

Linda and Bala enjoying food via exchange ideas

Our music DJ of the day, Garry : )

Pretty Ladies ...

Lets have a group photo

Wish everyone a red hot year ahead !!!

Lee Peng with OV members

Thanks UTCs for your support!!!

The foods are so delicious!!

Best wishes from the ladies : )

Limau sangat manis : )

Satu Malaysia!!

Happy together

Share and care !

Get a "Mandarin orange" after register

Bala - MC of the day

Henry - first speaker on Relationship Building with Investor

Lee Peng - the President, giving a warm welcome speech to the audience

Year End Gathering Night 19 Dec 2011

Here we are, a rest & relax night after one year effort!





The Council Members



Speech By Event Director, Mr Bala .. 'U all are going to have a fun night ... heeeee'

Let's fill up our stomach first ....

Choose your own favourite food ....



Have some fruits & desserts too ...




Members are awaiting for upcoming events ....

 



Let's mingle & promote some bonding while waiting ....

  
 

More bonding section ...



Kick off from The President's speech : "The treasure platform is right here,
with bundle of valueable infos & field experience sharing
from leaders, as well as team members".


Here we go, sharing from team members ....

 Sharing from Kent : " Set target, just do it, focus on your plan,
that's how I achieve my NSC trip".

Sharing from Janice : "Stay focus, good time management,
strong mind set to always excel yourself -  I always aim to be better than before".

Sharing from Yoke Han : " Secret to success - Strong Determination &
attend OV training is a must to do in her list".



Sharing from May Ken : "Be committed, consistent & persistant,
are my success secrets".



Here we go, QUIZ moments  ......



Team member, Puan Kamsiah, was enlighten by our
quiz facilitator, Mr Gary Chow...




Congratulations to Pink Team. You are the CHAMPION!




Here we go, some prizes for you all tonight ...



 

Some other group photos ....



GAM Cindy Ong, & her team members ...



Some memories ....

Let's say  CHEESE ....



Wishing everyone of you to have a year of abundance prosperity, longing happiness & flourishing health ....

See you more in OV training ...

One Vision - Jan - Mar 2012 Training Schedule

OV Training Schedule OCT - Dec 2011

Gold - What is it for?

What’s Wrong With Gold


In one scene in the James Bond film "Goldfinger", the gold-intoxicated villain - the film's namesake - watches delightedly as a laser inches closer to a gold-topped table to which Bond is tied at the ankles and wrists. Before bidding farewell, Goldfinger leaves Bond with this thought: "This is gold Mr. Bond. All my life I have been in love with its color, its brilliance, its divine eminence." Movies like this epitomize the human fascination with this precious metal and the greed that it sometimes inspires. Contrary to what Goldfinger thought, gold may not be the most valuable investment in the world - it may be nothing more than a form of insurance.

Here we look at the major issues facing gold, such as its demand/supply imbalance and its potential to share the same fate as silver, and we examine what gold really means as an investment.


Gold's Unique Demand/Supply Imbalance

The biggest factor influencing gold's price is the staggering amount of it held by central banks around the world. This is a legacy from the days of the gold standard, which existed in one form or another between 1821 and 1971. (For more on this history, see The Gold Standard Revisited.) During this period, U.S. and European central banks hoarded massive amounts of gold (see graph below).

According to the World Gold Council, in 2003 this stockpile consisting of 33,000 metric tons accounted for nearly 25% of all the gold ever mined. In that same year, a total of only 3,200 metric tons of gold was supplied to the marketplace through mining and scrap - this means the central banks' stockpile of 33,000 tons could overwhelm the market if it were sold. In other words, there is enough gold in the vaults of central banks to satisfy world demand for 10 years without another ounce being mined! What other commodity has this kind of demand/supply imbalance?

Furthermore, without a gold standard, this precious metal has limited strategic use for these central banks. Because gold does not earn any investment interest, some central banks - like that of Canada during 1980-2003 - have already eliminated their gold stock. The potential for gold supply to dwarf its demand poses a hindrance to the metal's potential return well into the future.

Figure 1: Note the gradual decline of the central banks' reserves since the fall of the gold standard. As this decline continues, the price of gold also faces a continual downward stress. Sixty percent of the current gold reserves are held by U.S., Germany, France, Switzerland and Italy. Data provided by the World Gold Centre.

Does Silver Foreshadow Gold's Future?

Silver and gold have shared a common history over the past five millennia. Prior to the 20th century, silver was also a monetary standard, but it has long since faded from this monetary scene and from the vaults of central banks around the world. According to the Economist article "Goldbears" (May 30, 2002), silver's elimination from the central banks' reserves may help explain why its return has not exceeded inflation rates over the past 200 years. If the current stockpile of gold were to be sold off, the downward pressure on its price could result in it having the same fate as silver.

