Masakan Tradisional Indonesia

1 month Fix Deposit Generally now banks are offering 2.50%. Affin bank offers highest rate at 2.55%. However, there are still a few banks offer lower rate than 2.5%. JP Morgan is still offering the lowest at 2.0% 1 year Fix Deposit Highest offered rates is 3.05% by Affin Bank; followed by 3.0% from AmBank, Bank of Tokyo-Mitsubishi UFJ and RHB Bank. Base Lending Rate Most local banks stand at 6.05% now with JP Morgan offers the lowest at 5.65%. Saving Accounts Bank Islam offers 1.35% through its Mudharabah and Pewani ( for women above 18 years old ). Women can enjoy up to 1.58% in Pewani saving account if saving is more than RM 5,000. CIMB's Air Asia Savers Account offers 1.2%. Don't forget you can get a simple widget like above to show on your blog / web site. Just visit here to see how. Car Loan : NEW Car Maybank continues to offer the lowest car loan rate starting from 2.7%. However, this is NOT a standard rate apply to all applicants. The actual rate can range up to 4.3...

Below shows an extraction from Malaysia Income Tax department. Some of the highlights are; maternity expenses, traditional medicines exemption are UNLIMITED ! if you were terminated with compensation, some are exempted ! Scholarship is exempted, so study Hard ! Income derived and remitted from oversea is exempted, so globalize your business ! Do take time and go through below details, I am sure it will spark some innovative ideas if you are in the midst of optimizing your tax plans. source Leave passage Leave passage within Malaysia not exceeding three times in a year and one leave passage outside Malaysia not exceeding RM3000. Medical and dental benefit With effect from the year of assessment 2008, medical benefits exempted from tax is expanded to include maternity expenses and traditional medicine like ayurvedic and acupuncture without limit. Retirement gratuity The full amount of gratuity received by an employee on retirement from employment is exempt if: i. The Director General ...

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...

It has already been shown that it is not that hard to retire young . If the person you marry is also adopting similar lifestyle then it is also easy for both of you to retire young together. But what if you have people who are financially depending on you ? How would you achieve financial freedom with dependents ? Before I go on, I have to apologize first I don't have an easy to follow solution for this; not like Wealth Pyramid or Personal Finance in 1 picture . Because the answer was already given before this question is asked. And the ability to achieve financial freedom with dependents is really within you yourself as a person, not really a finance issue to start with. Give me a chance to explain ... because most people will not like this. Through out the whole personal finance concept promoted in MalPF, it has never questioned you how you spent your money. As a matter of fact, the very first thing is to put aside some money systematically and then its up to you what you...

Malaysia is aiming to increase its average salary from $2,000 to $4,000 in the next 10 years. How can that be done ? First of all, using rule of 72 you can estimate that doubling in 10 years would mean a continuous compound raise of 7% annually. Or a total of 72% increment within that 10 years. For example, it doesn't matter if the increment is from 2.72% to 11.72% adding 1% annually OR it went from 11.72% to 2.72%, either way will result a $4,000 monthly salary in 2010. While it may sound tough to double a person's salary in 10 years but there are a number of ways this can be achieved rather easily country wide; 1. Increase Inflation By decreasing supply on purpose, prices increase. Where does the extra money go to ? It goes to people who produce the supply. It may sound weird but when done properly, all the extra money collected from the consumers will be passed down to the workers themselves. This way, although items price increase, your salary increase as well. N...

In 2009, Dung, Mat and Ahmad's personal inflation rates are 4%, 24% and 2.5% respectively representing the Rich, the Average and the Poor. Unfortunately this year we can't do a 1 to 1 comparison because Dung's business has expanded into main land China and his life style has drastically changed. Mat lost his job and now float between temporary freelance works. Ahmad on the other hand has ventured into politics and sort of get himself 'upgraded' into the Average arena. Unfortunately, none of their personal inflation rate can be used to represent our 'typical' experiences. All of them are going through a 'transition' in life rather than reflecting the general senses of inflation. But perhaps you are experiencing a transition in life too ? When one is calculating his own personal inflation rate, it is important to differentiate value and cost . For example, a plate of used to be $1 fried mee is now $1.50; that would be a 50% increase as in it ...

1 month Fix Deposit Most banks offer 2.25% now except a few ones. Most of the ones who are still stuck at 2.0% are international banks like Bank of China, JP Morgan, Bank of Nova Scotia and Alliance banks. 1 year Fix Deposit Highest offered rates is 2.75% by Affin Bank, AmBank, Bangkok Bank, Bank of Tokyo-Mitsubishi UFJ, Deutsche Bank, Hong Leong Bank, Malayan Bank. Base Lending Rate Most local banks stand at 5.8% now with Affin offers the lowest at 5.75%. International banks offer lower rate starting from 5.50% by Royal Bank of Scotland. Saving Accounts Kuwait Finance House continues to offer highest saving interest rate in its KFH Savings Account-i at 1.5%. This account is also very simple and straight forward. Other than that, Standard Chartered's Al-Wadiah Savings Account-i offer 1.0% for up to RM 10,000 savings. CIMB's Air Asia Savers Account and Mudharabah Saving Account-i also offers 1.0%. Other accounts who seems like offering high interest rate but require high am...