Tax rebate for resident individual [< RM35,000 chargeable income] 2011

Posted by Mohd Farhan | Posted in , | Posted on Wednesday, March 07, 2012

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Income Tax Rebates For Resident Individual With Chargeable Income Less Than RM35,000

No.
Tax Rebate
Year Of Assessment 2001 - 2008
Year Of Assessment 2009 Onwards
(RM)
(RM)
a
Separate Assessment
Wife
Husband
-
350
350
-
400
400
b
Combined Assessment
Wife
Husband
-
350
350
-
400
400
Total
700
800
b
Assessment Where Husband Or Wife Does Not Has Any Total Income
Wife
Husband
-
350
350
-
400
400
Total
700
800
Other Tax Rebates
No.
Tax Rebate
(RM)
a
Zakat/Fitrah
Subject to the maximum of tax charged
b
Fees/Levy on
Foreign Workers
Subject to the maximum of tax charged

pelepasan Cukai Individu 2011/2010

Posted by Mohd Farhan | Posted in , | Posted on Wednesday, March 07, 2012

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Bil.
Jenis Potongan Individu
Amaun (RM)
1
Individu dan saudara tanggungan
9,000
2
Perbelanjaan Perubatan Ibu Bapa
5,000 (Terhad)
3
Peralatan Sokongan Asas
5,000 (Terhad)
4
Individu Kurang Upaya
6,000
5
Yuran Pendidikan (Sendiri)
5,000 (Terhad)
6
Perbelanjaan perubatan penyakit yang sukar diubati
5,000 (Terhad)
7
Pemeriksaan perubatan penuh
500 (Terhad)
8
Pembelian buku, majalah, jurnal dan penerbitan
1,000 (Terhad)
9
Pembelian komputer peribadi untuk individu
3,000 (Terhad)
10
Tabungan bersih dalam skim SSPN
3,000 (Terhad)
11
Pembelian peralatan sukan untuk aktiviti sukan
300 (Terhad)
12
Yuran langganan Jalur Lebar
500 (Terhad)
13
Faedah pembelian rumah. Potongan cukai terhad kepada RM10,000 setiap tahun asas bagi 3 tahun taksiran berturut-turut bermula dari tarikh faedah mula dibayar.
Syarat kelayakan:
(i) pemastautin warganegara Malaysia;
(ii) pembelian rumah kediaman terhad kepada satu unit sahaja;
(iii) perjanjian jual beli ditandatangani dalam tempoh 10 Mac 2009 sehingga 31 Disember 2010; dan
(iv) rumah kediaman tersebut tidak disewakan.
Di mana:
(a) 2 atau lebih individu layak menuntut potongan bagi sebuah rumah kediaman; dan
(b) jumlah faedah yang dibelanjakan oleh kesemua individu berkenaan melebihi amaun yang dibenarkan dalam tahun itu. Setiap individu dibenarkan suatu potongan bagi setiap tahun mengikut formula berikut:
A x B
C
Di mana;
A = jumlah faedah dibenarkan dalam tahun berkenaan;
B = jumlah faedah dibelanjakan oleh individu berkenaan dalam tahun berkenaan;
C = jumlah faedah dibelanjakan oleh kesemua individu
10,000
(Terhad)
14
Suami/Isteri/Bayaran alimoni kepada bekas isteri
3,000 (Terhad)
15
Suami/Isteri kurang upaya
3,500
16
Anak di bawah umur 18 tahun
1,000
17
Anak berumur 18 tahun dan ke atas, belum berkahwin dan menerima pendidikan sepenuh masa
1,000
18
Anak berumur 18 tahun dan ke atas, belum berkahwin dan mengikuti diploma ke atas di dalam Malaysia @ peringkat ijazah ke atas di luar Malaysia dalam kursus dan di IPT yang diiktiraf oleh pihak berkuasa Kerajaan yang berkaitan
4,000
19
Anak Kurang upaya

Pelepasan tambahan sebanyak RM4,000 bagi anak kurang upaya berumur 18 tahun dan ke atas, belum berkahwin dan mengikuti diploma ke atas di dalam Malaysia @ peringkat ijazah ke atas di luar Malaysia dalam kursus dan di IPT yang diiktiraf oleh pihak berkuasa Kerajaan yang berkaitan
5,000
20
Insuran nyawa dan KWSP
6,000 (Terhad)
21
Skim anuiti baru atau tambahan jumlah anuiti sedia ada dan bayaran di buat mulai 01/01/2010 (apa-apa lebihan daripada premium anuiti baru atau tambahan melebihi RM1,000 boleh dituntut dan diambil kira bersama-sama jumlah premium insurans nyawa)
1,000 (Terhad)
22
Insurans pendidikan dan perubatan
3,000 (Terhad)

Malaysia Tax relief : ipad, galaxy tab?

