Online System For Unclaimed Money To Be Up Next Year

What Is Forex Trading ? – A Definition & Introduction What is Forex? – The basics… Basically, the Forex market is where banks, businesses, governments, investors and traders come to exchange and speculate on currencies. The Forex market is also referred to as the ‘Fx market’, ‘Currency market’, ‘Foreign exchange currency market’ or ‘Foreign currency market’, and it is the largest and most liquid market in the world with an average daily turnover of $3.98 trillion. The Fx market is open 24 hours a day, 5 days a week with the most important world trading centers being located in London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris, and Sydney. It should be noted that there is no central marketplace for the Forex market; trading is instead said to be conducted ‘over the counter’; it’s not like stocks where there is a central marketplace with all orders processed like the NYSE. Forex is a product quoted by all the major banks, and not all banks will have the exact same price. Now, the broker platforms take all theses feeds from the different banks and the quotes we see from our broker are an approximate average of them. It’s the broker who is effectively transacting the trade and taking the other side of it…they ‘make the market’ for you. When you buy a currency pair…your broker is selling it to you, not ‘another trader’. • A brief history of the Forex market Ok, I admit, this part is going to be a little bit boring, but it’s important to have some basic background knowledge of the history of the Forex market so that you know a little bit about why it exists and how it got here. So here is the history of the Forex market in a nutshell: In 1876, something called the gold exchange standard was implemented. Basically it said that all paper currency had to be backed by solid gold; the idea here was to stabilize world currencies by pegging them to the price of gold. It was a good idea in theory, but in reality it created boom-bust patterns which ultimately led to the demise of the gold standard. The gold standard was dropped around the beginning of World War 2 as major European countries did not have enough gold to support all the currency they were printing to pay for large military projects. Although the gold standard was ultimately dropped, the precious metal never lost its spot as the ultimate form of monetary value. The world then decided to have fixed exchange rates that resulted in the U.S. dollar being the primary reserve currency and that it would be the only currency backed by gold, this is known as the ‘Bretton Woods System’ and it happened in 1944 (I know you super excited to know that). In 1971 the U.S. declared that it would no longer exchange gold for U.S. dollars that were held in foreign reserves, this marked the end of the Bretton Woods System. It was this break down of the Bretton Woods System that ultimately led to the mostly global acceptance of floating foreign exchange rates in 1976. This was effectively the “birth” of the current foreign currency exchange market, although it did not become widely electronically traded until about the mid 1990s. (OK! Now let’s move on to some more entertaining topics!)… What is Forex Trading? Forex trading as it relates to retail traders (like you and I) is the speculation on the price of one currency against another. For example, if you think the euro is going to rise against the U.S. dollar, you can buy the EURUSD currency pair low and then (hopefully) sell it at a higher price to make a profit. Of course, if you buy the euro against the dollar (EURUSD), and the U.S. dollar strengthens, you will then be in a losing position. So, it’s important to be aware of the risk involved in trading Forex, and not only the reward. • Why is the Forex market so popular? Being a Forex trader offers the most amazing potential lifestyle of any profession in the world. It’s not easy to get there, but if you are determined and disciplined, you can make it happen. Here’s a quick list of skills you will need to reach your goals in the Forex market: Ability – to take a loss without becoming emotional Confidence – to believe in yourself and your trading strategy, and to have no fear Dedication – to becoming the best Forex trader you can be Discipline – to remain calm and unemotional in a realm of constant temptation (the market) Flexibility – to trade changing market conditions successfully Focus – to stay concentrated on your trading plan and to not stray off course Logic – to look at the market from an objective and straight forward perspective Organization – to forge and reinforce positive trading habits Patience – to wait for only the highest-probability trading strategies according to your plan Realism – to not think you are going to get rich quick and understand the reality of the market and trading Savvy – to take advantage of your trading edge when it arises and be aware of what is happening in the market at all times Self-control – to not over-trade and over-leverage your trading account As traders, we can take advantage of the high leverage and volatility of the Forex market by learning and mastering and effective Forex trading strategy, building an effective trading plan around that strategy, and following it with ice-cold discipline. Money management is key here; leverage is a double-edged sword and can make you a lot of money fast or lose you a lot of money fast. The key to money management in Forex trading is to always know the