SM Magazine October 2014 by komstudio8

OCTOBER 2014

magazine

OCTOBER 2014

OCTOBER

2014

magazine

October 2014

OCTOBER 2014

TAX

Selling Price: RM83.20

OCTOBER 2014

Your Coffee

Retail Price = RM15.90 Total Tax = RM0.90

vs.

GST Causes Price Increase? GST Causes Price Increase?

GST Causes Price Increase?

6%Service ServiceTax Tax and and No No GST 6% GST

Service Tax Abolished and 6% GST Service Tax Abolished and 6% GST

GST Causes Priceand Increase? Service Tax Abolished 6% GST

6% Service Tax and No GST

Manufacturer

Tax

Received:

RM10

Manufacturer Price: RM10RM10

RM0

(No Tax)

Received:

Tax

RM10

Manufacturer Price: RM10

Manufacturer

0.60

Tax

RM0.60 RM10 RM0.60

Received:

(No Tax)

Profit:

0.90

RM5

Coffee Shop

Profit:

RM5

vs.

RM0.90

(RM15 x 6%)

Selling Price: RM15.90

Selling Price: RM83.20

Received:

Coffee Shop Profit: RM0.90 RM5 RM5

Selling Price: RM15.90

RM50

vs.

0.60

Your Coffee

RM5

Retail Price: RM15.90 (RM15 x 6%)

Profit:

(RM10 x 6%)

TAX

Coffee Shop Manufacturer Price: RM55 RM0.60 RM0.30 RM5 RM10

RM5

(RM50 x 10%)

RM0.30

Wholesale RM

Your Coffee Retail Price = RM15.90 Total Tax = RM0.90

Retail Price = RM15.90 Total Tax = RM0.90

0.30

RM10

Your Coffee

Profit: RM

RM0.90

Selling Price: RM83.20

RM0.60

Manufacturer Price: RM10.60

Manufacturer

Coffee Shop

Tax

(RM10 x 6%) 10% Only at Manufacturer Level RM0 Manufacturer Price: RM10 RM10.60

RM0.30

(RM5 x 6%) Retail Price: RM15.90 RM

(RM5 x 6%)

5 RM10

Wholesale Price: RM65 Your Coffee

Retail PriceRetail = RM15.90 Profit: Total Tax = RM0.90RM50

RM20

Retail Price = RM15.90 Total Tax = RM0.90 RM20 RM5 RM10

Retail Price: RM85

Your T-Shirt

vs.

Retail Price = RM85.00 Total Tax = RM5

ST Causes Price Increase?

ServiceTaxTax Abolished 6% GST Service Abolished andand 6% GST

o GST

(RM15 x 6%)

Selling Price: RM15.90

vs.

Manufacturer Tax

Received:

RM0

RM10

(No Tax)

vs.

RM0.90

(RM15 x 6%)

ce = RM15.90 x = RM0.90

Tax

0.60

GST Causes Price Increase? RM

RM0.60

(RM10 x 6%)

Manufacturer Price: RM10.60

Sales Tax Abolished and 6% GST

Coffee Shop

10% Only at Manufacturer Level

Profit:

RM5

0.60

RM0.30

Manufacturer Retail Price: RM15.90

Received:

RM50

6% GST on Every Value Added Level

0.30

(RM5 x 6%) TAX

RM5

Manufacturer Price: RM55

Manufacturer

Profit:

RM10

Profit: RM20

RM50

Retail Price = RM15.90 RM10 RM5Tax Total = RM0.90

Wholesale Profit:

RM10

5 RM10

Retail Price: RM85

Wholesale Price: RM63.60

Retail Profit:

RM RM50

RM0.60 RM1.20 10 RM20

RM20 Retail Price: RM84.80

Your T-Shirt

Your T-Shirt Retail Price = RM85.00 Total Tax = RM5

vs.