Perhaps history demonstrates that it is just too difficult for the world to work under a monetary standard based on a commodity because the demand for these metals depends on more than monetary needs. When these metals were used as monetary standards, the divergence of the market price and mint price for these metals seemed to be in continual flux. (The mint price refers to the price a mint would pay someone to bring gold or silver in to be melted down into coinage.) And continual arbitrage opportunities between market and mint prices created havoc on economies. The rise and fall of the silver standard - which just happened to be the first victim - perhaps demonstrates how gold's price as a commodity cannot absorb the demand/supply distortions created by its past position as a monetary standard.



The Real Meaning of Gold

So how should an investor really view gold? For the most part, it is a commodity, just like soybeans or oil. So, when making any buy or sell decision, an investor should put future supply and demand issues at the forefront.

At the same time, gold can be seen as a form of insurance against a catastrophic event hitting the global financial markets. However, if that were ever to happen, it's possible that gold would be of use only to those investors who held it physically. The attacks on the World Trade Center in 2001 demonstrated this point all too well. Hundreds of millions of dollars worth of gold may have been stored in vaults underneath these towers, but these vaults became inaccessible after the towers collapsed.

Gold also may be helpful during periods of hyperinflation as it can hold its purchasing power much better than paper money during these periods. However, this is true for most commodities. Hyperinflation has never occurred in the U.S., but some countries are all too familiar with it. Argentina, for example, saw one of its worst periods of hyperinflation from 1989-90, when inflation reached a staggering 186% in one month alone. In such situations, gold has the capacity to protect the investor from the ill effects of hyperinflation.


Conclusion

Gold means many things to many people. Its history alone has lured some investors. One of gold's most important historical roles has been as a monetary standard, functioning much like today's U.S. dollar. However, with the gold standard no longer in place and industrial demand representing only 10% of its overall demand, gold's luster - as an investment - is not quite as bright.

Until the fate of the gold stockpile accumulated by governments is determined, the price of it will have difficulty surpassing the US$850 per ounce reached in 1980. According to the "Goldbears" article, if gold undergoes the same monetary fate as silver, gold will trade around $68 per ounce.

Therefore, holding gold as an investment is really a form of insurance against a period of hyperinflation or a catastrophic event hitting our global financial system. Insurance comes at a price, though. Is that price worth it?



by Investopedia Staff
Read more: http://www.investopedia.com/articles/05/033105.asp#ixzz1WJCuPScG

Comparison With Other Investment Products 5 Sept 2011

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There is a special sharing on how to handle current challenges in present market conditions on 05 sept 2011.

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The History Of Gold - The Yellow Precious Metal

ARTICLE HIGHLIGHTS


• Before investing in gold, you must understand its history.


• Around 700 B.C., gold was made into coins for the first time.


• Gold hasn't always been a guarantee of wealth.

"We have gold because we cannot trust governments." President Herbert Hoover's statement in 1933 to Franklin D. Roosevelt foresaw one of the most draconian events in U.S. financial history: the Emergency Banking Act occurred that same year, forcing all Americans to convert their gold coins, bullion and certificates into U.S. dollars. While the Act successfully stopped the outflow of gold during the Great Depression, it did not change the conviction of gold bugs, those who are forever confident in gold's stability as a source of wealth.

Before investing in gold, you must understand its history - a history that, like that of no asset class, has a unique influence on its own demand and supply today. Gold bugs still cling to a past when gold was king. But gold's past includes also a fall, which must be understood to properly assess its future.

A Love Affair That Has Lasted 5,000 Years

For 5,000 years, gold's combination of luster, malleability, density and scarcity has captivated humankind like no other metal. According to Peter Bernstein's book "The Power of Gold: The History of Obsession", gold is so dense that one ton of it can be packed into a cubic foot.

At the start of this obsession, gold was used solely for worship. A trip to any of the world's ancient sacred sites demonstrates this. Today, gold's most popular use in the manufacture of jewelry.

Around 700 B.C., gold was made into coins for the first time, enhancing its usability as a monetary unit: before this, gold, in its use as money, had to be weighed and checked for purity when settling trades.

Gold coins, however, were not a perfect solution since a common practice for centuries to come was to clip these slightly irregular coins to accumulate enough gold that could be melted down into bullion. But in 1696, the Great Recoinage in England introduced a technology that automated the production of coins, and put an end to clipping.

Since it could not always rely on additional supplies from the earth, the supply of gold expanded only through deflation, trade, pillage or debasement.

The discovery of America in the 15th century brought the first great gold rush. Spain's plunder of treasures from the New World raised Europe's supply of gold five-fold in the 16th century. Subsequent gold rushes in the Americas, Australia and South Africa took place in the 19th century.

