myLIFEinvest

Now you see! Now you don't...! Do 2010 audit report is correct???? Very scary.... If true then no wonder why dividend being paid so low..... and... do syariah compliance in here???? Any comment? Malaysiakini: EPF loaned RM55bil without gov't guarantee backing Aidila Razak 1:43PM Oct 28, 2011 The Employees Provident Fund (EPF) approved loans worth an astounding RM55.1 billion not backed by government guarantees. However, the Auditor-General’s Report 2010 found only one of the 13 debtors was qualified to obtain a loan

Assalamualaikum w.b.t., Ha! Ha!... Panelized! Penalty! Do pinch your tax payer hardly... They are not your voters anymore... But how with tax refund??? Until now didn't get my refund yet..??? What the hypocrite of the policy was... still want to make business with tax payer money...???  Isshhhh! Ishhhh! Labu! Labu!.... This is very fair policy indeeeeeddd! You don't declare and pay, you will be fined... You get late tax refund, no profit being return to you...  So please think your valuable vote in the next election... ---- Thestar: Tuesday October 18, 2011 Tax payers to feel pinch as Govt increases compliance enforcement By FINTAN NG fintan@thestar.com.my PETALING JAYA: Tax payers will start to feel the pinch as the Government intensifies efforts to increase compliance via several amendments to the Income Tax Act 1967 as part of measures to reform the country's finances. However, tax specialists felt that there should be more open discussi...

Seperti mana dibincangkan sebelum ini di tautan ( Kadar Pinjaman Kenderaan / Hire Purchase Rate & MPV mana yang berbaloi untuk dimiliki) di bawah adalah sepintas lalu  harga MPV kelas menengah yang mendapat perhatian di Malaysia. Keluasan dan fungsi binaan dalam juga berbeza bagi MPV di bawah.  Harga biasanya akan berubah bergantung kepada tawaran khusus oleh penjual dan aksesori yang diminta. Di bawah sekadar untuk rujukan. 1) Kia Rondo (Naza Citra II) 2.0 Naza Citra II Rondo EX – RM84,888 Naza Citra II Rondo EXS – RM88,888 2) Nissan Grand Livina 1.8  RM98,800.00 3) Kia Citra RS/SE (special Edition) 2.0  RM64,088.00 4) Chery Eastar Full Spec/w sun roof 2.0  RM 83,988 5) Proton Exora H-line (A) 1.6 RM76,998.00 6) Perodua Alza (A) Ezi 1.5 RM69.990.00

Assalamualaikum w.b.t., Belanjawan 2012 telah dibentangkan oleh PM Malaysia XXX. Alhamdulillah tiada pengecualian cukai tambahan bagi perhiasan-perhiasan mewah termasuk under wear import oleh beliau. Belanjawan ini juga tiada yang specialnya kepada majoriti rakyat secara umumnya yang akan menghadapi bebanan kos sara hidup yang bakal meningkat selepas pilihan raya ke 13 nanti. Dalam diam tak diam, cukai perkhidmatan telekomunikasi juga telah dikenakan oleh beberapa pengendali sistem telekomunikasi sehingga 6%. Yang ditangguhkan sementara adalah cukai berkaitan dengan pre-paid sahaja. Dalam belanjawan ini juga kenaikan gaji telah diberikan kepada kakitangan perkhidmatan awam di antara 7%-15% sepertimana yang pernah dikhabar anginkan link di sini , maka benarlah berita itu. Apa pun diucapkan tahniah semoga rezeki tambahan ini akan membawa erti seribu makna untuk berkhidmat dengan tulus, ikhlas dan jujur untuk kesejateraan rakyat. Agak mengecewakan juga apabila menteri-menteri dan ...

Assalamualaikum w.b.t., "LINK-KLIK: Refreshing 2009 post: Bulan Zulhijjah akan menjelma dua-tiga hari lagi. Rebutlah pelaburan yang tiada tolok bandingnya dijanjikan untuk kita bagi bekalan akhirat kita. Adakah ibadah haji di makkah? Sudah pasti yea untuk mereka yang menjadi tetamu Allah s.w.t., tetapi bagi kita yang masih belum berpeluang untuk mengerjakan haji, jangan bersedih, insyaallah satu masa nanti Allah s.w.t. akan menjemput kita ke sana juga. Nabi s.a.w.bersabda : “Tiada suatu hari pun amalan kebaikan padanya mempunyai kelebihan melainkan pada hari-hari ini, iaitu sepuluh hari Zulhijjah. Para sahabat Baginda bertanya: Apakah juga (pengecualian itu) termasuk jihad pada jalan Allah? Ujar Baginda: Tidak juga (termasuk) berjihad pada jalan Allah kecuali bagi seorang yang keluar dengan jiwa raga dan hartanya dan tidak membawa pulang apa-apa pun.” (H.r. Bukhari)." Berkorban melalui SALURAN-1 : Muslim Aid (Korban For Life) - RM380.00/ekor kamb...