RM3

(RM50 x 6%)

RM0.60 10

Wholesale Price: RM65

Retail

TAX

Manufacturer Price: RM53

(RM50 x 10%)

Your Coffee

Wholesale

Received:

Retail Price = RM84.80 Total Tax = RM4.80

RM0.60

(RM10 x 6%)

RM1.20

(RM20 x 6%)

Your C

Retail Price = RM40 Total Tax = RM0

OCTOBER 2014

GST Causes Price Increase?vs. NO GST

NO GST Manufacturer Received:

6% GST on Every Value Added Level Manufacturer Received:

Received:

Manufacturer Price: RM30 Manufacturer Price: RM30 RM30

RM30

Tax

1.80

RM1.80

Manufacturer Price: RM31.80

1.80

Profit:

Retail Price: RM40

Retail Price: RM40 RM10

RM10

Retail Price = RM40 Total Tax = RM0

6% GST on Every Value Added Level

6% GST on Every Value Added Level Manufacturer Received: RM30

Tax

1.80

RM1.80

Manufacturer Price: RM31.80

1.80

vs.

Profit:

RM10

Retail Price: RM42.40

(RM30 x 6%)

0.60

vs.

Profit:

RM10

0.60

Retail Price: RM42.40

(RM30 x 6%)

RM0.60

(RM10 x 6%)

Your Camera

ice: RM30

RM40 RM0

6% GST on Every Value Added Level

Manufacturer

Causes Price Increase?vs.

RM0.60

(RM10 x 6%)

Your Camera

Retail Price = RM42.40 Total Tax = RM2.40

OCTOBER 2014

RPGT

Budget 2013

RPGT

Budget 2014

Disposed within 2 years

15.00%

Disposed within 3 years

30.00%

Disposed within 2-5 years

10.00%

Disposed within 4 years

20.00%

Disposed after 5 years

0.00%

Disposed within 5 years

15.00%

Disposed after 5 years

Income Tax & Policy changes Personal Income Tax Rates Decreased by:

No Need Tax Filing for PCB Employees

Budget 2013 Tax relief on childrenâ&#x20AC;&#x2122;s higher education of up to RM6,000

2 extra Personal Income Tax Bands: RM100,001 - RM250,000 RM250,001 - RM400,000 Decrease in Corporate Income Tax by 1%

Budget 2013 A special tax relief of RM2,000 to taxpayers with a monthly income of up to RM8,000 received in 2013.

0% (citizens &PR) 5% (company)

Subsidy

Budget 2013

Budget 2014

Sugar

Cut by RM0.20/kg

Abolished

OCTOBER 2014

WHAT DO MALAYSIANS WANT

IN BUDGET 2015?

Everyone is gearing up for the tabling of Budget 2015! We asked the Save Money community about their wishes for the much anticipated budget announcement. Here are the top replies that we have received!

KU BAUCAR BU A 1 MALAYSI

“Higher amounts for BB1M!”

50 BUKU RMBAUCAR 1 MALAYSIA RM50

............... ..................... ..................... .................. ..................... ..................... Nama:........... ..................... genalan:...... No Kad Pen

Nama:......................................................................................... No Kad Pengenalan:..................................................................

“Free Macbooks for all citizens” John

Nazril

“All senior citizens personal tax should be exempted.. ” Linda

Free for Master’s Degree in Malaysia Khien MacBook Pro

“0% witholding tax for reit...follow Singapore”

“Please increase pelepasan cukai untuk anak. RM1000 is very little. Should be at least 3k per child.”

Rohaya

Prakash

“Cheap apartments” “Decrease governmental sector operational expenses to increase eﬃciency”

Roslyna

Vincent

Remove

GST

“Medical treatment at hospital to be free for all Malaysians”

Kok Kee

Rayner

“Allocate more funds to build shelters for animals and people in need” Diana

RM RM RM “Increase the average salary” Denise

“Stop Reducing subsidies. You don’t need more $ for birkins.” Annabelle

OCTOBER 2014

Main Features OS / CPU

iPhone 6 Ios 8 / 1.4GHz dua core Apple A8 chip

Display

4.7-inch retina display / 1334 x 750 (326 ppi)