Posted by Mohd Farhan | Posted in , , | Posted on Wednesday, March 07, 2012

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Are tablet computers such as Apple iPad, Samsung Galaxy Tab, Toshiba Folio, CSL Spice Mi700 DroidPad, Blackberry Playbook  Viewsonic ViewPad 7, etc. entitled for this personal income tax relief?

official answer from LDHN :

"if the tablet computer only have computer features and is for home and family use only, then it will be treated as "computer" and is entitled to the personal income tax relief of up to RM3,000, claimable once in 3 years.

This will be the case for Apple iPad, Toshiba Folio 100 and Blackberry Playbook. Let's say you purchased an Apple iPad 64GB with Wifi+3G at the price of RM2,599 in year 2011, and your tax rate is 24%, when you file your 2010 personal income tax now, you can claim back RM2,599 tax relief, which is equilvalent to a saving of RM623.76 in your income tax.

However, if the tablet computer also have handphone features in addition to computer features, which mean you can make phone calls and also send SMS/MMS using the telco service with the tablet, then it will be treated as a "phone" and is not entitled to personal income tax relief. This is the case for Samsung Galaxy Tab, Viewsonic ViewPad 7, CSL Spice Mi700 DroidPad, ZTE V9,etc.

you can contact LHDN at 1300-88-3010 or email to callcentre@hasil.gov.my for any questions related to tax. 

Paragraph 46(1)(j) of Malaysian Income Tax Act 1967, an amount limited to a maximum of RM3,000 is deductible in respect of the purchase of non-business use personal computer for individual tax payer.

Cara Menghafal Juzuk Al-Quran Guna Formula Matematik.

Posted by Mohd Farhan | Posted in , | Posted on Tuesday, February 14, 2012

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Al-Quran adalah peninggalan Rasulullah SAW kepada kita semua umatnya. Ada 2 benda yg Nabi Muhammad SAW tinggalkan kepada kita iaitu Al-Quran dan juga Sunnah untuk kita semua amalkan. Berapa kali korang baca Al-Quran sehari? 1 kali? 2 kali atau dalam solat sahaja? Pahala paling senang nk dapat adalah melalui pembacaan Al-Quran kerana setiap huruf diberikan 10 pahala, tambahan pula Al-Quran adalah kalam Allah (dtg daripada Allah sendiri bukan diciptakan manusia)

Tip yg saya nak kongsikan ni adalah cara utk menghafal muka surat setiap juzuk Al-Quran. Memang menakjubkan kerana hanya dengan menggunakan formula matematik ringkas, kita dapat tahu muka surat setiap juzuk Al-Quran.










Jom sama2 kita belajar...


Contoh 1



Jika korang ingin mengetahui Juzuk 6 di halaman ke berapa:

6-1 = 5, 5 perlu didarab dengan 2 jadi 6 x 2 = 12
Letakkan no 2 selepas jawapan.
Jadi, juzuk 6 adalah pada halaman 122
Sekarang lihat pada Quran dan anda akan lihat Juzuk 6 bermula pada halaman 122. Menarikkan?

Contoh 2



Jika korang ingin mengetahui Juzuk 12 di halaman ke berapa:
12-1 = 11, 11 perlu didarab dengan 2 jadi 11 x 2 = 22
Letakkan no 2 selepas jawapan.
Jadi, juzuk 11 adalah pada halaman 222

Contoh 3



Jika anda ingin mengetahui Juzuk 27 di halaman ke berapa:
27-1 = 26, 26 perlu didarab dengan 2 jadi 26 x 2 = 52
Letakkan no 2 selepas jawapan.
Jadi, juzuk 27 adalah pada halaman 522

Subhanallah, memang menakjubkan..SEBARKAN!




source : http://kitamanusiakelana.blogspot.com/2012/02/info-cara-menghafal-juzuk-al-quran-guna.html

