Tax Rates For Year Of Assessment 2016 (Tax Filed In 2017)

Now that you understand how to derive your chargeable income to file for your 2016 income tax, we can calculate how much tax you will be paying for last year’s assessment.

9 Cara Pencetus Ghairah & Keseronokan Suami

9 Sensitif Isteri..

Tak Puas Seks

Suami anda dingin? Memberikan alasan tak bertenaga? Tak de mood? Tapi perasaan anda sedang membuak2? Ada beberapa tips berguna yang dapat dipraktikkan untuk menaikkan semangat dan nafsu suami.

Pencetus Ghairah Suami

Tatkala suami seakan tidak bernafsu untuk melakukan hubungan seks, ramai isteri akan menuduh suami punya ‘cawangan lain’. Hanya sedikit yang memandang bahawa puncanya mungkin adalah dari diri sendiri. Tidak mustahil apa yang terjadi ini sebenarnya bukan kerana kehadiran orang ketiga tapi kerana anda lupa untuk menggilap aspek diri yang menjadi pencetus ghairah suami.

Kealpaan ini membuatkan lama kelamaan suami mula bosan dan tawar hati untuk mengadakan hubungan seks. Jadi sebelum ia berlaku pada diri anda maka perhatikan 8 pencetus ghairah seks suami yang pada diri anda dan gilaplah ia sebelum terlambat.

When Connections Are Bad, They’re Bad

Can you remember a time when you needed to download something from the website and you were just staring at the estimated time left for the document to be downloaded?

Especially when the loading bar reached 99%… and the stupid internet connection gets disrupted.

We bet this is what you look like when that happens.

Sometimes, you even caught yourself pleading or making promises at the loading bar! Like, “OMG, there’s only another 5% left, if you reach 100%, I will never curse you ever again, I’ll even polish you!” Yeah, like it’s going to respond to your emotions and hurry up just to please you. Good try though, buddy.

Or perhaps, when you are studying abroad and you need to call your parents on Skype and the line is just horrendous. The call gets through, and you spend the next ten minutes saying “Hello, can you hear me?”. You try a few more times, saying hello. 10 minutes, now 30 – all your precious time wasted.

Anyway, fear not folks, we will share some tips on how to improve your internet speed.

A place in Malaysia you’ve probably never heard of : Bau, Sarawak

The people that live there

There are over 40 sub-ethnic groups in Sarawak and three main linguistic groups: Biatah, Singai-Jagoi, and Bukar and Sadong. In the Bau region located about 40 minutes from Kuching, the major sub-ethnic group are the Singai-Jagoi Bidayuhs. Bidayuh, which translates to ‘people of the land’, were formerly known as the Land Dayaks and they make up the second largest native ethnic group in Sarawak after the Ibans.

People of the Bidayuh tribe during the Gawai Dayak festival | Photo credit: CHEN WS / Shutterstock.com

Tribes in the Bau region are believe to have come from West Kalimantan some 700 years ago. In particular, the Jagoi-Bratak people chose to settle on top of Mount Bratak where they felt it was safe, and that actually held true for quite some time as the settlement was well fortified and flourished.

How Small Businesses Can Prepare for Marketing in 2017

The best way to prepare mentally for marketing in 2017 is to start fresh, with a clean slate. For the moment, forget about what you accomplished and failed to accomplish with your marketing in 2016; set aside all the baggage of frustrations and disappointments you picked up along the way. Think as if you are starting from scratch and ask yourself: What is the one thing we must accomplish with marketing in 2017?

That is really the key question. Small businesses have limited resources -- limited funds and limited time -- so focus is of the essence! Many small businesses go around in circles with marketing because they dabble, trying to do a little bit of everything instead of trying to do one thing really well. Avoid this trap and you’ve already got a leg up on the competition going into 2017.

21 Quotes That Perfectly Capture The Thrill Of Traveling

"You have brains in your head and feet in your shoes. You can steer yourself in any direction you choose! You're on your own and you know what you know. Only YOU can decide where to go!"

lofilolo / ThinkStock

Flickr: kokorowa / Creative Commons

Is Your Financial Portfolio Missing One Key Ingredient?

Majority of Malaysians do not have adequate insurance coverage. This situation exists because not many of us are aware of the importance of financial protection, as we’ve been focusing solely on wealth accumulation through savings or investment gains.

