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When to go beyond "Salary" ?

When your personal income increases, you start to pay more taxes too. It was mentioned before there are certain income Stepping that one should watch out for to optimize tax planning . For example, as your total annual income is approaching MYR 100,000 in Malaysia, you are most likely to be paying maximum taxes like a company's ie. 27%. So you pay about MYR 15,000 taxes so your net income become MYR 85,000 ( exclude other deductions for the purpose of this article ). Then you will proceed paying your due diligences like house loan, car loan and all your other expenses etc. Lets say those total up to MYR 73,000 so you would have a remaining income of MYR 12,000; Or MYR 1,000 a month. As mentioned before, if the taxation laid upon a business is similar ie. 27%, then perhaps you can create a business of your own. Then sell yourself back to your current employer doing exactly the same stuff so that it has no impact what so ever to your employer's operation (*1). As a busines
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Cara Membuat Salad Buah Segar Yang Enak dan Praktis

Cara Membuat Salad Buah - Assalamualaikum Bu Ibu, yang seger-seger numpang lewat ya. Hayoo siapa sih yang bisa menolak kelezatan dari salad buah ini? Terbuat dari buah-buahan segar seperti strawberry, kiwi, melon, kelengkeng, naga merah, semangka dan pepaya yang dipadu dengan dressing yang creamy pasti mantul banget kan. Apa lagi jika dinikmati selagi dingin, endeus! Cara membuat salad buah yang enak dan segar tentu saja cukup mudah. Bahan-bahan yang digunakan juga terjangkau dan mudah ditemui dimana-mana. Selain buah yang sudah saya sebutkan di atas, Anda juga bisa menggunakan buah lainnya sesuai selera. Namun untuk saus atau cream yang akan menemani potongan buah tersebut harus tepat. Tidak boleh terlalu asam, terlalu manis dan juga jangan terlalu gurih. Pokoknya harus pas manis asam dan gurihnya, agar salad buat yang Anda buat enak dan tidak bikin eneg saat dimakan.  Tips sukses membuat saus salad buah yang segar dan tidak eneg adalah gunakan yoghurt plain. Kenapa? Kare
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Interview : FatherSez - fathersez.com

FatherSez  is one of the pioneers in Malaysia Personal Finance blogsphere.  He started his first blog post on 8 September 2007, one year earlier than this blog.  He has always been one of the great minds I wanted to meet in person one day.  But little did I know back then, opportunity fade away sooner than I thought.  FatherSez passed away on 4 August 2009. Although we never met and now lost the chance to ever meet again, we never feel far apart.  During earlier years even after 100 posts, I was still a skeptic about blogging.  It was actually FatherSez who found my sharing useful and kept me going. Even years after his departure, I never forget every single word we transact online; through our virtual identities.  But he was busy with his venture and I was busy with my entrepreneurship back then as well.  We never met in person although both of us wanted to.  Well, at least I wanted to ( Fathersez received too many requests to meet that he couldn't accommodate to all . . . ) Fathe
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