myLIFEinvest

Assalamualaikum w.b.t., To those who face what I faced, please be patient and remember Allah s.w.t. is always with us. And I believe this is just an immunisation test for me. I realize if the regime is in secular systems than it will make you suffer when you put effort on Syariat Islamiah as a total goal. My trial to get tax refund before year end now become impossible. My account balance sheet now "kaput" already. This year my trial to maximixe zakat over tax pay a bit painfull. As everyone know, year end is the time for maximizing zakat paying and even most of zakat center will open until 31st. Dec. and will close late night to give opportunity to those who want to pay their zakat due to the closing date for yearly audited tax will be end of the year. Year end will always a burden to some parent to make a preparation for new school session. Its also happened to me huge amount of money was used to pay fees for kindergarten, private school, books...

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Assalamualaikum w.b.t., From my survey for kindergarten in Bangi, the monthly fees for a day including school and day care in range of RM250 to RM600. I also found that the fee will change depending to the area it is located. I think bangi is at the higher range, do you think so? After doing some baseline to average  TADIKA fee and doing monthly averaging  after include the yearly entrance fee is as below. The data might slightly difference since some don't give the occasional fees yet. But for tadika A it schedule already firmed.  Will update when the data available. Only average fees TADIKA is provided here. Islamic Montesori, Nuri  and etc at the higher end is not included since the figure will make your heart shaking. The below is using teaching system either montesori, cahayaku, little caliph or LOEPS. Since the below figure can't be seen, here is the form link: TADIKA BASELINE 2012. The tadika name was deleted to avoid misunderstanding. Just use the for...

Assalamualaikum w.b.t., Hopefully someone still can benefit the form especially to maximise your zakat over tax and start plan for 2012. The below attached budget form is based on AKPK calculator where converted to excel format to ease adding of items that might important to some people. I did some simulation for year 2012 expenses. I realize that year 2012 will be more challenging especially for those who work in private sectors with rising cost of most of household items and rising fees for pre-school / islamic version of educations. If got ample time I'll write also about the burden that suffered by workers in middle class income range. I received one data from Mr. Zack who used the tax template in this blog and  he request if possible to compare with gov. sector. It will very interesting to share with you all as well. To Mr. Zack, as my advise we in private sectors will always feel frustrated with current double standard tax systems. As I told you, we should "syuku...

Untuk perkongsian ilmu, prestasi ASB sepanjang zaman masih rendah kenapa??? Kemanakah unit amanah ini dilaburkan??? atau telah dileburkan??? Kita tunggu dan lihat satu lagi "reserve" dari duit rakyat terutamanya pekerja swasta iaitu prestasi keuntungan KWSP kepada pencanrumnya??? Yang telah menunjukkan prestasi yang membanggakan setakat ini adalah LHDN, peningkatan kutipan cukai pendapatan dari rakyat marhaen telah terbukti membanggakan dengan peningkatan sangat ketara ... dengan itu kenaikan gaji diterima oleh LHDN juga memang bebaloi.....!!!! Dan inilah bukti yang teraaaammmattt jelas.... duit dari rakyat , untuk rakyat dan dikembalikan semula kepada rakyat ... EEMMM!!!! Really!!! Funny, Bunny!!!! Tahun Berakhir 31 Disember 2007    2008   2009  2010  2011 Kadar Pengagihan                 8.00     7.00  ...

Assalamualaikum w.b.t., Link: Borang taksiran cukai dan zakat Minggu depan hanya 4 hari baki bagi memaksimakan zakat dengan menaksir cukai pendapatan bagi tahun 2011. Masih sempat jika, tuan-puan memproses resit-resit yang boleh mengurangkan bebanan cukai tuan-puan antaranya (perkara yang dikecualikan cukai): i) Pembelian buku-buku untuk anak-anak sekolah atau melanggan majalah. ii) Pembelian takaful kesihatan/pendidikan iii) PTPTN iv) dan sebagainya.... untuk maksimakan pengeculian cukai.... Jika tuan-puan berminat untuk menyalorkan sebahagian daripada pembayaran zakat yang telah dimaksimakan ke Pusat Zakat Kelantan bagi aktiviti untuk asnaf zakat dan fi sabilillah (dakwah, pendidikan islam dan sebagainya), sekarang ini boleh dilakukan terus secara atas talian (online). Panduan kaedah bayaran zakat ke Kelantan di bawah MAIK sila klik sini < http://www.e-maik.my/public_new/index.php?option=com_docman&task=doc_download&gid=513&Itemid=766 Di ba...