What if we told you that not having adequate insurance coverage actually means you will risk missing out on your investment?

According to the “Protection gap or under-insurance gap in Malaysia” study, commissioned by Life Insurance Association of Malaysia (LIAM), both insurance and takaful cover only 56% of the Malaysian population – which is pretty low compared to other developed countries.

Malaysians generally do not take up adequate insurance protection simply because they lack the understanding of its advantages. Some are also under the misconception that insurance is something you get when you can afford it.

However, the reality is, the earlier you get your insurance, the higher the probability of being covered while you are still healthy.

Best secondhand and rental bookstores in KL

Do you prefer your books to have a bit of character? Roll up your sleeves and score a literary gem or two at these top secondhand and rental bookstores in KL. 

Jumble Station

Jumble Station is a community outreach initiative by the NGO Parents Without Borders to help raise funds for single parents. There’s a small corner in the shop that sells secondhand books which were donated by the public. Get three books for RM10, two for RM8 and one for RM5.

Address:

	The School Jaya One 72A Jalan Universiti Petaling Jaya 46200
Opening hours:	Daily, 10.30am-8pm

Will You Be Able To Keep Your Home If You Lose Your Job?

After saving for years to buy your home, it seems too careless to lose it because of disability, illness or retrenchment. If you don’t have a plan B for these instances, how will you be able to make your home loan repayments?

Disability and death are covered by Mortgage Level Term Asssurance (MLTA) or Mortgage Reducing Term Assurance (MRTA), but what about retrenchment?

If the word ‘retrenchment’ doesn’t send chills down your spine, the stats below would likely make you shudder.

From January to September 2015 alone, more than 20,000 employees lost their jobs in Malaysia, and the retrenchment trend is expected to continue in 2017.  The truth is, job security is not what it used to be, and if you are unfortunate enough to be retrenched by your employer, getting another job immediately may not be as easy as well.

Hiring has also slowed significantly. Monster, a global online employment firm, said its year-over-year study of job postings on the Internet showed a 39% drop across all occupations and sectors in Malaysia.

Even jobs in the public sector were also harder to come by as the government froze hiring of civil servants except for critical positions last year.

Tumis Air Bayam Merah

Kita hari-hari memang kena masak dan makan sayur. Tak kiralah apa-apa sayur pun kerana ia sebenarnya baik untuk kesihatan. 

Dulu kami tak berapa suka makan sayur..

Kalau mak masak sayur , kami kerap juga merungut.. terutamanya bila mak masak bening.. atau tumis air. Pasti bosan rasanya.. "macam lauk orang sakit aje.. " rungut kami setiap kali pulang sekolah di sajikan dengan sayur air...

Agar-agar Rintik Santan Pandan

Hari ni kami sediakan agar-agar sebagai pencuci mulut. Dah lama kami nak buat agar-agar ni.. tapi selalu aje terlupa. Hari ini dapatlah kami sampaikan hajat nak membuatnya.

Resepi agar-agar ini di kongsikan oleh Izah dari blog Izah Muffin Lover . Menurut Izah beliau dapat resepi ini dari buku Aneka Puding. Asalnya Agar-agar rintik santan, tapi bila dah di olah ianya menjadi agar-agar rintik pandan pula. Itulah yang buatkan kami teruja nak cuba sebab gabungan warna hitam dari gula merah dan hijau tu seakan menaikkan seri agar-agar ini.

Agar-agar ni sedap, lembut aje.. dan amat sesuailah kalau nak buat untuk rumah terbuka nanti. Cara dan kaedah membuatnya pun mudah aje.. Cuma lain kali bila kami buat untuk lapisan gula merah tu ita kena kurangkan gula merah dan tambahkan gula pasir sedikit. Sebab gula merah ni rasanya lain sikit.. kalau gula Melaka bagi kami ok lagi... gula merah ni dia ada rasa kelat-kelat sikit... Tapi terpulang pada citarasa masing-masing..

Air Asam dan Ikan Caru Bakar

Kita mulakan menu hari ini dengan ikan caru bakar yang di cicah bersama air asam yang power...

Ikan bakar ni sesekali makan dengan kuah lemak pekena pula dengan nasi hangat memang terangkat habis...