exact dollar amount you have at risk before entering a trade and be TOTALLY OK with losing that amount of money, because any one trade could be a loser. More on money management later in the course. • Who trades Forex and why? Banks – The interbank market allows for both the majority of commercial Forex transactions and large amounts of speculative trading each day. Some large banks will trade billions of dollars, daily. Sometimes this trading is done on behalf of customers, however much is done by proprietary traders who are trading for the bank’s own account. Companies – Companies need to use the foreign exchange market to pay for goods and services from foreign countries and also to sell goods or services in foreign countries. An important part of the daily Forex market activity comes from companies looking to exchange currency in order to transact in other countries. Governments / Central banks – A country’s central bank can play an important role in the foreign exchange markets. They can cause an increase or decrease in the value of their nation’s currency by trying to control money supply, inflation, and (or) interest rates. They can use their substantial foreign exchange reserves to try and stabilize the market. Hedge funds – Somewhere around 70 to 90% of all foreign exchange transactions are speculative in nature. This means, the person or institutions that bought or sold the currency has no plan of actually taking delivery of the currency; instead, the transaction was executed with sole intention of speculating on the price movement of that particular currency. Retail speculators (you and I) are small cheese compared to the big hedge funds that control and speculate with billions of dollars of equity each day in the currency markets. Individuals – If you have ever traveled to a different country and exchanged your money into a different currency at the airport or bank, you have already participated in the foreign currency exchange market. Investors – Investment firms who manage large portfolios for their clients use the Fx market to facilitate transactions in foreign securities. For example, an investment manager controlling an international equity portfolio needs to use the Forex market to purchase and sell several currency pairs in order to pay for foreign securities they want to purchase. Retail Forex traders – Finally, we come to retail Forex traders (you and I). The retail Forex trading industry is growing everyday with the advent of Forex trading platforms and their ease of accessibility on the internet. Retail Forex traders access the market indirectly either through a broker or a bank. There are two main types of retail Forex brokers that provide us with the ability to speculate on the currency market: brokers and dealers. Brokers work as an agent for the trader by trying to find the best price in the market and executing on behalf of the customer. For this, they charge a commission on top of the price obtained in the market. Dealers are also called market makers because they ‘make the market’ for the trader and act as the counter-party to their transactions, they quote a price they are willing to deal at and are compensated through the spread, which is the difference between the buy and sell price (more on this later). Advantages of Trading the Forex Market: • Forex is the largest market in the world, with daily volumes exceeding $3 trillion per day. This means dense liquidity which makes it easy to get in and out of positions. • Trade whenever you want: There is no opening bell in the Forex market. You can enter or exit a trade whenever you want from Sunday around 5pm EST to Friday around 4pm EST. • Ease of access: You can fund your trading account with as little as $250 at many retail brokers and begin trading the same day in some cases. Straight through order execution allows you to trade at the click of a mouse. • Fewer currency pairs to focus on, instead of getting lost trying to analyze thousands of stocks • Freedom to trade anywhere in the world with the only requirements being a laptop and internet connection. • Commission-free trading with many retail market-makers and overall lower transaction costs than stocks and commodities. • Volatility allows traders to profit in any market condition and provides for high-probability weekly trading opportunities. Also, there is no structural market bias like the long bias of the stock market, so traders have equal opportunity to profit in rising or falling markets. While the forex market is clearly a great market to trade, I would note to all beginners that trading carries both the potential for reward and risk. Many people come into the markets thinking only about the reward and ignoring the risks involved, this is the fastest way to lose all of your trading account money. If you want to get started trading the Fx market on the right track, it’s critical that you are aware of and accept the fact that you could lose on any given trade you take. Forex Trading Terminology The Forex market comes with its very own set of terms and jargon. So, before you go any deeper into learning how to trade the Fx market, it’s important you understand some of the basic Forex terminology that you will encounter on your trading journey… • Basic Forex terms: Cross rate – The currency exchange rate between two currencies, both of which are not the official currencies of the country in which the exchange rate quote is given in. This phrase is also sometimes used to refer to currency quotes