What Is A Tax Deduction?

After deducting tax reliefs from your annual income, you can still reduce your chargeable income with tax deductions.

In Malaysia, a tax deduction is similar to a tax relief, where it reduces your chargeable income. Tax deductions are a result of Gifts and Donations.

Donations are only tax deductible if the donations are made to Government approved charitable organisation or directly to the Government, and you must keep the receipt of the donation.

For income tax 2017, if your chargeable income is RM55,000, and you’ve donated RM2,500 to an approved charitable organisation, you are allowed to deduct 7% of your aggregate income to reduce your chargeable income.

For income tax 2017, if your chargeable income is RM55,000, and you’ve donated RM2,500 to an approved charitable organisation, you are allowed to deduct 7% of your aggregate income to reduce your chargeable income.

Total chargeable income after tax deduction

= RM55,000 – (RM55,000 x 7%)

= RM55,000 – RM3,850

= RM51,150

10 Little Stories About the True Power of Love

Sometimes, life produces the kinds of situations and events that no Hollywood scriptwriter could ever dream up. Comical, ambiguous, unpredictable, tragic — life is such a multifaceted thing. But whatever happens, there’s always space for love, kindness, happy occurrences, and simple wonder.

We at gathered together 10 powerful stories that will hit you right in the heart.

Cara Mudah Dikabulkan Doa

Ahli sufi dan ulama terkenal, Abu Ishak Ibrahim al-Hurawi pernah berpesan, jika seseorang ingin doanya mudah diterima oleh Allah SWT supaya berjanji kepada diri sendiri untuk melaksanakan lima perkara berikut:

• Mengawal makan dengan memakan sekadar perlu sahaja.
• Memakai pakaian yang perlu sahaja dan tidak berlebihan.
• Mengawal tidur, dengan tidak tidur secara berlebihan.
• Mengawal percakapan dengan perkara yang baik-baik sahaja.
• Selalu merendah diri, menjaga dan memelihara hawa nafsu, pancaindera dan anggota badan daripada terjerumus kepada perbuatan dosa.

Kelebihan / Fadhilat Ayat Al-Kursi

  بِسۡمِ ٱللهِ ٱلرَّحۡمَـٰنِ ٱلرَّحِيمِ                                         

Ayat 255 dari Surah Al-Baqarah yang lebih dikenali sebagai‘Ayat Al-Kursi’ ini juga digelar ‘Penghulu Segala Ayat Al-Quran’.

Ayat ini diturunkan selepas hijrah Nabi Muhammad SAW, dengan diiringi oleh beribu-ribu malaikat karena kebesaran dan kemuliaannya. Syaitan dan iblis juga telah menjadi gempar kerana adanya satu alamat yang menjadi perintang dalam perjuangan mereka. Maka Rasulullah SAW dengan segera memerintahkan Zaid bin Tsabit (penulis Al-Quran) agar menulis serta menyebarkannya.

Ayat ini disebut ‘Ayat Kursi’ kerana di dalamnya terdapat perkataan ‘KURSI’, bermaksud ‘Tempat Duduk Yang Megah Lagi Yang Mempunyai Martabat’. Iaitu syiar ataskebesaran Tuhan yang meliputi 7 lapis langit dan 7 lapis bumi.

Posisi Seks Yang Anda Inginkan??

Kalau korang baca Kamasutra, mesti korang dapat banyak idea untuk posisi-posisi hubungan seks yang boleh korang terokai. Tetapi, antara banyak-banyak posisi seks yang diketahui, terdapat enam posisi seks yang diminati oleh ramai pasangan Melayu.

Berikut disenaraikan posisi seks tersebut.

1. Posisi Seks Missionary

Dalam posisi seks missionary, lelaki berada di atas, manakala perempuan berada di bawah. Posisi seks ini adalah posisi seks yang paling banyak di amalkan kerana sudah lumrah sifat lelaki untuk menjadi ketua atau memimpin. Jadi dalam posisi seks ini, lelaki mengetuai, dan “in control”. Posisi seks ini juga memudahkan lelaki memasukkan zakar ke dalam kemaluan pasangannya.

15 Buku Untuk Cabar Pemikiran Anda

Seperti mana ada yang sukakan aktiviti cabaran fizikal seperti rock climbing, water rafting, para-gliding dan lain lain, pastinya ada diantara kita yang sukakan bacaan yang mencabar pemikiran, yang bertentangan dengan pendapat peribadi sendiri atau norma masyarakat. Terminologi thought provokingselalu digunakan untuk menggambarkan buku buku sebegini.