Can we consider... the exchange rate MY to SIN$, 1SIN$ = RM2.44... Ahhhhh! Lets take example for tax rate comparison below afffterrr the conversion. Like our ruling party government always do for subsidy cut especially on the petrol. Malaysia: RM70,000 - RM100,00 ( tax rate : 24%) Singapore: Sin$80,000 - Sin$160,000 = RM195,000 - RM390,400 ( tax rate: 14% ) Mmmm! I see! I see! Do we still the best...?? Hope "Rahsia Besar" won't turn to "Temberang Besar"... We see later.. ---- Thestar: Friday October 7, 2011 Budget: Mr Prime Minister, please ease the pain of mid-income group Friday Reflections - By B.K. Sidhu AS in past years, the tabling of the Budget today brings the promise of goodies. But unlike before, this year everyone has a chance to tell the Prime Minister what they expect in Budget 2012. Datuk Seri Najib Razak opened the lines of communication via his website, Facebook and Twitter , and anyone could share his or her tho...

Assalamualaikum w.b.t., Hari ini banyak email diterima berhubung kematian Steve Job pengasas syarikat Apple yang terkenal dengan pengeluaran komputer, IPAD dan sebagainya disebabkan mengidap kanser... Wah! begitu kalut sekali apabila kematian orang-orang kenamaan yang terkenal seperti beliau... Namun adakah kita bermuhasabah yang kematian saban masa menghambat kita??? Peringatan ini semata-mata untuk diri ku yang selalu lupa dan malas untuk beribadah.... Hidup ini hanya sementara. Yang berkuasa mati, yang terkenal juga mati, yang zalim binasa, yang miskin ajal menjemput juga.... Dipetik sedikit ucapan beliau di Stanford untuk renungan kita, cerita kematian (rujuk yang diwarnakan merah): " When I was 17, I read a quote that went something like: “If you live each day as if it was your last, someday you’ll most certainly be right.” It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: “If today...

Assalamualaikum w.b.t., Many peoples now start talking about what do we prefer or dreams for this coming 2012 budget.. My answer is to see total change after more than 20 years being cheated and would like to see Islamic management ways adapted and being implemented in Malaysia. Since most people talk about income tax balance I will still prefer on tax deduction or exemption scheme being revised, in such for personal income tax: 1) Tax deduction on pre-school fees spent upto RM3000.00 for each children 2) Tax deduction for medical expenses spent at private hospital / clinic / alternative medication 3) Increase tax deduction on Life Takaful or Insurance to upto RM20,000.00 ( to promote saving and prepare for better retirement) 4) Tax deduction for all spent fees for personal/children education at university/collegue/pondok/etc 5) Increase tax deduction on Education / Health Takaful or Insurance  to upto RM10,000.00 or more 6) Tax deduction on sport equipment being incre...

  Assalamualaikum w.b.t., Just nip my check... Errr! Do I make my self clear with the imbalance and injustice of personal income tax rate and tax exemption here? Well... it is just the beginning.. Lets fight for our right... Vote for change, I believe  this is only magically temporary  scheme  under election swapping program. If really honest then the whole income tax should be restructured to make balance and be fair to everybody.. Or if dare enough convert into Islamic Way, go for 2.5% flat rate as zakat or jizyah.. -------------- Thestar: Wednesday October 5, 2011 PETALING JAYA: The Government will reduce the tax burden of the middle-income group in the coming budget after it reduced the tax rates for the high- and low-income groups in the last budget. Malaysian Rating Corp Bhd (MARC) chief economist Nor Zahidi Alias said in a pre-Budget 2012 report that there might not be any broad-based tax cuts for individuals and corporations, but there cou...