which do not involve the U.S. dollar, regardless of which country the quote is provided in. For example, if an exchange rate between the British pound and the Japanese yen was quoted in an American newspaper, this would be considered a cross rate in this context, because neither the pound or the yen is the standard currency of the U.S. However, if the exchange rate between the pound and the U.S. dollar were quoted in that same newspaper, it would not be considered a cross rate because the quote involves the U.S. official currency. Exchange Rate – The value of one currency expressed in terms of another. For example, if EUR/USD is 1.3200, 1 Euro is worth US$1.3200. Pip – The smallest increment of price movement a currency can make. Also called point or points. For example, 1 pip for the EUR/USD = 0.0001 and 1 pip for the USD/JPY = 0.01. Leverage – Leverage is the ability to gear your account into a position greater than your total account margin. For instance, if a trader has $1,000 of margin in his account and he opens a $100,000 position, he leverages his account by 100 times, or 100:1. If he opens a $200,000 position with $1,000 of margin in his account, his leverage is 200 times, or 200:1. Increasing your leverage magnifies both gains and losses. To calculate the leverage used, divide the total value of your open positions by the total margin balance in your account. For example, if you have $10,000 of margin in your account and you open one standard lot of USD/JPY (100,000 units of the base currency) for $100,000, your leverage ratio is 10:1 ($100,000 / $10,000). If you open one standard lot of EUR/USD for $150,000 (100,000 x EURUSD 1.5000) your leverage ratio is 15:1 ($150,000 / $10,000). Margin – The deposit required to open or maintain a position. Margin can be either “free” or “used”. Used margin is that amount which is being used to maintain an open position, whereas free margin is the amount available to open new positions. With a $1,000 margin balance in your account and a 1% margin requirement to open a position, you can buy or sell a position worth up to a notional $100,000. This allows a trader to leverage his account by up to 100 times or a leverage ratio of 100:1. If a trader’s account falls below the minimum amount required to maintain an open position, he will receive a “margin call” requiring him to either add more money into his or her account or to close the open position. Most brokers will automatically close a trade when the margin balance falls below the amount required to keep it open. The amount required to maintain an open position is dependent on the broker and could be 50% of the original margin required to open the trade. Spread – The difference between the sell quote and the buy quote or the bid and offer price. For example, if EUR/USD quotes read 1.3200/03, the spread is the difference between 1.3200 and 1.3203, or 3 pips. In order to break even on a trade, a position must move in the direction of the trade by an amount equal to the spread. • The major Forex pairs and their nicknames: • Understanding Forex currency pair quotes: You will need to understand how to properly read a currency pair quote before you start trading them. So, let’s get started with this: The exchange rate of two currencies is quoted in a pair, such as the EURUSD or the USDJPY. The reason for this is because in any foreign exchange transaction you are simultaneously buying one currency and selling another. If you were to buy the EURUSD and the euro strengthened against the dollar, you would then be in a profitable trade. Here’s an example of a Forex quote for the euro vs. the U.S. dollar: The first currency in the pair that is located to the left of the slash mark is called the base currency, and the second currency of the pair that’s located to the right of the slash market is called the counter or quote currency. If you buy the EUR/USD (or any other currency pair), the exchange rate tells you how much you need to pay in terms of the quote currency to buy one unit of the base currency. In other words, in the example above, you have to pay 1.32105 U.S. dollars to buy 1 euro. If you sell the EUR/USD (or any other currency pair), the exchange rate tells you how much of the quote currency you receive for selling one unit of the base currency. In other words, in the example above, you will receive 1.32105 U.S. dollars if you sell 1 euro. An easy way to think about it is like this: the BASE currency is the BASIS for the trade. So, if you buy the EURUSD you are buying euro’s (base currency) and selling dollars (quote currency), if you sell the EURUSD you are selling euro’s (base currency) and buying dollars (quote currency). So, whether you buy or sell a currency pair, it is always based upon the first currency in the pair; the base currency. The basic point of Forex trading is to buy a currency pair if you think its base currency will appreciate (increase in value) relative to the quote currency. If you think the base currency will depreciate (lose value) relative to the quote currency you would sell the pair. • Bid and Ask price Bid Price – The bid is the price at which the market (or your broker) will buy a specific currency pair from you. Thus, at the bid price, a trader can sell the base currency to their broker. Ask Price – The ask price is the price at which the market (or your broker) will sell a specific currency pair to you. Thus, at the ask price you can buy the base currency from your broker. Forex trading is everything.