Selain daripada unsur unsur thought provoking, sesuatu bacaan yang mencabar ialah apabila ia sarat dengan kronologi peristiwa, fakta dan terma asing dalam subjek yang bukan bidang kepakaran kita.

Kesemua bahan bacaan yang mempunyai unsur dinyatakan di atas, jatuh dalam kategori mencabar pemikiran pembaca. Ianya baik untuk mencambahkan corak berfikir, memahami perkara atau konsep baru dan dapat berpartisipasi dalam proses berfikir yang digarap oleh penulis. Lazimnya pembaca tidak perlu setuju 100% dengan argumen yang dibawa oleh penulis. Ini kerana konten buku adalah untuk merancakkan percambahan idea tanpa obligasi untuk bersetuju sepenuhnya dengan penulis. Budaya ini adalah sangat baik untuk melatih pembaca meraikan pandangan dan sudut fikir orang lain.

Kami senaraikan 15 buah buku yang akan mencabar pemikiran anda dari segi, penerimaan & kefahaman fakta, kronologi, terma kewangan, sejarah, serta sudut pandang sosial yang berbeza atau kata lain, thought provoking.

The Last Cassette Factory in Malaysia

JUICE speaks to both ends of the demand and supply of cassettes to uncover why the supposedly archaic physical medium – whose sound quality isn’t even up to par with digital formats – is still viable in this day and age of online streaming and illegal downloading of music.

How JUICE discovered Express Audio Industry — the last cassette factory in Malaysia — is how many other people have found the company; through word of mouth. Having had the opportunity to interview a number of local musicians, if the conversation would veer into cassette releases, the name of the factory would come up and the fact of their terminal existence would be emphasised. Although we knew that cassettes are still a staple among the DIY, underground scene, we were nevertheless intrigued by the whole notion that cassettes are still relevant at all, so, we decided to investigate into the matter.

Express Audio Industry Sdn. Bhd. has had an illustrious business back in the ‘80s and the ‘90s when cassettes were enjoying the luxury of being the popular medium for people to enjoy music. The company had the exclusive deal with conglomerate record label Polygram to press all the releases of their expansive roster of local and international artistes, from Cantopop à la Alan Tam, to beloved heavy metal band Metallica, to popular ‘70s local rock band Alleycats. They were a key player in the cassette duplication industry, but as one can imagine, when CDs came along in the ’90s, followed by the personal CD-ROM burners that enabled easy quality and efficient duplication (read: piracy), the decline in sales for cassettes started to occur.

8 Novel Melayu Berkualiti Mesti Di Baca

Tidak banyak novel melayu terbitan baru yang menyamai semangat novel melayu yang ditulis oleh sasterawan dan enthusiasts bangsa dan bahasa.

Kebanyakkan novel melayu tidak lagi diterbitkan setelah habis cetakan. Institut seperti DBP dan ITBM mempunyai sebilangan besar jumlah novel-novel ini, tetapi tidak ramai yang mengetahui kewujudan novel melayu berkualiti ini . Tidak dilupakan, penerbit indie seperti Dubokpress juga ada menerbitkan novel melayu berkualiti tinggi, selain buku bukan-fiksyen yang banyak menyentuh isu kemasyarakatan dan kritis sosial. 

Listopia 100 Novel Melayu Yang Mesti Di Baca, adalah permulaan yang baik untuk mencari semula karya karya emas ini. Kombinasi penulis lama dan baru, mereka sama sama merancakkan lagi dunia novel melayu berkualiti yang pernah kita nikmati dulu.

Inilah 8 Amalan yang Mendatangkan Syafaat di Hari Kiamat. SHARE Semoga Bermanfaat Pada Orang Lain Juga..

Rasulullah SAW merupakan pemimpin yang sangat dicintai oleh umat muslim. Beliau sentiasa mengajarkan amalan kebaikan serta memberikan ganjaran berupa memberikan syafaat bagi orang yang Allah dan beliau kehendaki. 

Syafaat yang diperoleh seorang muslim akan menjadi saksi amalan kebaikan baginya saat di hari kiamat kelak. Banyak orang yang beranggapan bahawasanya untuk mendapatkan syafaat dari Rasulullah adalah dengan berziarah ke makam beliau.

Padahal yang demikian ini tidak pernah diajarkan oleh Rasulullah sendiri. Beliau justeru memberi tahu mengenai amalan yang dapat mendatangkan syafaat di hari kiamat kelak. Lantas amalan apa sajakah yang dimaksud? Berikut informasi selengkapnya.

