Friday, June 6, 2014

Electricity & Magnetism for diploma students

All the information related to this course will be uploaded here.
Tq

Tuesday, January 28, 2014

Wednesday, October 2, 2013

Kata Pemeri

Nik Safiah et. Al. (2004) mendefinisikan kata-kata pemeri tersebut seperti yang berikut :
(a)     Ialah – menunjukkan persamaan dan hadir di hadapan frasa nama
(b)     adalah – menunjukkan huraian dan hadir di hadapan frasa adjektif dan frasa sendi nama

Yang berikut ialah kesilapan yang berlaku semasa penggunaan kata-kata pemeri dalam lisan dan penulisan.
1.       Kesilapan penggunaan kata adalah di tempat ialah :
SALAH
BETUL
a.       Anak adalah anugerah Allah.
b.       Beliau adalah orang yang pertama membiakkan …
c.        Kaum wanita adalah elemen…
d.       Malaysia mesti mempunyai rakyat yang sejumlah besar daripadanya adalah orang-orang yang berpendidikan.
e.       Masalah yang kita hadapi adalah kekurangan pendapat yang bernas.
f.         Matlamat NURY adalah pembinaan masyarakat yang cemerlang.
g.       Memandangkan TYT Tuan adalah bekas Pengerusi Lembaga ..
h.       Perkara ini adalah masalah yang tidak mudah diatasi.
i.         Sepak takraw adalah sukan yang elok dipertandingkan.
a.       Anak ialah anugerah Allah.
b.       Beliau ialah orang yang pertama membiakkan…
c.        Kaum wanita ialah elemen…
d.       Malaysia mesti mempunyai rakyat yang sejumlah besar daripadanya ialah orang-orang yang berpendidikan.
e.       Masalah yang kita hadapi ialah kekurangan pendapat yang bernas.
f.         Matlamat NURY ialah pembinaan masyarakat yang cemerlang.
g.       Memandangkan TYT Tuan ialah bekas Pengerusi Lembaga ..
h.       Perkara ini ialah masalah yang tidak mudah diatasi.
i.         Sepak takraw ialah sukan yang elok dipertandingkan.

2.       Kesilapan penggunaan kata ialah di tempat adalah :
SALAH
BETUL
a.       Kursus ini ialah untuk ..
b.       Tarikh kerja pembaikan lif dijangka siap ialah pada ….
a.       Kursus ini adalah untuk ..
b.       Tarikh kerja pembaikan lif dijangka siap adalah pada

3.       Kesilapan penggunaan kata adalah di hadapan kata kerja
SALAH
BETUL
a.       Matlamat utama unit ini adalah membantu pihak pengurusan melaksanakan tanggungjawabnya secara berkesan.
b.       Satu usaha yang dijalankan adalah menerbitkan risalah penerangan untuk tatapan masyarakat.
a.       Matlamat utama unit ini adalah untuk membantu pihak pengurusan melaksanakan tanggungjawabnya secara berkesan.
b.       Satu usaha yang dijalankan adalah untuk menerbitkan risalah penerangan untuk tatapan masyarakat.

4.       Kesilapan penggunaan kata adalah pada awal ayat.
SALAH
BETUL
a.       Adalah dengan ini dimaklumkan bahawa ..
b.       Adalah diharapkan dengan pemilihan ini ..
c.        Adalah dimaklumkan bahawa …
d.       Adalah diumumkan bahawa …
a.        Dengan ini dimaklumkan bahawa ..
b.        Dengan  pemilihan ini ..
c.         Dengan ini dimaklumkan bahawa …
d.        Dengan ini diumumkan bahawa …

Thursday, February 9, 2012

Critical Warning # 6

Just sharing..

His first five predictions have already come true!Critical Warning Number SixFail to heed this final warning at your own risk!Dear ReaderSomething very big will happen in America within the next 180 days.It will be more devastating than the credit crisis of 2008.

For most people, it will hit them like a brick wall.It will touch Americans harder and deeper than anything else we’ve seen since the Great Depression.I feel so strongly about the critical warning I’m about to give you, I’ve decided to document it in this audio-video presentation. And I’ve labeled this a controversial video, because most people will not like what I have to say…they will find it hard to believe until they see all the facts as I present them.