Storage

16/64/128GB

Camera

8MP rear, 1.2MP front

Weight/Thickness Price

Main Features

HTC One M8

129 grams/6.9mm Estimated RM2,399 minimum

iPhone 6

Android 4.4/ 2.3GHz quad-core snapdragon 5-inch Super LCD3 / 1080 x 1920 (441 ppi) 16/32GB + MicroSD up to 128GB 4MP rear, 5MP front 160 grams/9.4mm RM1,735

Samsung Galaxy S5

OS / CPU

Ios 8 / 1.4GHz dua core Apple A8 chip

Android 4.4.2/ 2.5GHz quad-core snapdragon

Display

4.7-inch retina display / 1334 x 750 (326 ppi)

5.1-inch Super Amoled / 1080 x 1920 (432 ppi)

Storage

16/64/128GB

Camera

8MP rear, 1.2MP front

Weight/Thickness Price

16/32GB + MicroSD up to 128GB 16MP rear, 2MP front

129 grams/6.9mm

145 grams/8.1mm

Estimated RM2,399 minimum

RM1,750

Main Features OS / CPU

iPhone 6 Ios 8 / 1.4GHz dua core Apple A8 chip

Display

4.7-inch retina display / 1334 x 750 (326 ppi)

Storage

16/64/128GB

Camera

8MP rear, 1.2MP front

Weight/Thickness Price

Nexus 5 Android 4.4/ 2.3GHz quad-core snapdragon 4.95-inch IPS-LCD / 1080 x 1920 (445 ppi) 16/32GB 8MP rear, 1.3MP front

129 grams/6.9mm

130 grams/8.6mm

Estimated RM2,399 minimum

RM1,200 â&#x20AC;&#x201C; RM1,400

OCTOBER 2014

OCTOBER 2013

OCTOBER 2014

5 Tabiat

Haruskah Anda Mendapatkan

Kad Kredit? yang anda perlu elak

A T

Diterjemah oleh: Balkish Rosly nda teringin untuk membuat permohonan kad kredit, tapi risau akan mengalami masalah hutang Terjemahan: Nadia Asha yang banyak? Ramai menganggap bahawa berhutang Patutkah merupakan sesuatu yang tidak tetapi sebenarnya abiat lama memang sukarbaik, ditinggalkan; tapi bagaimana jika Saya ianya Mendapatkan Kad Kredit (Walaupun risiko pemilikannya tinggi?) mengorbankan isi dompet anda sedikit demi sedikit? Artikel ini merupakan atau penyebab kejatuhan seseorang. satu peringatan kepada kita semua untuk mengurangkan tabiat menelan Seperti yang yang kami katakan di atas, kad kredit bukan punca masalah anda. Dengan kos tinggi daripada gaya hidup kita, jadi teruskan membaca! sedikit disiplin, pemilikan kad kredit boleh memberi banyak manfaat kepada HUTANG YANG TIDAK TERURUS ialah punca sebenar masalah kita semua. anda. Ia boleh membantu anda mengawasi perbelanjaan bulanan, menolong anda membuat bayaran sebelum gaji masuk, memberi pelbagai ganjaran dan juga boleh menolong anda menyimpan wang jika digunakan dengan bijak.

Hutang pada asasnya adalah sesuatu yang baik jika diuruskan dengan bijak. Tapi jika kita tidak mengambil peduli tentang hal kewangan sendiri, maka kesemua hutang ini akan bertukar menjadi hutang “buruk” (dan mimpi ngeri anda!).

1. Membeli Ikut Nafsu

Jadi, baca tips-tips berikut untuk untuk mengelakkan diri anda daripada Anda suka meletakkan coklat bar yang diimport, majalah, dan pelbagai barangan yang terjebak ke dalam femonena “hutang keliling pinggang”! tidak diperlukan ke dalam troli anda? Jangan risau, anda tidak keseorangan! Secara purata, pembeli cenderung untuk berbelanja melebihi bajet runcit mereka, sebahagiannya Peringatan Sebelum Memilih Kad Kredit disebabkan oleh tabiat yang tidak disedari mengambil item tambahan tanpa berfikir panjang. Tapi, bukan semua salah anda. Strategi pemasaran yang digunakan di kedai serbaneka, pasar raya, dan pasar raya besar juga mendorong anda untuk berbelanja lebih. 1. Kad kredit bukan pendapatan tambahan anda! Jadi jangan Cara menyekat tabiat perbelanjaan anda: Hanya membawa jumlah wang tunai secukupnya apabila menambahkan harian hanya kerana anda anda pergi ke pasarkad rayakredit. dan meninggalkan kad kredit anda di rumah. mempunyai