Sudah Cuba Pelbagai Jenis Diet Tetapi Gagal? Mungkin Ini Salah Satu Penyebabnya...

Sudah sebulan diet, namun hasilnya langsung tidak membuahkan apa-apa kesan. Dimanakah silapnya? Apakah puncanya?

Jom semak senarai di bawah dan cari di manakah silap kamu ketika mengamalkan gaya hidup diet.

Gula

Sebenarnya kita langsung tidak menyedari bahawa makanan manis seperti pasta, sup, sereal, salad dan sos mengandung gula dan juga bahan pemanis seperti sari tebu, buah, glukosa, dekstrosa, sukrosa dan madu. Jika kamu mengambilnya dalam jumlah yang tinggi, kamu akan kehilangan nutrisi penting daripada makanan dan akan kehilangan nutrisi penting daripada makanan dan membuatkan selera makan kamu semakin bertambah.

Things Kids Of Today Won’t Understand

Today’s Kid Won’t Understand

Being a kid born prior to the millennium, I’ve had my fair share of VCR tapes, floppy disks and Beverly Hills 90210. Kids today are connected on their smartphones and tablets that they simply don’t understand the struggles of having to call on someone and see if they could come out and play after dinner.

While we were watching Saturday morning cartoons and gobbling down fruit loops, kids are now watching Keeping Up With The Kardasians while shopping online. While every generation has their perks, here are some things that children of today will never understand.

Dial-Up Internet

Waiting for someone to put down the phone so that you could finally dial-up to the Internet was such a home drama. Yelling and arguments broke out so often that mum and dad had to step in. The result: nobody could use the phone at all. The nerve…

5 Most Expensive International Schools In The Klang Valley

To ensure their children remain competitive in the increasingly borderless world, more and more Malaysian parents are opting for international and private education for their children. However, these schools do not come for cheap.

In 2012, the Malaysian government has eliminated the quota for Malaysian enrolment at international schools. Due to the quota and the lack of affordable options, only selected affluent Malaysians could afford to send their children to these schools previously.

The 2012 decision to remove the quota has opened the floodgates and more international schools are mushrooming all over the country. According to the latest data by the International School Consultancy Group (ISC), a UK-based organisation, there are currently 99 English-medium international schools in the country, with a total of 39,460 students.

The market has been growing at a rate of 19% per annum for the past five years, and it is showing no signs of stagnation.

Based on latest findings, 40% of the students in these premium schools are local Malaysians, 9% British, 6% South Korean and 4% American.

How expensive are these premium schools really? We have collated the top 5 most expensive international schools in the country and this is how much you will have to fork out to send your child to these schools from nursery all the way till graduation:

7 Signs You Are Heading For Bankruptcy

Identifying the warning signs of an impending personal financial crisis is extremely important. Sometimes these signs may be the only thing keeping you from bankruptcy.

You may be headed into a serious debt problem if you’re seeing one or more of these signs:

1. Maxing out on your credit cards or charging more than you can pay off each month

The Malaysian Department of Insolvency stated that credit card debt made up 5% of all bankruptcy cases in Malaysia between 2005 and 2012. You can see other causes here.

It is important to ensure that you use credit cards prudently. The general rule of thumb is to use no more than 30% to 40% of your credit limit at any one time. This gives you flexibility in case of job loss, illness, divorce, or other threats to your income.

Keeping Employees Happy, 5 Key Lessons

Keeping Employees Happy

According to a JobStreet.com survey on Employee Job Satisfaction in Malaysia, 78% of the respondents claimed that they were unhappy with their current job. While it is often perceived that the main reason many young talent leave a company is due to the low salary, only 17% out of the 1,145 respondents quoted salary as the main reason for influencing their unhappiness at their current job.

Dissatisfaction with their scope of work was the top reason many felt unhappy at work. Most of these unhappy employees said they felt that they have too much work or that their work is predictable and boring. Another factor was also their poor relationship with their immediate supervisor or boss.

Overall, the employees agreed that the key changes determining their wellbeing at work would need to include opportunities for career development and also work-life balance in the company. If the needs are not met, the majority said they would find another job to restore their happiness at work.

Research has showed that profits are higher when employees are loyal and engaged in the company while on the contrary, the company suffers when employees feels unmotivated or undervalued. Studies have also shown that engaged employees perform better, miss less work, adaptable and are more supportive to changes.

Happy employees are also satisfied and feel a sense of accomplishment in their work – a sense that what they do is important and meaningful. Such feelings reduce stress, which is a major factor of productivity.