A system to enable people to access and check the status of their unclaimed money online will be activated in the second quarter of next year.

The government is currently the custodian of a whopping RM5.96bil in unclaimed money as of October 31. Out of which 70% is from banking transactions, which includes money kept in savings and current accounts, as well as fixed deposits. Another 18% is from insurance accounts and the balance 12% constitutes other forms of accounts such as trade accounts.

According to Deputy Finance Minister Datuk Othman Aziz, this year alone, the department had received 50,015 applications. Of these, 34,353 applications were from around Kuala Lumpur.

Othman said the system is expected to be activated in the second quarter of next year. The Accountant General’s Department, which manages unclaimed money, will also join the Mobile CTC (community transformation centre) programme organised by the Finance Ministry.

This to allow more people, especially those in rural areas, to check and claim what is theirs.

he government has been focusing on providing affordable housing in the recent years. The recent Budget 2018 gave the housing sector an allocation of RM2.2 billion, with over 50,000 units being prepared under the affordable housing programme and more financing programmes such as PR1MA to help Malaysian citizens afford their first homes.

Amongst all of these announcements on housing, this year private developers seem to finally be getting a slice of the affordable housing pie. The popular PR1MA end-financing scheme is now extended to eligible private developers to help more Malaysians in purchasing their first homes.

With private developers being part of the plan, it seems likely that more Malaysians will be able to afford a house at key areas. But are there private developers offering affordable housing?

To answer that, we first need to know what exactly defines affordable housing.

What is considered affordable housing today?
According to research by the Khazanah Research Institute (KRI), the threshold for affordable housing is one where the cost of the house is three times the median income, called the Median Multiple.

This calculation defines that if a household can finance the house with less than three times its annual median household income, the house is considered affordable. Anything higher than that, it’s considered unaffordable.

This calculation has even been supported by  Deputy Minister of Finance, Datuk Othman Aziz, and has also been recommended by the World Bank and the United Nations for the evaluation of urban housing markets.

According to the Department of Statistics Malaysia (DOSM), the current median income is at RM5,228 as of 2016. Using the Median Multiple calculation, Malaysia’s overall affordable housing price is at RM188,208.

However, as different states record different incomes, the affordable housing price should also differ according to states. Here are the seven states with the highest median income in Malaysia according DOSM, and how much the affordable housing price should be for each state.

State
Median Income
Affordable Housing Rate
Wilayah Persekutuan Kuala Lumpur
RM9,073
RM326,628
Wilayah Persekutuan Putrajaya
RM8,275
RM297,900
Selangor
RM7,225
RM260,100
Wilayah Persekutuan Labuan
RM5,928
RM213,408
Johor
RM5,652
RM202,500
Melaka
RM5,588
RM201,168
Penang
RM5,409
RM194,724
Out of these seven states, only six states can afford housing that is above RM200,000. If you live in the Klang Valley, you would notice that most of the developments by private developers are way above that price tag. Even PR1MA houses within the Klang Valley are priced above RM200,000.

This begs the question of what the “eligibility criteria” set for private developers for the end-financing scheme are. At the time of writing, no details have been released by the government on this scheme, but let’s look at which private developer are already stepping up their game in offering affordable housing, even before the Budget has been announced.