Tips

1 2

1. Ikut bajet bulanan dan pastikan anda langsaikan hutang kad kredit setiap bulan!

anda menggunakan kad kredit untuk mendapat 2. Jika pemindahan baki 0%, pastikan anda tidak terlepas bayaran minima yang perlu dibayar sepanjang tempoh 0% itu.

3. Loteri

2. Minum Latte, Cappuccino, dan Kopi Lain Cuba untuk menggunakan kad kredit anda secara minima dan segera langsaikan bil kad kredit bulanan anda Kopi untuk “O” berharga RM1.50? mengelakkan kadar Tiada faedah berganda. masalah. Namun bagaimana pula café yang berharga RM10 secawan? Jika anda ketagih kopi dan membelinya setiap hari, anda sudah Berhati-hati RM3,640 dengan hutang bulanan kad kredit anda. Jika anda membelanjakan setahun. gagal untukpada membayar secara penuh setiap bulan, anda kena Jika anda minum hujung minggu faedah 13% p.a. – 18% p.a. sebulan! sahaja,membayar anda sudah membelanjakan RM1,040 setahun. Mahal bukan? Kami juga seorang yang ketagih café (terutamanya café kucing!), namun Elakkan lewat elok kerana ia mungkin mengakibatkan jika anda ingin pembayaran menyimpan wang, kehilang tawaran kadar faedah rendah, pembayaran denda anda tinggalkan saja tabiat ini. penalti dan/atau menjejaskan penilaian kredit dan permohonan kad kredit tabiat anda dimasa hadapan. Cara menyekat anda: Jika anda

Memiliki Kad Kredit:

• Cuba membuka akaun direct debit untuk bayaran minima setiap bulan. Dengan cara ini anda boleh mengelakkan penalti lewat bayaran / kehilang faedah pembelian 0%

Magnum 4-D,• Sports Toto anda atau membuat nombor ekor adalah hobikurang yang Pada saat bayaran lewat, “menyeronokkan”, tetapi tiket loteri merupakan faktor muflis di seluruh daripada bayaran minima atau terlupa untuk membuat dunia. ‘Sukan’ yang menguntungkan ini tidak memerlukan bantuan daripada bayaran, anda akan terus hilang bonus kadar 0% dan akan pakar-pakar pemasaran untukfaedah mempengaruhi mereka yang jenis berjudi; dikenakan kadar tertinggi untuk kad kredit ini. mereka akan tertarik dengan hadiah-hadiah menarik yang ditawarkan untuk dimenangi! Judimudah adalah 0% permainan yang melibatkan Untuk pelan pembayaran selama 12 atau 24 bulan peluang, jadi 3. yang kebarangkalian mendapat jackpot 10 juta dolar adalahbimbit, agak mustahil. selalu digunakan untuk pembelian seperti telefon

seorang ketagih kopi dan tidak boleh berfungsi tanpa menghirup secawan kopi, mengapa anda kredit tidak membeli Tidak pasti kad yang sesuai untuk anda? sahaja mesin kopi mampu milik dan Ragu-ragu tentang jenis kad kredit yang mana harus anda pilih? Cuba kuiz kad membuat secawan kopi anda sendiri? kredit kami di bawah! Kami akan melakukan sebaik mungkin untuk mencadangkan kad kredit terbaik untuk anda:

perkakas rumah, dan lain-lain, sentiasa membuat bayaran tepat tabiat anda: Adalah lebih baik membuka deposit tetap dan padaCara masamenyekat pada setiap bulan. melihat wang anda bertambah. Ya, tidak dinafikan kadang-kadang boleh wang sehinggakadar berjuta-juta daripada • JIkamendapatkan tidak, anda akan kehilangan 0% yanghasil ditawarkan itu.permainan ini. Akan tetapi lebih ramai orang akhirnya rugi daripada menjadi kaya dalam hidup mereka disebabkan pembelian loteri ini. 4. Pilih kad kredit yang boleh memberikan ganjaran kepada setiap perbelanjaan anda. • Jika anda banyak berbelanja di tempat tertentu (contoh : anda selalu melancong / anda suka tengok wayang ), carilah kad kredit yang memberikan ganjaran dan keuntungan mengikut perbelanjaan anda.