Samsung Galaxy S II Secret Codes

Posted by Mohd Farhan | Posted in | Posted on Saturday, September 17, 2011

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Please download the complete Secret Codes for Samsung Galaxy S II here : 




Mediafire : 


http://www.mediafire.com/?9asbpg5gskvdht9


filesonic : 


http://www.filesonic.com/file/2021578011

Inventions by Muslims that changed the World

Posted by Mohd Farhan | Posted in , | Posted on Sunday, September 11, 2011

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Coffee,cheques and the crack-shaft are some of the Muslim innovations that we take for granted in daily life. Read some of innovations below : 



  1. Coffee - the first record of the drink is of beans exported from Ethopia to Yemen when Sufi Muslims brew the beans. They would drink coffee to stay awake all night to pray on special occations. 
  2. Chess - While a version of chess was played in ancient India, the game was developed into the form we know today, in Persia. From there, it spread westward to Europe where it was introduced by the Moors in Spain in the 10th Century.
  3. Soap - Washing and bathing are religious requirements for Muslims. It is no wonder the perfected the recipe of soap. 
  4. Pin-hole Camera - Tenth-Century Muslim mathematician Ibnu Al-Haitham invented the first pin-hole camera after noticing the way light came through a hole in window shutters. 
  5. Distillation - The means of separating liquids through differences in their boiling points was invented around the year 800 by alchemist Jabir Ibnu Hayyan.
  6. Crank-shaft - The device that is central too much of the machinery in the modern world, such as the internal combustion engine, was created by engineer Al-Jazari to raise water for irrigation. 
  7. The modern Cheque - This comes from Arabic saqq, a written vow to pay for goods when they were delivered, to avoid having to transport money across dangerous terrain. 
  8. Windwill - This was invented in 634 for a Persian caliph, and was used to grind maize and drawa up water for irrigation. 
  9. Fountain Pen - This writing instrument was invented for the sultan of Egypt in 953, after he demanded a pen which would not stain his hands or clothes. 
  10. Surgery - Many modern surgical instruments are of exactly the same design as those devised in the 10th century by a Muslim surgeon called al-Zahrawi. His scalpels, bone saws, forceps, fine scissors for eye surgery and many of the 200 instruments he devised are recognisable to a modern surgeon. It was he who discovered that catgut used for internal stitches dissolves away naturally (a discovery he made when his monkey ate his lute strings) and that it can be also used to make medicine capsules. In the 13th century, another Muslim medic named Ibn Nafis described the circulation of the blood, 300 years before William Harvey discovered it. Muslims doctors also invented anaesthetics of opium and alcohol mixes and developed hollow needles to suck cataracts from eyes in a technique still used today.
  11. Metal ArmorQuilting is a method of sewing or tying two layers of cloth with a layer of insulating material in between. It is not clear whether it was invented in the Muslim world or whether it was imported there from India or China. But it certainly came to the West via the Crusaders. They saw it used by Saracen warriors, who wore straw-filled quilted canvas shirts instead of armor. As well as a form of protection, it proved an effective guard against the chafing of the Crusaders' metal armor and was an effective form of insulation - so much so that it became a cottage industry back home in colder climates such as Britain and Holland.
  12. ShampooWashing and bathing are religious requirements for Muslims, which is perhaps why they perfected the recipe for soap which we still use today. The ancient Egyptians had soap of a kind, as did the Romans who used it more as a pomade. But it was the Arabs who combined vegetable oils with sodium hydroxide and aromatics such as thyme oil. One of the Crusaders' most striking characteristics, to Arab nostrils, was that they did not wash. Shampoo was introduced to England by a Muslim who opened Mahomed's Indian Vapour Baths on Brighton seafront in 1759 and was appointed Shampooing Surgeon to Kings George IV and William IV.
  13. Rocket and Turpedo - Though the Chinese invented saltpetre gunpowder, and used it in their fireworks, it was the Arabs who worked out that it could be purified using potassium nitrate for military use. Muslim incendiary devices terrified the Crusaders. By the 15th century they had invented both a rocket, which they called a "self-moving and combusting egg", and a torpedo - a self-propelled pear-shaped bomb with a spear at the front which impaled itself in enemy ships and then blew up.
  14. Parachute - A thousand years before the Wright brothers a Muslim poet, astronomer, musician and engineer named Abbas ibn Firnas made several attempts to construct a flying machine. In 852 he jumped from the minaret of the Grand Mosque in Cordoba using a loose cloak stiffened with wooden struts. He hoped to glide like a bird. He didn't. But the cloak slowed his fall, creating what is thought to be the first parachute, and leaving him with only minor injuries. In 875, aged 70, having perfected a machine of silk and eagles' feathers he tried again, jumping from a mountain. He flew to a significant height and stayed aloft for ten minutes but crashed on landing - concluding, correctly, that it was because he had not given his device a tail so it would stall on landing. Baghdad international airport and a crater on the Moon are named after him.
source : Islamic Finance, WHY IT MAKES SENSE. Daud Vicary Abdullah & Keon Chee, Marshall Cavindish, Singapore. 2010 & english.pravda.ru/science/tech/ website.

