This paper taken from a book titled "Guide to Investing in Gold and Silver" by Michael Maloney, published by Business Plus - Hachette Book Group (2008).

The author himself was an important figure in the world of gold, silver and other metals businesses. He even encourages investment adviser man of Robert Kiyosaki divert most of its investments into the silver. Robert Kiyosaki even give an introduction to this book by calling the writer as intelligent people stringing the points into meaningful information - while others may only be able to see As with the points that are not meaningful.

Lots of the content of this book is similar to my book "Restoring Prosperity Islamic Dinar and Dirham" (Spiritual Learning Centre, 2007); especially regarding views about money and how money can only be played perfectly by the gold and silver. Even at the beginning of his writings he tried to straighten out the misguided understanding of the Currency and Money in the community.

According to the so-called 'money' by the people now, simply Currency - the medium of exchange which applies only for a moment. Currency does not have the ability to store the value (store of value) that is a prerequisite to be called the money (Money).

On the other hand the actual cash or Money, but he can be used as a medium of exchange (medium of exchange); he also serves as a store of value (store of value). So Money must also be a Currency, whereas Currency Money is not necessarily the form.

According to Michael, only gold and silver was the one who can act as Money since ancient now and the future. This opinion seems to be Fitrah, because a similar opinion was expressed by Imam Ghazali in Ihya Ulumuddin about 900 years ago. If Imam Ghazali was basing his opinion on a very deep understanding of the Islamic gold and silver; Michael Maloney based his opinion on economic reasons.

According to Michael, here is the reason why only gold and silver is real money (money) that:

1. For over 5,000 years, only gold and silver which proved an asset that never fails. This is because gold and silver are tangible assets that are inherent with its own value.

2. Gold and silver are assets that can be completely private and not part of the financial system - he will not be disturbed by any failure of financial system.

3. Gold and silver are assets which do not constitute liability of other parties. Instead of paper money, stocks, bonds etc.. is the asset which is the liability of other parties. Paper money is the liability of the issuing country, as well as stocks and bonds is a liability for the issuing. What would it have the liability of those who fail to meet its obligations?, Then paper money, stocks, bonds etc.. became worthless.

4. Gold and Silver can be wholly privately owned.

5. Gold and silver serve as a safe-haven investment or a safety net when the economic turmoil happen.

6. Gold and Silver is proven safe when high inflation or deflation happen.

7. Gold and silver have a high density value, easily stored and easily moved with a high value.

8. Buy and sell values generally have lower spreads - the owner does not lose significant value when buying and selling; different from real estate transactions such as the costs can be very high by various causes such as notaries, tax, legal audit etc.

9. Characteristic clear, 24-carat gold one is worth a 24-carat gold, although other different forms.  

10. Gold and silver physically - is the money itself - without the need for admission by any party that he had money.

With these ten reasons, the author of the above is now busy to educate people of the world will be a major phenomenon that was and will continue to happen which he called Wealth Transfer or transfer wealth.

Because most of the majority of the world community both individual, corporate and country store 'prosperity' in the form of currency assets, stocks, bonds and the like - are true can not act as a store of value or a store of value; the assets of the world will be a easily decrease or even disappear altogether in value.

So where asset values are reduced or disappear?, To other objects that could save with a perfect score, of course. The easiest one of his two gold and silver so it had. When the value of paper money falls, gold and silver must rise in value. At that time, with gold and silver are just a little - you will be able to master a variety of other assets. Therein lies the Transfer of Wealth by Michael Maloney said this.

Wealth Transfer Phenomena of this can happen very quickly as a very real place in Indonesia in 1998, or that gradually occurred in all parts of the world in the last decade, and God willing will continue to happen.

Fortunately with this phenomenon is really no choice at ourselves: we can prepare ourselves during this transfer occurs Wealth - wealth or prosperity of our left that led to us - the key is who have gold and silver when these phenomena occur