Kami sukakan kuah asam yang pedas gilerrr... barulah berpeluh-peluh makan.. tu yang syok sangat tu..

What Does Best Effort Mean In Broadband Service?

Fast Speed Internet

It never seems to end. Complaints about our broadband speed seem to be stacking up in all social media waves. Sometimes we’re surfing at top speed and other times we feel like throttling somebody’s neck when our surfing connection speed is throttled down.

Why are we having this problem? We complain to our service providers but we are still experiencing this problem from time to time. What is really going on?

Ok, remember when signing up for the broadband plan? Remember reading or coming across the words “best effort delivery”? Exactly. That’s why we’re in this scenario.

Our service providers try their best to deliver top speed as per mentioned in the package that we’ve signed up for.

However, best effort delivery of broadband service depends on factors such as modem capability, location, coverage, distance from communication towers and number of simultaneous users.

Pencuk, Jelatah, Acar timun nenas atau Acar Cuka, semuanya adalah sama....

Pencuk, Jelatah, Acar timun nenas atau acar cuka adalah nama bagi makanan yang sama. Mungkin lain daerah lain gelarannya. 

Kaedah membuat Acar cuka sangat mudah kerana ianya tidak perlu di masak. Acar cuka ni tak tahan lama, ia cepat rosak kerana timun dan nenas tu mudah berair dan membuatkan ia tidak tahan lama . Jika di buat untuk sekali makan sahaja dan bukan untuk di simpan berhari-hari di dalam peti ais.

Selain timun, nenas dan lobak, ada juga meletakkan kobos yang di hiris nipis. Tak kiralah kobis putih, atau kobis unggu.

Ada sesetengah orang menaburkan sedikit bijan yang telah di sangai atau kacang tanah yang telah di goreng dan di tumbuk.

Pencuk atau acar timun ini biasanya enak di makan bersama nasi minyak, nasi tomato, nasi bukhari, nasi beriani atau nasi-nasi yang sewaktu dengannya. lauk yang serasi bersamanya kebiasannya lauk ayam masak merah, memang sesuai sangan lah gandingan pasangan berdua ini.

'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:

6 Fakta Untuk Dapatkan Biasiswa

Perlu ke lulus dan dapat straight A?

Biasiswa dianugerahkan kepada pelajar berdasarkan merit, pencapaian akademik, bakat khas, hobi, atau kriteria-kriteria yang ditetapkan oleh organisasi yang memberi sumbangan tersebut. Ada juga biasiswa yang diberikan berdasarkan keperluan pelajar tertentu.

Biasiswa bukan sahaja membantu pelajar dari segi kewangan, tetapi juga seperti ada kebanggan tertentu sebagai penerima, apalagi jika biasiswa yang diterima terkenal susah untuk didapatkan.

Sebelum mohon biasiswa, cari tahu dulu 6 perkara berkaitan soalan dan fakta di bawah:

Smoking vs Vaping : How Much Is It Really Costing You

The recent price hike for cigarettes have caused an uproar among the smokers in Malaysia with some brands going up as high as RM18 per box. On the other hand, a recent crackdown on vape juices (e-liquids) with nicotine by the Health Ministry has also caused outrage amongst vape store owners who have had their stocks confiscated by Health Ministry officers.

It was reported that in Selangor alone, over 300 vape stores were raided in the beginning of November. Under the Poisons Act 1952, the sale of nicotine can only be undertaken by licensed pharmacists and registered medical practitioners, and is prohibited by other parties. Similarly, under the existing legislation, the sale of e-liquids with nicotine can also only be supplied by registered medical practitioners and licensed pharmacists. However, pharmacists are saying they are not keen on selling vape juices. There have also been calls for vape to be regulated as well as for it to be taxed. The government has announced that it will set up a special committee to look into vaping. It is also interesting to note that the vape industry in Malaysia is worth half a billion ringgit and is the second largest in the world after the American market.

Top 10 New Year’s Resolutions You Waste Money On

2016 is off to a great start and many resolutions have been made. Making a change in your life by setting goals is all fine and dandy; but beware the resolutions that you make – they just might wreak havoc on your personal finances.

Here’s a list of the top 10 New Year’s resolutions that can turn out to be a real waste of money – unless you do them right.

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