1. Berjaya Land Development
Who is eligible?

Cost of house From RM150,000
Income Not more than RM8,000 per month
Age 21 and above
Other requirements Malaysian resident, registered voter in Penang
Berjaya Land announced early last year that they would be providing affordable housing, especially in Penang. They have a number of projects in Penang currently, particularly at the Jesselton Villas near the Penang Turf Club.

Their affordable housing in Mutiara Jesselton, Penang starts from from RM150,000, which seems to be the most affordable housing you could find in Penang thus far.

However, their other ‘affordable properties’ are mainly around the range of RM300,000, which is far from affordable for most of the residents in Penang.

In order to be eligible for these affordable property in Penang, you will need to be a Malaysian citizen and a registered voter in Penang with an income of RM8,000 per month or below. Both the applicant or even the spouse must not own any property anywhere in Malaysia.

2. IJM Land
Who is eligible?

Cost of house From RM245,000
Income TBA
Age TBA
Other requirements TBA
Recently, Federal Territories Minister Datuk Seri Tengku Adnan Mansor announced that Amona Development Sdn Bhd and IJM Land Bhd had jointly agreed to lower the price of houses in Pantai Sentral Park to RM245,000 from its original price of just below RM300,000. Further information on this development has yet to be released. The completion is expected to be 18 months from the end of October 2016. More details on this should be released in 2018.

A quick look around the property prices around Pantai Sentral Park shows prices of around RM700,000 – RM800,000! With its prime location close to the heart of Kuala Lumpur, the price of RM245,000 is pretty attractive, and it is still below the affordable housing threshold for Kuala Lumpur residents.

3. Sime Darby
Who is eligible?

Cost of house From RM170,000 to RM270,000
Income Between RM3,000 to RM10,000 monthly
Age 18 and above
Other requirements Must be first home
There are a number of private property developers that participated in the Rumah Selangorku programme that promises to offer affordable housing within Selangor, and Sime Darby is one of them. Sime Darby is currently offering 1,700 units of apartments with prices ranging from RM170,000 to RM270,000 with their second Rumah Selangorku project, Harmoni 1, located in Putra Heights, Subang in Selangor.

Other projects under the Rumah Selangorku programme by IJM Land include the Serunai Apartment at Bukit Raja, and Harmoni, City of Elmina with houses ranging from RM200,000 to RM250,000 which are still within the affordable property price in Selangor.

4. SP Setia
Who is eligible?

Cost of house From RM170,000
Income Between RM3,000 to RM10,000 monthly
Age 18 and above
Other requirements Must be first home
SP Setia is one of the developers that are also under the Rumah Selangorku programme, which means most of their affordable housing is based in Selangor.

Their current project is based in Setia Alam and it comprises of 737 units at the De Kiara apartment and 730 units at De Palma apartment with built-ups of approximately 800 square feet and the units are priced at RM170,000. They also have 723 units with a built-up of approximately 900 square feet at De Bayu apartment that’s priced at RM200,000.

The developer also has Setia Eco Templer, which has also built approximately 900 affordable housing units that were priced from RM42,000 to RM250,000.

5. Mah Sing Group
Who is eligible?

Cost of house From RM170,000
Income Between RM3,000 to RM10,000 monthly
Age 18 and above
Other requirements Must be first home
Another developer under the Rumah Selangorku project, Mah Sing is also offering affordable housing that’s gated in Rawang. Currently with 488 units, the Cendana Apartment homes have a built-up area of 850 square feet each with a starting price of RM170,000.

Their future projects on affordable housing will also focus on other states such as Penang and Johor as well, though they have yet to be announced. Mah Sing also has plans to launch M Centura in Sentul, Kuala Lumpur which boasts high quality affordable housing with a price tag of RM328,000. This is slightly higher than the affordable housing meant for KL residents, but the developer justifies the price tag by promising quality.