Europe's introduction of paper money occurred in the 16th century, with the use of debt instruments issued by private parties. While gold coins and bullion continued to dominate the monetary system of Europe, it was not until the 18th century that paper money began to dominate. The struggle between paper money and gold would eventually result in the introduction of a gold standard.


The Rise of the Gold Standard

The gold standard is a monetary system in which paper money is freely convertible into a fixed amount of gold. In other words, in such a monetary system gold backs the value of money. Between 1696 and 1812, the development and formalization of the gold standard began as the introduction of paper money posed some problems. (Learn more in What Is Money?)

In 1797, due to too much credit being created with paper money, the Restriction Bill in England suspended the conversion of notes into gold. Also, constant supply imbalances between gold and silver created tremendous stress to England's economy. A gold standard was needed to instill the necessary controls on money.

By 1821, England became the first country to officially adopt a gold standard. The century's dramatic increase in global trade and production brought large discoveries of gold, which helped the gold standard remain intact well into the next century. As all trade imbalances between nations were settled with gold, governments had strong incentive to stockpile gold for more difficult times. Those stockpiles still exist today.

The international gold standard emerged in 1871 following the adoption of it by Germany. By 1900, the majority of the developed nations were linked to the gold standard. Ironically, the U.S. was one of the last countries to join. (A strong silver lobby prevented gold from being the sole monetary standard within the U.S. throughout the 19th century.)

From 1871 to 1914, the gold standard was at its pinnacle. During this period near-ideal political conditions existed in the world. Governments worked very well together to make the system work, but this all changed forever with the outbreak of the Great War in 1914.


The Fall of the Gold Standard

With the Great War, political alliances changed, international indebtedness increased and government finances deteriorated. While the gold standard was not suspended, it was in limbo during the war, demonstrating its inability to hold through both good and bad times. This created a lack of confidence in the gold standard that only exacerbated economic difficulties. It became increasingly apparent that the world needed something more flexible on which to base its global economy.

At the same time, a desire to return to the idyllic years of the gold standard remained strong among nations. As the gold supply continued to fall behind the growth of the global economy, the British pound sterling and U.S. dollar became the global reserve currencies. Smaller countries began holding more of these currencies instead of gold. The result was an accentuated consolidation of gold into the hands of a few large nations.

The stock market crash of 1929 was only one of the world's post-war difficulties. The pound and the French franc were horribly misaligned with other currencies; war debts and repatriations were still stifling Germany; commodity prices were collapsing; and banks were overextended. Many countries tried to protect their gold stock by raising interest rates to entice investors to keep their deposits intact rather than convert them into gold. These higher interest rates only made things worse for the global economy, and finally, in 1931, the gold standard in England was suspended, leaving only the U.S. and France with large gold reserves.

Then in 1934, the U.S. government revalued gold from $20.67/oz to $35.00/oz, raising the amount of paper money it took to buy one ounce, to help improve its economy. As other nations could convert their existing gold holdings into more U.S dollars, a dramatic devaluation of the dollar instantly took place. This higher price for gold increased the conversion of gold into U.S. dollars effectively allowing the U.S. to corner the gold market. Gold production soared so that by 1939 there was enough in the world to replace all global currency in circulation.

As World War II was coming to an end, the leading western powers met to put together the Bretton Woods Agreement, which would be the framework for the global currency markets until 1971. At the end of WWII, the U.S. had 75% of the world's monetary gold, and the dollar was the only currency still backed directly by gold.

But as the world rebuilt itself after WWII, the U.S. saw its gold reserves steadily drop as money flowed out to help war-torn nations as well as to pay for its own high demand for imports. The high inflationary environment of the late 1960s sucked out the last bit of air from the gold standard. (Learn more in An Introduction To The International Monetary Fund.)

In 1968, a gold pool (which dominated gold supply), which included the U.S and a number of European nations stopped selling gold on the London market, allowing the market to freely determine the price of gold. From 1968 to 1971, only central banks could trade with the U.S. at $35/oz. Finally, in 1971, even this bit of gold convertibility died. Gold was free at last. There was no further reason for central banks to hold it.

Summary


While gold has fascinated humankind for 5,000 years, it hasn't always been a guarantee of wealth. A true international gold standard existed for less than 50 years (1871 to 1914) - in a time of world peace and prosperity that coincided with a dramatic increase in the supply of gold. But the gold standard was the symptom and not the cause of this peace and prosperity.

The events of the Great War changed the political, financial and social fabric of the world - the international gold standard would be no more. While a gold standard continued in a lesser form until 1971, the death of it had started centuries before with the introduction of paper money - a much more flexible instrument for our complex financial world.

by Investopedia.com


Read more: http://www.investopedia.com/articles/05/030705.asp#ixzz1W5jkx5kE

Comparison With Other Investment Products 5 Sept 2011

There is a special highlight on how to handle the current challenges in present market conditions on the above mentioned date.  Do not miss it!