Samsung Galaxy S II Price and Maxis Package

Posted by Mohd Farhan | Posted in | Posted on Friday, June 17, 2011

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What is Islamic Finance and How is it different from conventional finance ?

Posted by Mohd Farhan | Posted in | Posted on Wednesday, March 09, 2011

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Islamic Finance is a form of finance that is based on Shariah, or the body of Islamic law. Shariah means "the path to the water source". Shariah is filled with MORAL purpose and lessons on the truth, and is hence more than just a set of legal rules. [1]

Shariah represents the idea that all human beings and governments are subject to justice under the law. Islamic law covers bigger scopes compared to conventional finance. Islamic finance has overarching requirement whereby every financial transactions must be shariah-compliant. To ensure that, five key prinsiples are strictly followed :


Belief in Divine Guidance - The universe was created by Allah and He created on earth to fulfil certain objectives through obeying His commands. These commands covers a substantial area of almost every aspect of life, including economic and financial transactions. Man needs such divine guidance because he does not have the power to reach the truth on his own. Not only is man imperfect, but also his 'reasons' are often confused with 'desires'.   

In conventional financial system, religion and government are kept separate and independent of each other. This is to uphold religious freedom and secularity in government (such that it is not influenced by any particular religion)

No Interest - You cannot earn interest on a loan or be required to pay interest on a loan. 

In conventional financing, this is like borrowing money from the bank and not having to pay a cent of interest. Islamic banks of course do not loan you money for free. If you were to obtain an Islamic loan for a project, instead of being charged interest for the loan, you could be paying fees or sharing a portion of your profits from the project with the bank

No Haram Investments - Money is to be invested in worthly causes, while companies that manufacture haram products like alcohol, tobacco, arms or pornography are avoided. 

This is similar in some ways to the conventional concept of socially responsible investing (SRI), which seeks to maximise both financial return and social good. Some practitioners of SRI abstrain from businesses similar to those that Islamic ventures would avoid

Risk sharing is encouraged - The idea of risk sharing is conscientiously promoted and regularly practised between business partners, such as between a customer and a financial institutions. For Islamic institutions, risk sharing is favoured in business dealings with its customers. This fosters the equitable distribution of risk, profits and losses. It also covers not only the creditworthiness of the customer risk sharing, but also the financial viability of the project. 

Risk sharing is meant to promote mutual trust and fairness in dealings among business partners, institutions and consumers. 

Financing is based in REAL assets - Financing extended through Islamic products can only expand in step with the rise of the real economy, thereby helping to curb excessive speculation and credit expansion. 

Conventional financing system typically based on the promise to pay where real assets are not tied to the transaction. This means that conventional financing activity can grow several steps ahead of the real economy, thereby causing speculation and UNJUSTIFIABLE asset price inflation

Islamic Finance is for all (muslim and non-muslim)

ref : 

Islamic Finance, Why It Makes Sense, Daud Vicary Abdullah and Keon Chee, Marshall Cavendish Business. 2010. printed in Singapore. 

To buy this book, please contact me. Recommended Price is RM69.90.   

Health or Healing ?

Posted by Mohd Farhan | Posted in | Posted on Tuesday, March 08, 2011

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People think of their health in one of two ways. They will either invest their thoughts and money into creating great health OR they will spend money to heal their body when they are sick.


Whatever your attitude, the simple fact is that you cannot enjoy life if you are sick, so it it wise to learn about anything that will help you achieve better health, or heal faster when you are sick. Most People can remember the last time they were sick, but can YOU remember the last time you felt really well ?