My name is Michael Lombardi. You may have heard of me. Maybe you are one of the hundreds of thousand of investors who get my daily Profit Confidential column.Or maybe you’ve heard of my company, Lombardi Publishing Corporation. I started it back in 1986. It’s served over one million customers in 141 countries since then.

Over the past decade, I’ve been widely recognized as the predictor of five major economic events.Here they are for you in black and white:In 2002, I started advising my readers to buy gold-related investments. Gold bullion sold for less than $300 an ounce back then. In fact, in 2002, I put all of my retirement money, and all of my wife’s, in gold-related investments. I’ve been pushing gold for almost 10 years now.In 2006, I begged my readers to get out of the housing market. I have nothing to hide. This is the exact e-mail alert I sent to my readers on March 1, 2006:“The proof the party is over in the U.S. housing market could not be clearer to me. The price action of the new-home builder stocks is telling the true story—these stocks are falling in price daily and the media is not picking it up. The latecomers to the U.S. housing market may end up looking like the latecomers to the tech-stock rally that ended so abruptly in 1999.”Remember, I wrote the above in 2006 when the last thing on people’s minds were declining real estate prices.

In late 2006, I started predicting that the U.S. economy would be in a recession in late 2007. Here’s what I said back on November 13, 2006:“It’s disappointing more hasn’t been written on the popular financial sites and in the newspapers about the real threat of a recession happening in 2007. I want my readers to be fully aware of my economic opinion: I wouldn’t be surprised to see the U.S. economy in a recession sometime in 2007. In fact, I expect it.”Again, I wrote this back in late 2006—and everyone thought I was way off…until the actual recession hit.

By the spring of 2007, I was giving dire warnings to my readers about the economy. On March 22, 2007, I sent this e-mail dispatch to my readers:“Over the past few weeks I’ve written about subprime lenders and how their demise will hurt the U.S. housing market, the economy and the stock market. There’s no escaping the carnage headed our way because the housing market and subprime business are falling apart. The worst of our problems, because of the easy money made available to borrowers, which fueled the housing boom that peaked in 2005, have yet to arrive.”I was warning about the severe global recession we experienced in 2008 and 2009 long before anyone else.And I totally predicted the 2008 economic massacre that later become simply labeled the “credit crisis.”

On November 29, 2007, I wrote my followers:“The Dow Jones Industrial Average, the S&P 500 and the other major stock market indices finished yesterday with the best two-day showing since 2002. I’m looking at the market rally of the past two days as a classic stock market bear trap. As the economy gets closer to contraction, 2008 will likely be a most challenging economic year for Americans.”Years after I wrote the above, it was widely recognized that October 2007 was the top for the stock market. And, yes, 2008 was the worst year for the U.S. economy since the Great Depression.Finally, I correctly predicted the crash in the stock market of 2008 and early 2009. I even wrote an obituary on the stock market in the fall of 2008 that made me somewhat of a forecasting legend:Here’s what I e-mail-blasted to over 100,000 people on October 6, 2008:“A Stock Market’s Obituary: It is with great sadness that we announce the passing of the Dow Jones Industrial Average. After a strong and courageous battle, the Dow Jones fell victim to a credit crisis and finally succumbed on Friday, October 3, 2008, when it fell decisively below the mid-point between its 2002 low and its 2007 high.”The Dow Jones Industrial fell approximately 40% after I wrote this now famous “Stock Market Obituary,” finally hitting bottom on March 9, 2009, when the Dow Jones Industrial Average hit 6,440.Then…at the depth of the dark days of March 2009, I sent an e-mail alert to my thousands of readers and told them to “jump into the stock market with both feet. “I turned bullish on stocks in March of 2009 and rode the bear market rally from 6,440 on March 9, 2009, to 12,876 on May 2, 2011—a gain of 99%.

