Sunday, March 24, 2013

EPF 1 Malaysia Scheme

what is this?

Tuesday, March 19, 2013

children games website

Monday, March 18, 2013

hasil - e-filling

how to do e-filling

Customer Service Centre contact number:
Quick Reference
  • Salary Group (No Business Income)
  • 03-4289 3600
  • Business Group (Self Employed / Partnership)
  • 03-4289 3700
  • e-Filing
  • 03-4289 3535
General Services
  • General Inquiries / Suggestion / Complaint
  • 1-300-88-3010
  • 603-4289 3500 (Overseas)
  • Fax
  • 03-4289 3400

all the guide are here

very good FAQ

Q28: I am a real estate agent / stocks / insurance / direct sales business. 
But I have not registered with the Companies Commission of
Malaysia. What form should I use to declare my income? 

A28: Types of forms to be filled is not depending on whether you have 
registered the business with the Companies Commission of Malaysia
(SSM) or not. It depends on the source of the income received by you
whether or not a business source. 

Income received by an independent agent is treated as business income.
Therefore, you must declare the income in Form B.

 Q29: I run a small business and I do not keep any business records. The
Profit and Loss Account is based on estimates. How am I going to
submit my tax return? Will my estimated income statement be
accepted by IRBM? Will I be penalised for not keeping complete

A29: You can refer to Helaian Kerja HK-1(Working Paper) in the Guide Book 
which can be downloaded from This working sheet
guides you on how the Adjusted Income is to be calculated. Whether the  
Profit and Loss statement submitted by you can be accepted depends on
the Tax Audit that may be carried out by our officers. In view of this, you
are advised to keep full and proper records to avoid being penalised as
provided for under Section 82 and 82A of the ITA 1967. Failure to comply
is an offence punishable by a fine of not less than RM300 and not
exceeding RM10,000 or imprisonment for a term not exceeding 12 months
or both. Please refer to the Public Ruling 5/2000 (Amended) dated
30/06/2001. You can view it at

Sunday, March 17, 2013

NEW ways of Credit Card Stealing ... BE AWARE! ALWAYS CHECK Your Credit Card After Use! Scary!

New way of STEALING...

Be sure to read Scene 3 ...
Quite interesting.

This is a NEW one.
People sure stay busy
Trying to cheat us, don't they?

A friend went to the local gym and placed his belongings in the locker.  After the workout and a shower, he came out, saw the locker open, and thought
to himself, 'Funny, I thought I locked the locker...

Hmm, 'He dressed and just flipped the wallet to make sure all was in
order.  Everything looked okay - all cards were in place...

A few weeks later his credit card bill came - a whooping bill of  $14,000!

He called the credit card company and started yelling at them, saying that he did not make the transactions.

Customer care personnel verified that there was no mistake in the system and
asked if his card had been stolen...
'No,' he said, but then took out his wallet, pulled out the credit card, and yep -  you guessed it - a switch had been made!

An expired similar credit card from the same bank was in the wallet.

The thief broke into his locker at the gym and switched cards.

The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them.

How much did he have to pay for items he did not buy?

$9,000! Why were there no calls made to verify the amount swiped?
Small amounts rarely trigger a 'warning bell' with some credit card companies.
It just so happens that all the small amounts added up to big one!

A man at a local restaurant paid for his meal with his credit card.

The bill for the meal came, he signed it and the waitress folded the receipt and
passed the credit card along.

Usually, he would just take it and place it in his wallet or pocket.  Funny enough,
though, he actually took a look at the card and, lo and behold, it was the expired card of another person.

He called the waitress and she looked perplexed.

She took it back, apologized, and hurried back to the counter under the watchful eye of the man.

All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card.

No exchange of words --- nothing!
She took it and came back to the
man with an apology..
(This scenario actually happened to me at a local restaurant - Falls Terrace - between the waitress and the front desk cashier.)

Make sure the credit cards in your wallet are yours.

Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time.

Many people just take back the credit card without even looking at it, 'assuming' that it has to be theirs.

Yesterday I went into a pizza restaurant to pick up an order that I had called in.

I paid by using my Visa Check Card which, of course, is linked directly to my checking Account.

The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty standard procedure.