The world is full of advise on how you can become or stay healthy. The basics or exercise, sound diet and reduced stress are obvious, yet most people have stressed lives, poor diets, live in polluted environments, take medication which has side effects and most importantly, their bodies are under constant attack from pathogens which cause illnesses.


 Spend money to create great health OR spend money to heal your body when you are sick ? you decide!

Do you have any unclaimed money ?

Posted by Mohd Farhan | Posted in , , | Posted on Tuesday, January 04, 2011

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Starting end of 2010 onwards, you can perform an online search to see if you have any money with the Registrar of Unclaimed Moneys. The Unclaimed Moneys Act 1965 requires businesses to send to the goverment a report on any unclaimed money. It can be in a form of dormant bank account monies, life insurance policies, share dividends, unclaimed wages/salary and EPF contributions.

umaca.my allows free searches. All you need to do is key in your indentification number or full name. Based on record at Registrar of Unclaimed Moneys, approximately RM 1.5 billion of unclaimed money accumulated over the years, and millions ringgit added every years. the data in ucama.my covers records from 1998 onwards. New documents will be added from time to time once goverment releases new lists.

With this online information, you will save a lot of time and effort to claim your money. This system is free for individuals and fee will be charged for premium services to companies and professionals as well as INDIVIDUALS who seek their help to apply to the registrar to claim the money( go directly to registrar office in you dont want to pay..:p).


You can download the information pack from this website. If your money is less than RM500, you can download if for free. otherwise, 10 % of the value will be charged. this information pack includes a checklist and also a format of your application letter to the registrar.

what are you waiting for? click and check now!

How to Convince People Effectively

Posted by Mohd Farhan | Posted in , | Posted on Wednesday, February 10, 2010

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The ability make others believe what you believe is important for success in many fields. There is often a fine line between convincing somebody your views are valid and annoying them. In this article we’ll look at some of the techniques you can use if you want to convince another individual to believe what you believe.


Steps

  • Do the homework. Make sure you understand your own viewpoint. If you are going to try to convince somebody that the Komtar Penang is taller than the Petronas Twin Tower, find out the facts first, don’t make assumptions.

  • Learn the field. For certain areas you will need to know more than just the facts, as some subjects are subjective. For example, if you wanted to convince somebody that the Statue of Liberty was prettier than the Eiffel Tower you will need to know enough about architecture and aesthetics to argue about that subject, as well as the facts, like how tall they are. If you are selling something, like a car, you will need to know all there is to know about the car you are selling. Likewise, you will need to know all about the other cars that are in competition with your vehicle.

  • Engage the person politely. Maintain eye contact where possible, but don’t be annoying about it.

  • Establish mutual respect. You will never convince anybody of anything if they believe you do not respect them, so show the person you respect them and be good enough to gain their respect.

  • Gain trust. To convince people of most things you will need their trust. They don’t have to trust you as a person, but they do need to trust that what you are saying makes sense, that you know your “stuff”. The best way to do this is to do your homework and fieldwork, that way you know a lot about the subject.

  • Listen carefully to what your debate partner has to say. Respond thoughtfully to their point of view.

  • When you can, back up what you say with real facts. Lying will only convince somebody until they find out about the lie, then you will never be able to convince them of anything again.

  • Be willing to be convinced. Sometimes accepting one point from the other person and showing that you can change your mind when you are wrong will help them to be the same, and change their mind about the subject you care about.

  • Practice active listening. Active listening helps you control a conversation and keeps it on track. Active listening techniques include:
    • Non-verbal feedback. Nodding your head as the other talks etc.
    • Paraphrase what the other person has said to make sure you understand it.

  • Make sure you understand the other person’s objections and respond to them in an intelligent manner.

  • Keep vigilant about your belief, but always respectful of the beliefs of others. Explain why your belief is important to you.

  • Understand the other person’s motivations. If you know what another person wants, you are more likely to be able to give it to them.

  • Rephrase your beliefs in a way that the other person is better able to understand.

  • Follow up. Ask questions to make sure the other person understands their new views completely.


Tips

  • To hold the eye of a crowd select individuals in the crowd and hold their eyes on-and-off through your presentation.

  • Never lose your cool. Nothing lacks conviction more than a raving idiot.

  • Always be friendly and respectful even if the other person does not change their mind.

  • Beliefs fade. You may think you have changed somebodies mind but find that in a day or two, perhaps a week, they are right back to where they were before.

  • Buy and read some books on sales techniques.