On May 2, 2011 I told my readers a stock market crash was headed our way. From May 2, 2011 to October 4, 2011, the Dow Jones Industrials fell 2,472 points.To recap my big five predictions that all came true, I:Told my readers to get into gold in 2002;Told them to get out of the housing market in 2006;Predicted the recession of late 2007;Told my readers to get out of stocks in the fall of 2008; andTold my readers to get back into stocks in March of 2009.I didn’t spend the last five minutes of your time telling you about my five key predictions so I could pat myself on the back. Far from it.In fact, I’m a humble person who prefers a low-key profile. I have a Master’s Degree in International Finance from one of Europe's oldest universities. Most importantly, I’m a successful businessman with a deep love of economic analysis and the stock market.

What I’m about to tell you, my prediction number six, which is about to happen, is so off the wall, so controversial, I didn’t want you to think it was coming from some kind of quack. It’s coming from someone with a proven track record at making economic and financial forecasts.Let’s fast forward to February of 2012, where we are today.

The economy is slowing. Retail sales in the U.S. are running at their slowest pace in five months. After trillions of dollars the government has pumped into the economy to revive it, U.S. corporations ended the 2011 with their slowest profit growth in two years.Last year was the worst year for new home sales in the U.S. since 1963! And a glut of foreclosed resale homes still overhangs the housing market. Housing prices are set to fall again in 2012.What economist like me really like to look at, the underemployment rate (that’s the unemployment rate adjusted to include people who have given up looking for work and part-time workers who want full times work) stands stubbornly at 15% in the U.S.Banking is still a mess. Europe’s debt crisis is a huge problem for American banks; their exposure is close to $1 trillion.Many European countries are in a recession again and I believe the United States is on the cusp of falling back into a recession.

Some will call it a new recession. I will call it “Recession Part II.” But this is not the real problem.While my colleagues will dance around the issue, while other economists will not utter the words, I will put it in writing:“The U.S. is technically bankrupt.”Our budget deficit this year will be $1.3 trillion. Our official national debt exceeds $15 trillion and this past summer Congress gave the Obama Administration permission to increase our debt to $16.4 trillion. Our unofficial national debt, when you take into account unfunded liabilities and entitlement to our citizens, is closer to $100 trillion.

By the end of this decade, according to the White House’s own prediction, the official national debt will surpass $20.0 trillion—not including off-balance-sheet items like old-age security, Medicare, and other government promises to its citizens.And there’s also hidden government guarantees not on the government books…Fannie Mae and Freddie Mac own or guarantee half the residential mortgages in America. Who owns both of these companies now? Why, it’s the U.S. government. They “censured” both Fannie Mae and Freddie Mac on September 7, 2008.In effect, the government either owns or guarantees half the outstanding residential mortgages in this country.

According to data compiler CoreLogic Inc., some five million home mortgages in the U.S. were either in the foreclosure process or delinquent last month, exposing our government to even more losses.Politician after politician has failed to reduce government spending. Their belief is that spending more money will fix the economic problem. Well, they’ve spent trillions since 2008 and our economic problems are about to get worse.The U.S. government and the politicians that run it are addicted to spending more money than the government takes in. If we look at it conservatively, and only look at the government’s “official” figures, by the end of this decade, our national debt will be about 150% of our GDP—about the same level it was after World War II.Why we’ll never get out of this holeAfter World War II, America became a superpower. Our manufacturing base grew dramatically; the industrialized revolution was so great that the American dollar replaced gold as the reserve currency of other world central banks. There was a U.S. job boom.

Today, what do we have in America to carry us into the next boom? Nothing. The Internet isn’t creating jobs. Manufacturing, it’s gone to Mexico, India and China. I doubt George Washington ever envisioned a future where Americans would be suffering so much. It’s embarrassing, but true: Over 44 million people in this country are using some form of food stamps! (Source: National Inflation Association)America, the Empire, is history. The Standard & Poor's downgrading of the U.S.'s credit rating this past August 5th, 2011 is just the beginning.Going back in time a little…In an e-mail blast to thousands of my followers on July 21, 2005, I said,“The U.S. lowered interest rates in 2004 to their lowest level in 46 years. And what did Americans do with their access to easy money? They borrowed and borrowed some more, investing the borrowed money into real estate. Looking ahead, perhaps the Fed’s actions (of 2004) will one day be regarded as one of the most costly errors committed by it or any other banking system in the last 75 years.”