Can Malaysians get these affordable homes?
Of the five property developers listed above, most of them have worked under the Rumah Selangorku programme to provide more affordable housing for Selangor residents. As Selangor’s compound annual growth rate (CAGR) in property is double that of Kuala Lumpur’s at 26.8%, this means prices of property has been going up a lot faster than most residents of Selangor can afford.

On the other hand, Penang’s CAGR is a lot lower compared to most states at 1.8%, but the median price of property in Penang is already in the millions, which is also another issue that would raise the demand for affordable property.

Despite more participation from private developers, the demand for affordable housing is still way above the supply. Most of the developments mentioned above are either unavailable at this point or there’s a long waiting list with little to no certainty of getting said unit.

This has also been criticised by Wong Chen, Kelana Jaya MP, who said during iMoney’s pre-budget live forum that it is close to impossible for the government to provide affordable housing such as PR1MA to everyone.

“Assuming we can build 10,000 houses a year, it can only serve 1% of those who need. This creates the ‘lucky draw’ mentality which encourages corruption,” said Wong.



The current system is definitely far from perfect, but the problem is not insoluble. So what else can be done to solve the issue of affordable housing? The KRI had recommended improvements to the current construction industry’s delivery system to supply affordable housing, reduction of pressure that leads to rapid house price escalation, as well as a steady supply of housing at affordable prices to match the demand efficiently.

However, the issue of affordable housing will not be solved overnight, and it cannot be solved by the government alone. More effort needs to be put in to make owning a home more affordable, and there’s hope that more private developers will play their part in contributing to the solution.

The balance of an account, which has been dormant or inactive for more than seven years, will be deemed unclaimed money, said Deputy Finance Minister II Datuk Lee Chee Leong.

This is in accordance to the definition under Section 8 of the Unclaimed Moneys Act 1965. The unclaimed money will be surrendered to the Registrar of Unclaimed Money under the Accountant-General’s Department in a consolidated trust account.

As of June, there was a total of 55 million records since 1977, amounting to RM5.779 billion of unclaimed money.

This includes savings accounts, current accounts and matured fixed deposits with auto-renewal instructions.

“There are two other categories: firstly, money that is legally payable to the owner but has remained unpaid for more than a year such as salary, bonus, commission to staff, dividend, other payable accounts, other receivable accounts with credit balance, and matured fixed deposits without auto-renewal instructions,” Lee told The Star.

“Money to the credit of a trade account that has remained dormant for a period of more than two years such as trade payable accounts and other receivable accounts with credit balance are also considered unclaimed money.

“In simpler terms, unclaimed money is money that has failed to be given to its rightful owner.”

unclaimed money
Image from The Star

Unclaimed money will not have any addition or deduction from the original amount, as stated under Section 11(3) of Act. This means owners will not continue to earn interest on unclaimed money.

However, owners of the fund can check and claim the funds anytime, there is no expiry date to claiming the fund.

“So there is no need for the public to panic, as there is no rush.

“The Government is also developing an online system for checking and applying for refunds. It will be ready by next year,” he added.

The largest amount ever refunded to an individual was almost RM6 million from several accounts, while the smallest sum was 39 sen.

Companies that are bound by the Act must maintain records of unclaimed money, and the funds (if any) have to be submitted to the Registrar by March 31 each year.

These companies can face a fine of up to RM20,000 if they fail to comply, while for a repeated offence, a subsequent fine not exceeding RM1,000 for each day the offence continues.

The public should be careful to avoid their money being classified as unclaimed, he advised.

According to the 2015 Account General’s Department annual report, there were 1,719 unclaimed submissions with a total receipt of RM666.8 million that year, compared to 1,724 submissions amounting to RM512.9 million in 2014.

The Accountant-General is wholly responsible for the management of unclaimed money in the country.

As a trustee of the funds, the Registrar inspects company records to identify unclaimed money; manages submission of that money; and manages its return to the rightful owners.

For more information, visit www.anm.gov.my.


sumber:https://www.imoney.my/articles/unclaimed-money-online-system
             https://www.imoney.my/articles/private-affordable-housing
             https://www.imoney.my/articles/money-bank-classified-unclaimed-money

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