While he waited, he picked up his cell phone and started dialing.

I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds
when I take a picture.

He then gave me back my card but kept the phone in his hand as if he was still pressing buttons.

Meanwhile, I'm thinking:
I wonder what he is taking a picture of,
oblivious to what was really going on.

It then dawned on me:
the only thing there was my credit card, so now I'm paying close attention to what he is doing..

He set his phone on the counter, leaving it open.  About five seconds later, I heard the chime that tells you that the picture has been saved.

Now I'm standing there struggling with the fact that this boy just took a picture of my credit card.

Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened.

Needless to say, I immediately canceled that card as I was walking out of the pizza parlour.

All I am saying is, be aware of your surroundings at all times.

Whenever you are using your credit card take caution and don't be careless.

Notice who is standing near you and what they are doing when you use
your card.

Be aware of phones, because many have a camera phone these days.

 Never let your card out of your sight ...check and check again!

Scary isn't it ...

New way of STEALING ...
Don't delete this one!!

Monday, March 11, 2013

Car Insurance Claim Void ?!

In any case, when making a police report, you must  ALWAYS report that the CAR WAS STOLEN without  your knowledge. If you reported it as the car was driven away when it was left in the car wash, no insurance will pay you.You can only sue the company for negligence.

Advice: Let the professional do the report !  
I have a car crashed and broke a lampost,and the towing agent told me to pay RM100 to let him and "the professional"do the standard report that can guarantee dapat the insurance claims! I got the claims and escape paying for the broken lampost !   I was warned: If I were to report the actual reasons my way on how the car crashed, I won't be able to get the insurance claims.

Note:Reasons such as tyre bursts, driver tidur, car skidded, heavy rain, car went out of control, road slipery etc  all these reasons will be rejected by insurance companies and you get zero claims. It must be reported as an 
accident not because of your fault, the car's technical fault, road fault, weather's fault but must put the blame on others as the cause of accident !

You can declare yourself as the cause of accident, can still get the insurance claim, but the Police will fine you first RM300 and you have to pay for the replacement of the damaged lampost !

A Lampost at Plus Highway will 
cost you RM4000 ! 

In an unrelated event: Loss of IC  If you lose your IC and go to get a replacement at the Bahagain Pendaftaran, the fine is RM100
for a first offender. If you lost your IC again, the fine will be doubled and so on. 

If you made the police report that your IC was pick-pocketed (somewhere, say Pasar Malam) the Bahagian Pendaftaran won't fine you!
You get the replacement for free within 24 hr! Just trying to out smart them.

Same thing if you parked your
car under a tree
and a branch fell off and damaged your car. If you report as a parked car – your claim will not be entertained. You have to report that while you are driving your car, the branch fell and damaged your car.

Sunday, March 10, 2013

parenting sites

Friday, March 08, 2013

Tips on selling your car

YOU'RE thinking of selling your old car. Of course, you're going to want to get the best price for it.
But before you do that, you need to ensure it's worth its resale value. Here are some simple points to consider before selling your car.
Is there demand?
Before you decide to push off your car, it doesn't hurt to do a little research to find out if there's demand for what you're selling.
“There's good demand for small, fuel-efficient vehicles, either from parents looking to purchase cars for their college-going children, from those that have just entered into the workforce or even from people looking to own a second car,” says Derrick Lam, a former used car salesman.
He says that multi-purpose vehicles are also in good demand.
“These are especially for young couples or families looking to upgrade to bigger vehicles,” he says.
The price
Setting the price of your car is determined by a number of factors such as the age and condition of the vehicle. If this works to your favour, then you're going to have a better chance of asking for a higher price, says Lam.
“When looking for the right price for your car, try to get a second or third opinion. Doing research also helps. How much is a similar vehicle like yours going for in the used car market?
“When you set your price, set it between RM500 and RM1,000 more than your actually selling price. This is because when potential buyers negotiate, they like to do it in huge amounts and not in small quantum.”
Getting a second opinion on pricing also helps, says seasoned used car salesman, Sonny Soh.
“Cross reference with the newspapers or used car dealers to find a suitable price,” he says.
Good condition
Of course, to get the best value for your car, it's imperative that the vehicle you're selling is in good condition.
“Keeping it accident free is the best thing you can do to preserve your car's resale value,” says M. Gopal, a used car trader.
“Keeping it clean, doing maintenance jobs on a regular basis is also a big help. No one's going to buy a car that's poorly maintained and dirty,” he says.
Gopal adds that “souping up” or adding extreme modifications to your car might not enhance its resale value.
“This actually narrows down your target market as the add-ons won't appeal to everyone,” he says.
A simple and inexpensive way to let people know you're selling is through word of mouth.
“Tell your friends and colleagues you want to sell your car. They could help pass the message for you,” says Gopal.
Alternatively, one can advertise in the newspapers or automotive trade magazines, says Dave Foong, manager at Kuala Lumpur-based Zaibi Motor Sdn Bhd.
After sales
Once the car has been sold, then it's up to the new owner to maintain the vehicle. However, what if for some strange reason, something goes wrong?
Foong says in situations like this, it's always better to buy a used car from a reputable company rather than an individual.
“If you buy it from a reputable company, it may provide you with a warranty. So if there's something wrong with the car, you can take it back and get it fixed.
“It's more risky buying from an individual because you get no such assurance.
“If you do get the vehicle from an individual, then it's best to take it to a mechanic or someone who knows enough about cars to be able to tell you if it was worth the purchase in the first place.”