Emmm!!!! Very affordable.... for Who? Price?  Ahhhh!!! I see! I see! Thestar: Oct 4, 2011 Buyers snapping up affordable homes in Putrajaya PUTRAJAYA: A total of 560 affordable homes at Precinct 11 here, priced between RM120,000 and RM150,000 each, are open for applications. These houses form the first phase of the recently launched 1Malaysia Housing Programme (PR1MA) project. The project comprises 420 apartment units with a built up area of 815sq ft, which are priced at RM120,000 each. Another 140 units, measuring 1,006sq ft each, are for sale at RM150,000 each. Unit PR1MA chief executive officer Datuk Abdul Mutalib Alias said eligible applicants should be Malaysian citizens aged 21 years and above. “ They must also live or work in Putrajaya and be registered voters in the Putrajaya constituency,” he said, adding that they should not own more than one other home in Malaysia. “And, they must have a gross household income of not more than RM6,000 a month.”...

Now it  happen again! Row! Row! Your Boat!... Lets recap what is moving forward... Nuclear Power? What can we see here? Ahhhh! Nothing believe me not.... ---- 1) Thestar: Published: Monday October 3, 2011 MYT 11:59:00 AM Stocks: Malaysia's Tenaga down on gas shortage concerns KUALA LUMPUR, Oct 3 (Reuters) - Shares in Malaysia's state power firm Tenaga Nasional fell as much as 3.1 percent on Monday on concerns of lower fourth quarter earnings due to a prolonged gas shortage. Citigroup said in a note that it expected Tenaga to post a weak fourth quarter results due to concerns that a prolonged gas supply interruption could worsen, forcing the company to buy expensive fuel oils for power generation. Tenaga shares were trading at 5.03 ringgit($1.576)as at 0210 GMT(1010 Malaysian time), down 2.71 percent compared to the broader market which lost 1.8 percent. 2) Thestar: Saturday September 24, 2011 Gas shortage, fuel cost affecting rating performance of TNB...

I'm wondering.... ???? ------------ Thestar: Monday October 3, 2011 By RONNIE LIM and YEE WING PENG OLD is gold! However, just as the price of gold has spiralled, the cost of living in those golden years has also increased. To add insult to injury, the tax refunds accruing to senior citizens from their dividend income have decreased in recent years and will totally vanish after 2013 due to the payment of tax exempt dividends under the single-tier tax system. This reduction in tax refunds till 2013 can be minimised if senior citizens invest in companies which pay large taxed, rather than tax-exempt, dividends. In addition, those companies should have sufficient franking credit to support future taxed dividends and should not have elected to pay the tax-exempt dividends referred to earlier (published accounts should provide this information). Judging from the how vocal (and at times long-winded) retirees are at annual general meetings, they can make their poi...

Assalamualaikum w.b.t., Refering to below article ( red color highlighted ), why this happened? After retirement, EPF saving not enough for your future needs? If we don't have extra  money to make additional saving or investing then surely we stuck in future living depression. Hidden voice from EPF said, actually EPF can give dividend more than 5% or reaching beyond 10%  yearly, but why until now we only received 5% or below??? Do ghost hand chained EPF to give more benefit to their depositors or profit missing in magical action of ghostsssss??? I believe majority of EPF depositors are from private sectors. Do you believe, if our income tax is lower than we can save more? I believe so... But what happen then, if income tax not even being reduced but another tax is introduced such GST bundle with so called "subsidy reduction programme" and couple with goods/service  price hike up? How much can you save monthly for your retirement? I still blind with so called h...

Refering to below article, call for tax review already being call for long-long time ago. But what we can see with the current ruling government just make "A-Go-Go" . Or another action is "TWIST" tune. Or with other word "TAI-CI" move. Can you imagine, same income earner corporate or same income level earner personnel having a different income tax scheme... One side is a "SLAVERY" tax scheme (all income is tax inclusion) and the other "LORD" tax scheme where everything are tax exclusion. So where is the justice?? Might be some of us will say, this  is MALAYSIAN way of justice. Ohh! I see! I see!  Do Malaysia as an Islamic Country was taught by Prophet this way? I believe not, if  Islamic version of economy management is adapted it will fair everybody. Can we just accept?? Or should we call for a total change? You think and you vote, it is our future... Lets think and take action. ----------------------------------...

