CIMB ASB-i menawarkan pinjaman ASB yang berjangka masa pendek dan panjang yang mana masa tempoh masa yang paling panjang adalah 30 tahun. Saya lebih mencadangkan anda membuat pinjaman yang berjangka masa panjang berbanding yang berjangka pendek kerana ia sangat berpotensi untuk jana keuntungan 7-9% setahun. Bagi pinjaman yang berjangka pendek ia adalah tidak menguntungkan. Contohnya sekiranya anda membuat pinjaman ABB sebanyak RM100k untuk 30 tahun maka bayaran bulanan adalah rm549 dan keuntungan yang diperoleh untuk satu tahun adalah anggaran Rm7000- Rm8000. Bayangkan keuntungan yang diperoleh untuk tiga tahun yang pertama rm24k (8000 x 3) dan tahun berikutnya. Ia sangat menguntungkan. Jadi jangan bazirkan peluang ini kerana masa tidak menunggu kita.
Wednesday, 15 July 2015
Thursday, 2 July 2015
What does Security Edges and Milled Edges mean
Edges of Coins
A plain edge has no marking of any kind on the edge, applied with a simple, flat collar die. In modern times, almost without exception, only base-metal coins had this kind of edge. Australian bronze coins and American cents and 5 cents have plain edges.
A grooved edge is plain, but has a deep score or groove halfway across, all the way around the rim. The initial reaction of someone seeing such a coin for the first time is "it looks like two coins glued together". The 2 eurocent is an excellent example of this feature.
A reeded/milled edge has fine serrations like a file, all the way around the rim. Normally the reeding is vertical, but some early experiments had slanted reeding. Most modern silver and gold coins world-wide, and most of their cupronickel successors, have this kind of edge, also popularly known as a milled edge or filed edge.
A security edge is a combination of grooved and reeded edge; often the furrow of the groove is decorated with a pattern (dots, lettering or some such) to make it even harder to duplicate. Hong Kong and India are traditional users of this kind of edge, though the high cost of applying it and the removal of precious metal from circulating coins have largely rendered this kind of edge obsolete.
An inscribed edge has text around the rim. On older coins (like Maria Theresa thalers, US gold coins and British crowns), this text was placed on the collar die. Modern versions (like the USA Presidential Dollars) tend to use a second stage in the minting process to add the edge inscriptions.
A decorated edge is similar to the inscribed edge, but patterns and symbols instead of letters are used. This term could be applied to the circles-and-rectangles pattern applied to Spanish "portrait" dollars, and to the recurring stars seen on many of the 2 euro coins.
An interrupted reeded edge has alternating sections of reeded and plain edge. The 1 euro and Australian $1 circulating coins are classic examples of interrupted reeding. The Australian $2 also can be considered to have interrupted milling, though the spacing is different.
An indented edge is a plain or milled edge with several indents or notches regularly spaced around it. This type of edge has recently come into fashion; the 20 eurocent and new New Zealand 20¢ coin have this kind of edge, also known as "Spanish flower".
A herringbone edge is a specific kind of decorated edge, and resembles an early attempt at reeding; the pattern on the rim forms a series resembling interconnected arrows, or a "fish-bone" pattern. The Spanish "pillar dollar" of the early 1700's is a classic example of this kind of edge.
A serrated edge is the term usually applied to ancient Greek and Roman coins with v-shaped notches painstakingly carved into the coin at regular intervals. Apparently a very crude attempt at applying something resembling a reeded or security edge.
Polygons like the Australian dodecagonal 50¢ coins and British 20p and 50p coins, and scalloped coins like the Hong Kong $2 coin are normally considered to be different shapes, rather than having a "12-sided edge" or "scalloped edge". Such coins normally have plain edges; reeding or other patterns aren't easily applied to odd-shaped planchets.
A plain edge has no marking of any kind on the edge, applied with a simple, flat collar die. In modern times, almost without exception, only base-metal coins had this kind of edge. Australian bronze coins and American cents and 5 cents have plain edges.
A grooved edge is plain, but has a deep score or groove halfway across, all the way around the rim. The initial reaction of someone seeing such a coin for the first time is "it looks like two coins glued together". The 2 eurocent is an excellent example of this feature.
A reeded/milled edge has fine serrations like a file, all the way around the rim. Normally the reeding is vertical, but some early experiments had slanted reeding. Most modern silver and gold coins world-wide, and most of their cupronickel successors, have this kind of edge, also popularly known as a milled edge or filed edge.
A security edge is a combination of grooved and reeded edge; often the furrow of the groove is decorated with a pattern (dots, lettering or some such) to make it even harder to duplicate. Hong Kong and India are traditional users of this kind of edge, though the high cost of applying it and the removal of precious metal from circulating coins have largely rendered this kind of edge obsolete.
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| Security Edge (SE) and Milled Edge (ME) |
An inscribed edge has text around the rim. On older coins (like Maria Theresa thalers, US gold coins and British crowns), this text was placed on the collar die. Modern versions (like the USA Presidential Dollars) tend to use a second stage in the minting process to add the edge inscriptions.
A decorated edge is similar to the inscribed edge, but patterns and symbols instead of letters are used. This term could be applied to the circles-and-rectangles pattern applied to Spanish "portrait" dollars, and to the recurring stars seen on many of the 2 euro coins.
An interrupted reeded edge has alternating sections of reeded and plain edge. The 1 euro and Australian $1 circulating coins are classic examples of interrupted reeding. The Australian $2 also can be considered to have interrupted milling, though the spacing is different.
An indented edge is a plain or milled edge with several indents or notches regularly spaced around it. This type of edge has recently come into fashion; the 20 eurocent and new New Zealand 20¢ coin have this kind of edge, also known as "Spanish flower".
A herringbone edge is a specific kind of decorated edge, and resembles an early attempt at reeding; the pattern on the rim forms a series resembling interconnected arrows, or a "fish-bone" pattern. The Spanish "pillar dollar" of the early 1700's is a classic example of this kind of edge.
A serrated edge is the term usually applied to ancient Greek and Roman coins with v-shaped notches painstakingly carved into the coin at regular intervals. Apparently a very crude attempt at applying something resembling a reeded or security edge.
Polygons like the Australian dodecagonal 50¢ coins and British 20p and 50p coins, and scalloped coins like the Hong Kong $2 coin are normally considered to be different shapes, rather than having a "12-sided edge" or "scalloped edge". Such coins normally have plain edges; reeding or other patterns aren't easily applied to odd-shaped planchets.
Paper Money Grading: UNC, AVF, VF, GVF & GEF
GRADING SCALE FOR MONEY PAPER
SKALA PENGUKURAN/ KEADAAN DUIT KERTAS
Abbreviations
SKALA PENGUKURAN/ KEADAAN DUIT KERTAS
Abbreviations
| AGW | Actual Gold Weight |
| ASW | Actual Silver Weight |
Gradings
| Unc | Uncirculated |
| BU | Brilliant Uncirculated |
| AU | Almost Uncirculated |
| gEF | Good EF |
| EF | Extremely Fine |
| aEF | Almost EF |
| gVF | Good VF |
| VF | Very Fine |
| aVF | Almost VF |
| gF | Good Fine |
| F | Fine |
| aF | Almost Fine |
| VG | Very Good |
| aVG | Almost VG |
| G | Good |
The grading F/VF denotes that the obverse is F and the reverse VF. The grading F-VF is used when a lot contains two or more coins of differing grade, and denotes that the coins range in condition between F and VF.
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