Assalamualaikum w.b.t., Updates for my previous post here http://mylifeinvest.blogspot.com/2009/11/pelaburan-emas-adakah-benar.html (Hasil percubaan melabur setelah dua++ bulan, harga belian RM119/gram, harga jualan sekarang RM121.67 (19/11/2009) peningkatan sebanyak 2.24%.) What can we see now from the price, let refer back to Maybank Price. Buying at RM119.00 now RM159.00. So if comparing to RM119  its now appreciating 33.6%. Not bad ! Not bad! But gold price once in this year even reach RM180/gram. Wow! Really super duper gain... but why did I blog now?  It is good time to say gold price also got up and down trend in shorter period of time. But if we look into wide period of time it shows appreciating trend.. Then you decide. I now will search for the best mechanism to turn some of my eggs into gold. When is the best time to make a magic call? Now trend is down... can I make super fast decision to boat my eggs into gold? Wassalam.

Is this a good time to grab gold???

Whistle blowing now.... BRRRRR!!!!!  Errr! Tarif hiking??? I positively guessing it will up again after PRU13... if and if the winner isssssss.... XXX --------------------------------------- Thestar: Wednesday December 14, 2011 TNB ready to buy gas at market prices BANGI: Tenaga Nasional Bhd (TNB) is ready to purchase gas for power generation at open market prices upon completion of the liquefied natural gas (LNG) regassification terminal in Malacca by next year. President/ CEO Datuk Seri Che Khalib Mohamad Noh said the company had been talking to several gas suppliers including ExxonMobil and Royal Dutch Shell for a secured supply. “We’ve appointed professional consultants to deal with the major suppliers as we are still new in the matter,” he told reporters at Universiti Tenaga Nasional here yesterday. The market price for gas presently hovers around RM30 to RM50 per mmBTU. The Government, through Petroliam Nasional Bhd , spends around RM20bil a year to prov...

Assalamualaikum w.b.t., Continued for Melaka holiday visit, just before drove home, we tried the famous Melaka Coconut Shake located at Pantai Klebang. Location already available in GPS maps updated May, 2011. May be in near future, I'll blog on how to update free GPS maps. My surprise, the Q for coconut shake really long for take away (tapau). If you plan to go there, please don't feel frustrated if long queue, there are restaurant being opened for those who want to drink and eat there. Just ask them. They will guide you to the restaurant just located near by. Coconut shake here taste great. Also available "nasi lemak/mee/bihun bungkus" and local delight (kuih-muih). Yummy! Boat cruise at Melaka - Smiling face enjoying sight seeing... Who's kid is this, really know how to enjoy her life.... After getting home from Melacca  we had a sad story. Two of our daughters hospitalized due to lungs infection (pneumonia). I'll blog later, medical hos...

Assalamualakum w.b.t., My journey to Lumut and Melaka will come to end tomorrow for this time. My intention this time is to share my views on the foods that we pay for. Anywhere we go, when starving for sure we will look for foods. How tasty and how much it will cost you. Some places we go, the price is so expensive but the taste not really good. So from sharing views we can get the value buy for the food and as customer we have right to get what we pay for. My comparison is being made based on my eating experience in previous days. One day we go eat to one places it tastes is marvelous but after a period of time when we go back its turn oppositely. It is very hard to maintain the food taste and preparation quality I think. For Muslims, when eating we should start with doa and end also with doa. Below is also for my remembrance. Now lets see what, I have today for lunch and dinner. After brought my children to "Taman Rama-rama dan R...

Assalamualaikum w.b.t., I'm in Melaka now and hopefully until monday.  My last visit to Melaka was 6 year ago and having a good "ikan bakar dinner" at Umbai and Serkam. I'm sick yesterday due to throat infection. Just getting better after took medicine from Elis Clinic, Melaka. Having a lunch at Nasi Ayam Singapore not far away from Hang Jebat Stadium. Taste fine (average). Here everything about nasi ayam including nasi goreng ayam. Melaka is  paradise for Asam Pedas. Browse through recommendation in internet for asam pedas which were most recommended for Hajjah Mona and  Abg Piee. So for today dinner we went to Hajjah Mona Asam Pedas since its location is available in GPS. Asam pedas usually cook in many ways, but the taste should consist of "pedas" and "asam". Lady finger (bendi) also usually added as a mixture of asam pedas. Asam pedas Hajjah Mona is served together with white rice, bean sprout and salty egg. We ordered asam pedas pa...