How can we elaborate of this issue? My understanding: Net income = gross income - (income tax + EPF) Why need to access based on net income? I believe this issue due to income tax that being paid by most of people work in private sector is much-much higher and their net income become much-much lesser. Most people  work in private sector only being paid for 10 to 11 month only. The balance of one or two month is for income tax comparing to civil servant only pay tax between zero to less one month if considering at the same gross income of 12 month. Do you believe this statement? Then  please do your own calculation and check your self. You can see if civil servant apply the loan, their interest rate will much lower than public sector worker due to ability of paying back the loan and security of jobs.  So you can judge your self how fair is our economy that based on capitalist systems. Bring zakat into our economy mainstream than it will fair everybody. Our belov...

Assalamualaikum w.b.t., Bersangka baiklah dengan ALLAH s.w.t., teruskan usaha dan berdoalah. .. kita tidak ditanya apa hasil yang diperolehi tetapi apa yang telah dilakukan.. Bila Allah cepat makbulkan doamu, maka Dia menyayangimu. Bila Dia lambat memakbulkan doamu, maka Dia sedang mengujimu. Bila Dia tak makbulkan doamu, maka dia merancang sesuatu yang lebih baik untukmu. Bersangka baiklah pada Allah dalam apa jua keadaan. Kasih sayang Allah mendahului kemurkaan-Nya.. Jadi carilah keredhaan ALLAH s.w.t.,  Dari riwayat   atTirmizi. Iaitu ketika Mu'awiyah meminta wasiat kepada isteri Baginda, Aisyah dan lalu 'Aisyah menulis seperti yang pernah disebutkan oleh Baginda seperti hadith di bawah.   قال معاوية رضي الله عنه لما قال لها: اكتبي إلي كتاباً توصيني فيه ولا تكثري علي. فكتب عائشة رضي الله عنها إلى معاوية: سلام عليك أما بعد فإني سمعت رسول الله صلى الله عليه وسلم يقول: من التمس رضا الله بسخط الناس كفاه الله مؤنة الناس، ومن التمس رضا الناس بس...

Assalamualaikum w.b.t., Kenderaan bermotor MPV (Multi Purpose Van) kian mendapat perhatian bagi mereka yang berkeluarga. Ada yang terpaksa membeli kereta ketiga terutamanya MPV untuk kegunaan aktiviti berkeluarga seperti balik kampung raya atau lain-lain urusan sebagai kenderaan keluarga terutamanya bagi mereka yang mempunyai ahli keluarga yang ramai. MPV manakah yang ekonomi untuk dimiliki? MPV boleh diklasifikasikan dalam dua peringkat di mana berharga sederhana dan mewah. MPV mewah bolehlah kita kelaskan berharga RM110,000 ke atas manakala sederhana di bawah paras berkenaan. Apakah berbaloi untuk memiliki MPV sebagai kereta ketiga/kedua atau menggantikan MPV sebagai kereta utama? Kos petrol sudah meningkat dan pastinya akan meningkat lagi di masa hadapan, ini boleh diperhatikan sekarang ini walaupun harga minyak mentah di pasaran dunia menurun, namun harga petrol di Malaysia masih belum diturunkan lagi. Begitu juga kos tambang pengangkutan juga meningkat sebagai perbandinganny...

Assalamualaikum w.b.t., Moga kita masih belum kelewatan untuk menggandakan amalan dalam bulan Ramadhan yang masih tinggal separuh lagi untuk kita mendulang pahala berganda yang dijanjikan oleh Allah s.w.t. kepada umat Muhammad s.a.w. yang bertakwa dan beriman. Jika kita tidak merebut peluang Ramadhan ini, adakah kita masih berpeluang untuk Ramadhan yang akan datang? Jangan bertangguh lagi, ajal-maut tidak akan lewat walau sesaat pun. Ambillah peluang yang terbentang luas di hadapan kita sekarang ini. Bagi mereka yang sedang memecut sebermula 1 Ramadhan, TAHNIAH! untuk anda.... bagi yang masih terconggak-conggak nak mengali pahala, jangan bertangguh lagi.... R UGI TAU KALAU TAK REBUT PELUANG DI DEPAN KITA SEKARANG .... Jom bangkit semua,  PESTA SEDANG HANGAT SKARANG NI.. .  Boleh jenguk surau dan masjid.... apa hiburan yang disajikan... Antara perkara lain yang wajar kita ambil peluang mendulang amalan adalah membaca al-Quran. Lagi bagus jika dengan TARTIL dan baca MA...