To create an environment where happiness and productivity flourish, here are 5 key lessons to consider:- 

Qucik Skillet Steak With Onions And Mushrooms

Meat lovers will LOVE this quick weeknight steak dish! 

Mushrooms and onions are the perfect compliment to steak, plus they add bulk without added calories or fat. A great example of using steak as a condiment. 

Originally when I made this steak dish, it was intended for my steak sandwich recipe, but since this is also so good over rice, I felt it deserved it’s own post. Serve this with a salad and you have a complete meal! 

Have all your vegetables sliced and ready before you start cooking, this takes only minutes to make once everything is prepped. Enjoy : ) 

'Saving Tips' Ikut Cara Orang Kaya Ini Akan Membantu Kamu Menyimpan Duit

Tak ada siapa di antara kita yang tidak mahukan 'saving' duit. Ada ketikanya pasti kita terfikir bagaimana golongan kaya dan berjaya mengumpul kekayaan mereka.

Memetik laman web lifehack.org, terdapat beberapa tips yang boleh dipraktikkan dalam kehidupan harian kita untuk menyimpan wang sama seperti apa yang dilakukan golongan berada.

Jadi, kepada kamu yang susah nak saving tu, cuba amalkan tips tersebut, walaupun ringkas pasti ia akan merubah hidup korang.

4 Ways To Simplify Insurance Planning For Your Growing Family

Being a parent means a life full of joy and love, but at times, with a dash of sacrifice and a few heaps of sleepless nights plagued with worries. And us, parents won’t have it any other way.

Even when we are not around our kids, we constantly think about them and wonder what they are up to. Perhaps nothing can really take away the constant worries, but if we prepare for it sufficiently, we can be better equipped at providing the best for our children.

If one of the family members is ill, the last thing a parent wants to worry about is money. As a parent we want to be able to afford the best care and the best treatment – without a second thought. However, the truth is, medical treatment has become so expensive in recent years that in such a situation, money is the first problem that we have to tackle.

One of the most effective ways to prepare for such eventualities is by building an adequate insurance portfolio, not just for the children, but for the entire family.

How do you ensure that your insurance portfolio stand the test of time? Starting and raising a family are expensive affairs. One wrong move can result in a financial hit that may take years to recover from, which is why you need to ensure your insurance planning is able to withstand any stress as your children grow up.

Here are a few things you need to consider to ensure your insurance portfolio for the whole family is financially sustainable:

What Is Zakat?

Earlier this month, the chief of Federal Territories Zakat Council stated that it is sinful to pay zakat directly to the poor instead of handing it to Zakat collection centers. Subsequently, it was also reported that distrust was amongst the reasons some Muslim’s choose not to contribute to the Zakat collection centers.

In an effort to shed some light on the Zakat issue, we talked to Employer Collection Sector Manager from Lembaga Zakat Selangor (LZS), Encik Wira Mustafa to understand what it entails, why it’s not encouraged to pay Zakat directly to the poor and to find out how the funds are used.

What is Zakat?

Encik Wira: Zakat is the third pillar of Islam and is wajib (compulsory) on Muslim’s who meet all the conditions. The word Zakat itself means to purify. Technically Zakat means a fixed proportion collected from a specific type of mal (wealth) when they reach the haul (specific term) which must be distributed to specific categories of people. Giving Zakat means Muslim’s are purifying their wealth by giving a part of it to the needy as well as to gain Allah’s blessing on their wealth. It teaches us to sacrifice a part of our wealth, to cleanse our wealth by means of Zakat.

Financial Tips You Should Know For 2016

Top Financial Tips For 2016

Start your year right by ensuring you have plenty of savings set aside for emergencies or to grow your wealth! This might be a tip you often hear but that’s because it will always stay relevant regardless of what year it is. If you don’t have any savings yet, you need to start pronto! If you already have savings, look into trying to increase the amount of your savings and putting the money into investments where you can gain high returns.

Top financial blogger KC Lau’s advice is to

“save at least 30% of your income, and invest for double digit returns.”

Things You Should Never Buy Cheap

Scoring a bargain and being able to save money is great but there are certain areas in life that you should not be skimping on. Check out the list below to find out what are the things you should never buy cheap!

Before we start listing out the items, here are a few of the criteria that we’ve used to help you determine why you should never buy these things for cheap:

• If it is something that you use daily or regularly
• If it is something that you consume
• If it is something that involves your health
• If it is something that you plan to use for a long time