I saw your deleted post. You were asking why pokemon/doeramon so defensive as the questions are general questions and who cares what patlu thinks. I think I deserved an answer from doraemon. Went back to 28 pages of this topic. Couldn't find a straight answer as this topic is filled with personal opinions (even though derived from info/facts) from both sides which I believe attempts to influence others to support them. Support I don't need, facts, I crave.

100% agreed. Both "for" and "against" need to be objective too. Unfortunately, most forummers here became personal when being asked "difficult" questions. If dont know the answer, just admit rather than giving loose opinions.

I dont agree with you. My observation, both camps have their lousy moments. I saw too many assumptions and innuendos. Interpreting and twisting facts as they saw fit.

My last questions to doraemon were redirected for whatever reason that he has; therefore looks like I'm not going to find my questions answered here. :-(

Read my first posting in this thread.

5. False because after 10 months (20% divided by 2%) you would have got back all 20% excess that you have paid. If the company is still in business after 10 months and you continue to do the same, then every month you are making nett returns of 2%

6. You will only rugi if the company go bust before that 10 months because you would not have got back the 20% excess that you have paid because with the gold in hand, you can only sell it at spot/bank/wholesale price to the bank/goldsmith.

Didn't I give another example at 18 months with the real gain (money in hand) cf FD? The hibah or whatever you might call still comes from the same source as in my first example (6 months) or no matter how long you are in it, ie if you buy and sell back repeatedly to[ the gold company. Just use your brain a bit lah to extrapolate!

How can I be a scammer when I don't gain anything? As I mentioned before, I'm just sharing info and experience. If from my info you think it's a scam, then please don't risk your hard-earned money. You don't have to take the risk. At least my info is useful in helping you to make a decision. That's the purpose of this forum. But to accuse somebody of being a con when you can't grasp the whole thing, it is unwarranted and an abuse of this forum. Enjoy a pleasant and safe holiday, howzat.

Forget 10 months...they dont offer that. 6 months max.

You should read few pages back about

a) No guarantee buyback
b) Price to be at their 'discretion'
c) New conditions of purchase

If b00n could understand and grasp the whole thing from the various examples I gave, I  can only sympathies with howzat and those who are still asking questions which are already answered in my examples. What about others? Can you guys grasp where the "hibah" comes from with repeated buying and selling beyond 10 months? There is nothing more to answer. My examples are simple enough!

Howzat, if you still don't get it, just avoid gold trading! Easy as that! Nobody is forcing you and I definitely am not trying to con you or any others. If I am trying to lure mentally challenged people with lots of money, why did I even bother to list out precautions to take and check out?

5. False because after 10 months (20% divided by 2%) you would have got back all 20% excess that you have paid. If the company is still in business after 10 months and you continue to do the same, then every month you are making nett returns of 2%

Check also point 7 and examples C, D and E. If you still don't get it, I don't give a damn! I'm not going to waste my holidays entertaining an idiot!

Another thing, this is different from Ponzi because you have the gold with you (definitely worth something, don't you think so , kaka23?) instead of a worthless piece of paper  when the company go bust. At least you still have the principal.*

*ie. after you have collected monthly "hibah" amounting to the mark-up (10 months  in my example) 
NB: The above footnote is only for those who are incapable of deduction.