Soalan 1:

Soalan 3:

4. Bayar Lewat

Adakah anda mempunyai disiplin untuk menukar kad untuk mendapat kadar faedah 0%, selalunya setiap 3 hingga 6 bulan?

Adakah anda mampu melangsaikan hutang kad kredit sepenuhnya setiap bulan? Pergi ke Soalan 2 untuk mengetahui cara untuk mengurangkan YA kadar bayaran faedah – dan seterusnya menjimatkan wang anda! Jangan sesekali lewat membayar bil kad kredit anda kerana anda memberikan Tahniah! Oleh kerana anda mampu melangsaikan hutang kad TIDAK wang secara kredit percuma kepada setiap bulan, bank! anda tidak perlu risau dengan kadar faedah Bank sudah sedia keuntungan yangmengaut dikenakan bank. Sebaliknya, anda patut mencari kad kredit yang banyakyang daripada faedah ganjaran untuk perbelanjaan anda. bolehkadar menawarkan bagi kad kredit dan pinjaman anda,seorang jadi Misalnya, jika anda penggemar wayang, maka carilah tidak usah memberikan mereka wang kad kredit yang memberikan anda ganjaran di panggung wayang. lebih lagi! Lebih baik anda menderma ke tempat perlindungan haiwan (atau kepada kami)!

Soalan 2:

Adakah anda mampu hutang kad kredit sepenuhnya Kebanyakan syarikat kadmelangsaikan kredit, misalnya, mengenakan bayaran lewat kira-kira setiap bulan? jumlah keseluruhan anda. Jika bayaran anda lewat setahun, maka 1.5% daripada

anda terpaksaCuba membazirkan soalan 3. wang anda begitu sahaja disebabkan kelalaian anda TIDAK membayar bil lewat. Cari kad kredit yang mempunyai promosi faedah 0% dengan YA tempoh yang lama! Cara menyekat tabiat anda: Membayar bil-bil anda tepat pada masanya!

5. Merokok

Cuba soalan 4. TIDAK Harga untuk 1 pek adalah RM12, jadi jika anda membeli pekmendapatkan setiap minggu,kad andakredit yang memberi kadar Cubasatu untuk YA akan membelanjakan RM624 setahun. Dua faedah 0% paling lama. Selepas itu, tukar kad kredit anda dan pek seminggu, dan anda akan membazirkan dapatkan pindahan baki 0% (tempoh 0% selalunya 3 hingga RM1,248 setahun. Pernah dengar slogan; 6 bulan) untuk memindahkan hutang anda ke kad yang baru merokok membahayakan anda? tanpa dikenakankesihatan caj faedah langsung.

Cara menyekat tabiat anda: Fikirkan mengenai Soalan 4: perkara lain yang lebih menyeronokkan dan berfaedah Anda perlu menggunakan kad kredit namun tidak mampu membuat (contohnya seperti bercuti) anda bayaran penuh dan tidak mampu memohon kad baru setiap kali tempoh boleh menjimatkan wang dengan promosi faedah 0% tamat? RM1,248. Pilihan terbaik untuk diri anda adalah untuk memohon kad kredit dengan kadar faedah paling rendah, dan elakkan kad kredit 0% .Ini kerana setelah tempoh 0% , kadar faedah akan meningkat lebih berbanding kadar faedah paling rendah kad kredit yang tersedia.

JimatCermat.my ialah laman penjimatan kewangan di Malaysia, kami sentiasa berusaha menyelidik untuksekurang-kurangnya anda menjimatkan wang tanpa mengubah hidup anda dan berjimat JimatCermat.my merupakan laman penjimatan kewangan di Malaysia yang boleh membantu andacara-cara menjimatkan RM1,000 setahun tanpacara mengubah cara hidup anda! sekurang-kurangnya RM1,000 setahun!

