Banking

Ada orang tu update blog.Nak jugak lahh.haha

I just want to share to people about the history of money and the distribution of power in the world today.

A long time ago, banks were actually vaults that their job was only to keep gold securely. The method used was that the customers who deposit gold will get a receipt, that implies his assets in the bank. After a few years, the receipt become a new form of transaction. People saw that by exchanging receipts is much easier than withdraw gold from the bank, trade and deposit leftovers. 

Therefore, the bank saw an opportunity out of this. They came up with the idea called the reserve ratio. Reserve ratio is the ratio of people withdrawing gold from the total amount of gold per annum. Example, in the year 18XX, about 100 kg of gold is withdrawn from a total of 1000kg gold in their vault. The reserve ration is 10%.

They started to print out more receipts, with the reserve ratio provided. If they have a reserve ratio of 10%, 90% more of receipts are printed out to be loaned as people do not even claim the invisible 90% gold. Banks started to increase their loans, and consumer pay with interests. In the end of the day, the banks get money from interest and they do not cost anything as the excessive receipts can be dumped or loaned back when returned.

The receipts that they print is in the form of token money (they called it that and i dunno why). These token money can also be deposited in banks for the people's safety. Again, not much people withdraw their money. The banks then decided to make a reserve ratio of the unbacked gold token money. This increases the money supply in the market and thus creates more loans and profit for banks. People spend more, and banks gain more.

However, during this time, there were a lot of banks and they compete with each other. There are banks that collected other banks token money and demanded for gold in a single working day. This causes the bank to collapse as the gold is not actually there. After a few bank wars, government intervenes in the market to stabilize the situation. They made all banks use the same type of money,so that there is only one type of money in the market. This money is called state money.

The federal government then saw a way to increase profits for banks, and saving their business in case anything happens. They made it compulsory for banks to deposit some amount of money to the federal treasury, as a reserve. Then they gave license to make a reserve ratio out of the federal reserve, so that banks can print more money. This is called the double pyramid mechanism.

After a few while, international trade become more popular. The difference in currency between countries made countries realize they need a strong currency to hold on. Currently, it is the US dollar. All the currency then rely on US dollar as a state money and made a reserve ratio out of it, according to countries. Government then did the double pyramid system again nationwide so that they have abundant money supply.

Now you know how many times our money is unbacked? In current banks, they don't even possess any gold. They made the banks very exclusive and luxurious so that people will have confidence and don't withdraw money from them. The more the money supply in the bank, the bigger the volume of money accordance to the reserve ratio.

If the world uses Gold Dinar as a form of money, it will always be backed up as the gold is in our hands. 

This what happens if we lose humanity, and only care about profit.

The poison and the cure

For once we thought we're right.
For once we thought we're true.
For once we thought that it's fine.
And then we realized.

All of things that we had done is not enough.
All the things we have is not enough.
You are still crying, because of me.
because I did not become a true reminder.

Then He changed your mind,
becoming a princess whose prince had gone far away,
Alhamdulillah, it triggered my heart, to come back to you.

To come back to HIM.
By giving me thoughts,
What I'm supposed to do.
What I should do.
So that you will always smile,
and close to my heart.


Alhamdulillah.
Now, I feel like I'm drinking a bottle of poison,
full of pain in my heart.
The pain spreads through every inch of my body, my soul.
It goes down deep inside,
making me remember the past we had.

And if I keep thinking like I did,
a very negative person,
Indeed, the poison will remain a poison.
but now I've changed,
Because I know that the poison is actually a cure,
for the disease we are having;
That is being very far from HIM.

So be patient myprincess,
everything will be fine,
As long we follow the true path.

 InsyaALLAH.......

Or do you think that you will enter Paradise while such [trial] has not yet come to you as came to those who passed on before you? They were touched by poverty and hardship and were shaken until [even their] messenger and those who believed with him said,"When is the help of Allah ?" Unquestionably, the help of Allah is near.