I was exactly right.Artificially low interest rates are actually causing us harmInterest rates have remained so low for so long that inflation will become a serious problem for America in the months and years ahead. With the price of gold having risen 500% in less than a decade, gold is screaming, “inflation ahead!”How does the government and an economy deal with inflation? Inflation is dealt with via higher interest rates.

Mark my words: The artificially low interest rate policies of the past few years will come to hurt us in the form of hyper-inflation and sharply higher interest rates.It will get worseMy prediction is not only that we are headed into Recession Part II—my prediction is that this next recession will also be much worse than the 2007-2008 recession and that it will hit as deep as the Great Depression.You see…Our government has no money left to bail us out during the next recession. The government is over-extended—if it was a business, it would be bankrupt right now.The Federal Reserve has kept the economy alive the past three years by keeping its printing presses running overtime.

Let’s face two important facts.The Fed can’t lower interest rates below the zero they are at today. The more money the Fed prints, the greater the risk of inflation, and the higher long-term interest rates will eventually move, stifling the economy.Let’s move to the stock marketDid you know there is a striking similarity between the years 1934-1937 and 2008-2011?Look at these facts:The stock market crashes in 1929. Eighty years later, in 2008, it does the same thing.The bear market rally that started in October 1934 lasted until August 1937—35 months—and took the Dow Jones Industrial Average from a level of 90 to 185, a gain of 106%. The Dow Jones then plummeted and didn’t recover until seven years later, 1944.So similar it’s frightening: The bear market rally that started in March 2009 has lasted 33 months so far and has resulted in the Dow Jones Industrials rising close to 100%.If the current bear market rally follows the same path as the bear market rally of 1934 to 1937, we have only a couple of more months left before the next phase of this bear market gets underway, ultimately bringing stock prices below their March 2009 lows.

This time around, for reasons I’ve just explained, the after-effects of the next leg of the bear market could be much worse than the Great Depression.At this point, I assume you are sitting there, watching and listening to this audio-video presentation and saying, “Okay, Michael, what you say is stark and frightening. But it makes sense, the way you’ve laid out the facts.”“So what do I do as an investor andconsumer to protect myself?”The good news is that you could protect yourself from the economic devastation headed our way over the next six months.

The better news is that, if you position your portfolio properly, starting today, you could actually make money during the next devastating down leg of this economy, while others struggle like never before.Here are my five core beliefs about what’s headed our way and how I plan to actually profit from them.1. The devaluation of the U.S. dollar that started in early2009 will accelerate as the U.S. economy deteriorates.After World War II, our government did a masterful job at convincing foreign central banks they should have U.S. dollars as their reserves instead of gold bullion.

Today, 70% of world central banks have adopted the U.S. dollar as their official reserve currency.As the value of the greenback erodes under a mountain of debt and coming rapid inflation, courtesy of too many dollars in the financial system (thank you, Federal Reserve), foreigners will be dumping dollars and moving away from a system where the greenback is the official reserve currency.See US$ chart Chart courtesy of www.StockCharts.comShorting U.S. dollars is too risky and complicated for most of my readers. But there is a simple, easier way to make money as the U.S. dollar continues to devalue.

There is an ETF you can buy that goes up when the U.S. dollar declines in value.This ETF is in the currency that I believe will rise the most against the U.S. dollar over the next two years. No, it’s not gold. It’s a fiat currency that is up close to 10% against the U.S. dollar over the past six months alone. It’s a currency of one of the economically strongest countries in the world.You put your money in this ETF, sit back, do nothing, and watch the value of the U.S. dollar fall as inflation and the national debt rise, and just watch this investment rise in value as the months go by.My analysts have recently completed a research report called The ETF Set to Skyrocket in Price as the Devaluation of the U.S. Dollar Continues.