How do I conduct bankruptcy search?

You may conduct an online search at our website under the ‘Services’ link. A fee of RM12.00 will be charged to your credit card. Please note that payment must be done via credit card only. Another method is via counter in our Headquarters Putrajaya. A fee of RM10.00 is payable via cash. You will receive the bankruptcy search result within 15 minutes.


Monday, March 04, 2013

What is your financial stamina and how do you improve it?

Imagine that you are retired. But are you aware that you may retire for as long as 30 years, especially since life expectancy keeps going up? So before you retire, you are working hard to earn as much money as you can, but time is running out. What else can you do to build your financial stamina in order to last the long haul? AMELIA HONG writes.
SAVINGS ADD UP: No matter how much you earn, save a little of it. Start as little as 5% and keep moving up. No one is too broke to save because it is a matter of your mind-set and nothing is too difficult to trim.
Make this a real effort for the first 10 years of your money making life because doing this early makes “time” and “returns” your financial buddies.
If you put in RM1,000 every month when you are 25 until 55 at a return of 8% per annum, you will accumulate a whopping RM1.4mil. Delaying this 10 years later, you need to double the effort to setting aside RM2,500 each month to get to the same finish line.
SPENDING WITH THOUGHT: Know the difference between wants and needs. Always ask yourself, “Do I really need this?” Giving up an expensive car now may mean that you have an extra half a million in your pocket 20 years later. Also, take note of the true cost of owning something because maintaining the item bumps up the cost. An example will be an expensive membership with a high annual fee requirement.
STAY AWAY FROM BAD DEBT: Credit card debt of 18% p.a. is going to double your debt in four years. A debt of RM40,000 will take 10 years and seven months to clear if only the minimum was paid and a total of RM16,912 in interests. Imagine what you can do with the interests instead − a holiday for two, a deposit for a new car, a start-up capital for a business or simply an injection into your retirement portfolio.
Will you finish the financial race with a medal? Strengthen your financial stamina with these three simple financial habits. Think about it.


Kenanga’s Global Market Outlook Seminar 2013 is back!

Kota Kinabalu
12-Mar-13 (Tue)
Hyatt KK
6pm – 10pm*
13-Mar-13 (Wed)
Highland Restaurant
6pm – 10pm*
14-Mar-13 (Thu)
Hilton Kuching
6pm – 10pm*
15-Mar-13 (Fri)
Gurney Hotel
6pm – 10pm*
Klang Valley
16-Mar-13 (Sat)
Empire Hotel, Subang
11am – 3pm**

* Dinner provided

Kid Zania Ticket

Ages: 4 - 17 Kid (Malaysian)       RM 60.00
Ages: 18 - 59 Adult (Malaysian)  RM 35.00

Ticket for one adults and 3 kids - [RM 60 x 3 ] + RM 35 = RM 215


Sunday, March 03, 2013

children chinese portal for learning

Breakfast - bread with cheese