Surah Al Baqarah (2:214)

Lots of Smile

This few days, I felt so happy. Being so close to her, even if she's far away. I don't want to lose anything. I don't want to lose any second with her. Being far away now is a good thing, as it trains us to the future that we chose. I realized that we have to change first, to who we really are, to know our religion, then i'm sure that we'll be perfect together. And I'm happy we're progressing. Even if it's slow, it is very effective. I've changed. You've changed.

Don't worry my dear, how different He make our paths, we will be together in he end....
This is a test, and we'll get through it.

Why you

Life is unfair,
that's what I always think.
Life is cruel,
That what happens to everyone.
Life is just a lie,
That's a fact.

But you....

You gave me the hope, the light,

you gave me the love, the passion,

you gave me the trust, the spirit,

you gave me a real life.

A life that is priceless,
that I would never let go,
A life that I thought never exist,
A life that is full of happiness.

Believe me, you are the sun,

you are my life, 

you are the one I always remember

before I go to sleep at night,

you are my princess. 

Alhamdulillah, HE brought me to you,
HE sent you to guide me,
HE made u gave life to me,
HE showed me the right path,
the path of the pious and
to be together with you; blessed
here and in the hereafter.

Just be patient my princess,

it's a long road

and we'll get through it.

Please get better, I need you, always.....

HELLO!!!!

The holidays just passed, and i'm freakingly tired!!
I had a good time at home and one day, everything went wrong. I tried to impress someone, who is very important, someone i want to impress but it turns out to be a disaster. Being the 'full-of-something' me is something i rarely do and guess what? That person doesn't like me!

Hmmm...seriously, i had a hard time digesting it. But after a few while and some consultation of my very goody buddy...I regained my smile. I thought back, i should just be my self. Just be grateful of what you are. Don't try to be someone else, bcoz it will hurt ur loved ones. Bcoz they always love u for who u are.

I think that's all I want to say. I don't want to make this article an eyesore, or broadening up on this issue. Well, thanks to that person who's always with me, always.

And thank you ALLAH.

Hello!!!!

Jakon pulak menulis blog nih.haha. Well, after 3 weeks being a total nerd now I'm back home just to get some very rare food in lembah beringin (McD)!!!!!

Yeay!!! Seriously, dah lama gila x makan.tapi nafsu ni kene tahan jugak.kalau x jadi gemok mcm dulu. sekarang dah tough dah (ada org mengaku kayh!!). walaupun 2 hari je, I'm still looking foward to have a very nice weekend at home. No place feels better than home. Even chalet yg banyak makanan pon ( L44 ).

My studies??Erm....I think i understand what i learn in all subject but applying it is a big problem. Sometimes i just dont know which one to put or not, resulting in excessive and unneccessary information in the answer sheets!!! I'm trying to improve, especially in trying to search for my study spot in KY.I can't find one.I had once, but it's gone now :'(. Guess I still have to find a new one!!

okay, dah habis merepek.thank you so much kalau anda membaca. Sometimes I mmg xde keje. Merepek. Tapi still AWESOME. xD

ThE bEsT tHiNg In My LiFe

Whewww!!!


At last I got to penetrate in this blog account.It has been so long since i write in this blog.
I just want to share to all, that what happened to me in KYUEM was the best thing ever. I never thought that things would be so different. A-levels is so much like the education system in Malaysia (SPM, PMR, UPSR.....), but I've found something that is really important to me. Something that keeps me going. That keeps me on the right track, that diversify my life from plain black and white to various colors. This is the first time i was 100% determined on a long-going mission, the first time i put whole effort and support in a particular event. 


Then, what is it?is it academic reasons?well, part of it. But there is one thing that makes me stronger everyday. That makes me who i really am. It is the passion. I need the passion in my self. I found passion here, physically and also metaphorically. I really need it in my life. That's why I will fight for it, improve it, maintain it, so that I will always be alive, and the passion also will always be there.


So let's all of us make a change, like Obama said 'It's time for change' in his manifesto speech. Let's be different. Accept improvement. It will always lead to a better life. 