We have hundreds of hours invested in researching, compiling and writing this report. My company plans to sell this report for $95. You can get it for free.2. Gold prices will continue to rise.When we look at the price of gold bullion today in inflation adjusted terms, it would need to be trading at $2,250 an ounce to be equal to its January 1980 price high of $850 an ounce.But my public predictions about where gold prices are headed have been much higher. I’m expecting gold to trade at $3,000 before the bull market in the yellow metal is over.

See Gold Price as of 4Jan12Chart courtesy of www.StockCharts.comHere’s an important fact I want you to be aware of:After reaching an all-time record high of $1,921 an ounce on September 6, 2011, gold bullion prices have fallen back.But we’ve been down this road many times before! In early 2003, the price of gold bullion fell 16%; in the summer of 2006 the price of gold fell 21%; from the spring to the fall of 2008 gold prices fell 28%; in the spring of 2009 gold prices fell 15%-- and each time the price of gold bullion recovered and moved higher by year’s end.

In fact, for 11 years running the price of gold bullion has closed each year higher in price than it started the year. The recent weakness in gold bullion prices (more like a correction in an ongoing bull market) is a tremendous opportunity for smart investors.I’m a big bull on gold. Rising inflation, a debasing U.S. dollar, out-of-control government spending, and a currency printing press that never seems to stop will continue to push the price of gold higher.But when I look at gold, if it moves from $1,700 or $1,800 to $3,000 an ounce over the next five years, as I expect it to, my gain will be close to 100%—as an investment, that’s not enough for me. I’m gunning for much bigger profits than that.The big winners of the gold bull market will ultimately be the gold mining stocks. Look at this way. If a gold company’s cost to produce one ounce of gold is $900, at a price of $1,800, they are making a 100% profit. But, at price of $3,000, they are making a profit of 233%—and the stock market will reward the stock by multiples of 233%.I’ve found a security that goes up in value when the stock prices of junior and senior gold producers rise.

We started following it at $30; it trades at $60 today. If gold bullion prices go to only $2,500, this security could triple in price to $180.My analysts have recently completed a research report called Single Best Leveraged Play for the Gold Bull Market. We have hundreds of hours invested in researching, compiling and writing this report. My company plans to sell this report for $95. You can get it for free.3. The euro is as done as the U.S. dollar.I’m blessed to be able to visit Europe once or twice a year to check on the economies of various European countries.

Let me tell you firsthand, things are much, much worse in Europe than we read in the mainstream media.

On October 27, 2011, the euro zone leaders said they would bail out Greece, with European banks taking a 50% haircut off the value of their loans to Greece. This means Greece has technically defaulted on its debt. I believe Spain and Italy are not far behind.Austerity measures are a difficult sell in Europe.

This past summer, Greek police needed to use tear gas to disperse 20,000 protesters at Greece’s Parliament House, as citizens demonstrated against the government’s wage cuts and tax increases.

By October 19, the organized protests grew to 70,000 people strong.2012 will bring stronger citizen protests in Europe thanks to even more severe austerity measures that will be introduced this year.Every morning, I wake up and ask this one question: when will Germany come to its senses and pull out of the euro? After all, Germany is the only real engine of the European Economic Community. Greece’s GDP…it’s less than 10% of Germany’s GDP.

The euro has declined steadily against the U.S. dollar. I actually envision a time when the richer European countries will tire of bailing out the poorer European countries (it’s actually happening right now), when each country will just go back to its own currency.

Ultimately, the euro will die, and with it the economies of the weaker European countries: Greece, Spain and Italy.There’s a stock you can buy that goes up in value as the euro declines in value. The stock currently trades under $18—I see a $30 price tag on it this year.My analysts have recently completed a research report called Making Money from the Sovereign Debt Crisis: How to Achieve Massive Profit from the Collapse of the Euro.

We have hundreds of hours invested in researching, compiling and writing this report. My company plans to sell this report for $95. You can get it for free.4. Inflation will become a real problem in America.According to the U.S. Bureau of Labor Statistics, the consumer price index (“CPI”) is running at 3.9% per year.While few are talking about it, inflation is a real problem in America. That’s what the rise in gold price has all been about: Gold is screaming: “Higher inflation ahead!”Thanks to years of monetary policies that promoted artificially low interest rates and printing presses churning out dollars in overtime mode, hyperinflation and American sovereign debt issues will become the biggest obstacles for the United States for the remainder of this decade and well into the next decade.