Right now, majority of people are changing. When's your turn? Create opportunity. Don't wait.


Surah Al Hadid - 16. (when is the time?)

akhirnya dah keje!!

Sorry for the late update.been busy  with spm n stuff (turned out quite well actually) so sekarang tengah cuti!!nothing much lah.on9.facebooking.ym-ing.haha. ingat kan nak berjoli betul2.pegi mountain climbing ke.carik awek baru ke.hehs.i end up teaching accounts for my juniors in the same ol Sekolah Alam Shah.Haish. I should really get  a life sometime.

Ok. that was my sister disguising as me. She likes to merepek a lot. But sometimes she's cool. haha (love u btw sis)

So. Err.teaching. Never thought of it as way to start my career but hell, i'm bored anyway with nothing else to do and the PIBG said they're gonna pay me good money. rm500 for two weeks. Okay. maybe not so good but it's going to be my first salary so never mind-lah! haha.My first class was on last thursday :)

It's tiring, you know. talking and teaching them, showing them this and that for 2 hours full. I guess my teaching skills are not that impressive anyway cos after approximately 20 mins, half of the class started to doze off.some even snored loudly. apa lagi, me terus gets bloody annoyed by this. i felt like throwing my shoes to each and every one of their sleepy heads.but remembering those days when i actually did  exactly what  these kids were doing during Mod Math classes (both in f4 and f5) i mustered all of my patience and kept on teaching.

So i guess i knew what  teachers have to face when they come to work every day. i'm going to thank them next time i bump into them.Ceh. macam cerita yg memberi pengajaran la pulak.haha

Next class is tomorrow so i better be prepared on what to ramble on.

p/s : got a new phone. thnx mom and dad!

BARU ABIS TRIAL!!!!!!!

WoW!!!!!!

Baru je abis trial SBP...
haish, memang payah. X leh nak ckp pape lar psl periksa kali nie, cume nampak yang sbenarnye kebanyakan pelajar SBP x bersediauntuk menghadapi peperiksaan SPM 2009.

Namun, semangat kerjasama yang utuh dipertontonkan oleh f5 SASSIAN sewaktu bersedia menghadapi peperiksaan. Waktu nie mlm2 mane ada kelas ngan cikgu, tapi kelas setiap malam ade.....
Pelajar la yg  buat, nak menolong rakan-rakan. Waktu nie sikap pentingkan diri sendiri perlu dibuang jauh2.
Kita perlu bantu rakan-rakan kita yang dalam kesusahan dan sebenarnya.......................






Mengajar orang lain adalah lebih baik dari mengulang kaji sendiri...
Rasulullah juga mengatakan, "Sampaikanlah walau satu ayat".

Oleh itu, diharap semua pelajar will strive for the best for the coming examination.

UNITY FOR SUCCESS

Jalinan Ukhwah SAS

Kita baru sahaja habis dengan program minggu salam jalinan ukhwah..
Banyak aktivti telah dijalankan dan diharap agar kesatuan dapat dicapai..
Kita hendaklah menghindari perkara seperti pergaduhan besar yang berlaku pada tahun lepas..

Minggu salam jalinan ukhwah sebenarnya bukan sahaja membangkitkan isu perpaduan antara pelajar teapi juga perpaduan satu sekolah..Namun, projek ini boleh dikira gagal kerana tidak mencapai matlamat iaitu menyatukan seluruh sekolah

Hanya beberapa individu yang mahir dalam setiap aktiviti mengambil bahagian...bagaiman pula dengan mereka yang tidak terlibat???? Adakah mereka semua boleh dikira sebagai satu komuniti atau tidak kerana aktiviti-aktiviti salam jalinan ukhwah ini tidak diambil bahagian oleh mereka.

Mungkin generasi pelajar SSAS gemilang pada masa akan datang boleh mengilhamkan sebuah projek yang benar-benar menyatukan seluruh warga ALAM SHAH...