After falling for 30-years, short-term interest rates are bottoming out. The long-term 10-year U.S. Treasury, it’s yielding a pathetic 2%-- a 50-year low. All cycles come to end. And I believe we are near the end of a long-term down cycle in interest rates.While it may difficult to see today, and as crazy as it may sound, the government will be forced to raise interest rates to fend off inflation—just like it did in the early 1980s..
Higher interest rates will also put the proverbial remaining nails in the coffin known as the U.S. housing market.Now you see why I said at the very beginning of this presentation that it’s not for the faint of heart. Imagine our government, the economy, housing prices and the stock market all collapsing at the same time?But, for smart investors, there is more than just hope.

As history has shown us, where there is fear, there is also profit.We’re just putting the finishing touches on a special report that reveals an ETF that rises in value when interest rates rise. It’s called Inflation Hedge: Serious Profits from the New Multi-Year Trend of Higher Interest Rates. We have hundreds of hours invested in research, compiling and writing this report. My company plans to sell this report for $95. You can get it for free.5. The stock market will ultimately test its lows of March 2009,bringing the Dow Jones down 46% from where it sits today.

Yes, this is my final core belief: The bear market rally in stocks will lose steam somewhere in the next couple of months and move straight down to test its March 2009 lows.Phase One of a bear market brings stock prices down sharply. That’s what happened when the Dow Jones Industrial Average fell from 14,164 in October 2007 to 6,440 on March 9, 2009—a tumble of 54%.Phase Two of a bear market is when the bear lures investors back into stocks. The bear gives investors and analysts the false sense that the economy is improving and it’s okay to own stocks again. That’s where we are today. The bear did a masterful job at convincing investors to own stocks again…and, presto, the Dow Jones got back to 12,000.

But the bear market is getting old and “long in the tooth” as they say. If I compare this bear market rally to the 35-month bear market rally of October 1934 to August 1937, we have a couple of months left before Phase Three of this bear market gets underway—ultimately bringing stock prices below their March 2009 lows.How am I going to make money from this? Easy: I’m not going to short the market, because that’s too risky for most of my readers. I’m not going to buy put options, because they are too short in nature for Phase Three of the bear market.

What I plan to do is to buy a stock that goes up in price when the stock market falls. The stock is very liquid, it trades on a major American exchange at about $18. If the market tanks like I believe it will, this stock will easily move to $100, maybe even $125.

My analysts have recently completed a research report called Lombardi’s Secret Stock That Goes up When the Stock Market Goes Down. We have hundreds of hours invested in researching, compiling and writing this report. My company plans to sell this report for $95. You can get it for free.Putting it all togetherAt this point, you’re probably saying: “Okay, Michael. Everything you’ve said so far makes sense. Now, how do I get my hands on these five new reports you and your analysts have just completed?The ETF Set to Skyrocket in Price as the Devaluation of the U.S. Dollar ContinuesSingle Best Leveraged Play for the Gold Bull MarketMaking Money from the Sovereign Debt Crisis: How to Achieve Massive Profit from the Collapse of the EuroInflation Hedge: Serious Profits from the New Multi-Year Trend of Higher Interest RatesLombardi’s Secret Stock That Goes up When the Stock Market Goes DownWell, dear reader, I’m not going to sell them to you. I’m going to gift them to you.

All five of them, yours free, and in your hands via e-mail within 48 hours!How can I do that? These reports are very valuable. In the next few months alone, they can make or save you thousands of dollars, maybe even hundreds of thousands of dollars, depending on how big of an investor you are.Fortunes will be made as the decline in the value of the U.S. dollar continues, as gold prices rise, as the euro collapses, as inflation sets in and as the stock market succumbs to the devastation of the economy. You need to position yourself to be among those precious few making fortunes from these five events.

Sunday, March 28, 2010

Rubric bagi presentation Instrumentasi Asas


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