OCTOBER 2014

Paris

Melbourne Japan New York

Seoul

RM2,726 RM2,038 RM1,303 RM4,842 RM1,389

OCTOBER 2014

How to Cari Makan With

RM50 A WEEK Anyone can save a little money on weekly groceries, but doing so without resulting to cream crackers for dinner can be a challenge - or is it? Read on to find out how you can stop overspending at the supermarket! Cutting down on food expenditure is more than necessary to survive living in the big city. Hence, the important question here is, is it possible to buy groceries with RM50 (or less) per week? This may sound like a radical idea, but definitely not impossible. To arrive at an answer, I've went through (thankfully, survived it too!) one week of living with nothing more but RM50 in my pocket to fulfill my most fundamental need - to put some yummy in my tummy!

MY SUPERMARKET EXPERIENCE SUPERM

ARKET

Embrace the Sales Flyers I started the week by going grocery shopping at the nearest supermarket. Immediately I noticed that the supermarket's sales flyer was available for free at the entrance.

Looking over all the sales and clearance items, I thought to myself, “Instead of thinking about what I'm in the mood for, I should instead think about the delicious and healthy meals I can cook up with what's on sale for the week!"

That's just below RM50, with a good mix of branded and generic products, along with fresh poultry and leafy greens. I can have bread and apples for breakfast, oatmeal to keep pangs of hunger at bay throughout the day, and dinner consisting of stir-fried chicken, boiled eggs, kang-kung, and steamed rice. - Miraculously, I managed to still have some leftovers after that week!

Plan Your Meals Beforehand To avoid overspending on unnecessary items that will only stuff up your fridge, it is also important to plan your meals ahead of time before shopping.

Alternatively, you can visit their website to check out ongoing sales and promotions.– always think about the well-being of your wallet, and of your body.

HOM

BRAN E D

Choose Home Brand Items Buying the store's home brand is also a good strategy for extra savings - why spend on expensive imported cereal or dish detergent when the cheaper generic home brand is just as good?

Items

At the end of th e day, after careful co nsideration, my basket cons isted of :-

Pay on Credit If you've got access to credit, and are confident that you can make your full monthly payments promptly, go ahead and pay for your groceries with a credit card.

Price (RM)

200g of oatmeal RM3.99 Loaf of bread RM4.90 Packet of rice RM7.90 Packed chicken brea st RM6.55 Kang-kung RM1.50 1 carton of eggs RM4.29 500g red onions RM4.99 250g garlic RM4.99 Soya sauce RM4.95 750g salt RM3.40 Packet of red apples RM10.00

TOTAL

And a meal plan was exactly what I came up with – you thought I picked all these items at random? Oh please! It is easy to get into the habit. If you think a pen and paper is too old-fashioned, you can use mobile apps such as Out of Milk and Evernote Food to keep grocery lists, recipes, and keep track of your spending.

Some credit cards offer higher cashback specifically for groceries, or purchases on the weekend - a perfect match if you're one to make it a ritual to go grocery shopping on days off! Finally, there are also co-brand credit cards that offer exclusive cash rebates and reward points whenever you spend at certain big name outlets such as the New AEON Visa Classic, or the Tesco-RHB Visa.

RM48.46

Credit Cards + Personal Loans + Home Loans + Car Loans + Insurance + Internet. This was brought you by Chester John from RinggitPlus.com. RinggitPlus compares credit cards, personal loans and home loans to help Malaysians get more for their money. Disclaimer: This article is for information only. Nothing in this article is an endorsement, recommendation or suggestion of any banking, monetary or financial institution, product, service or security, in any form whatsoever. It is not, and shall not be construed as, an offer (that is capable of being accepted) of any credit card, or a solicitation or invitation to purchase or otherwise deal with any credit card issuer. The reader must obtain independent and appropriate financial, legal and other advice before dealing with any credit card issuer. This article does not constitute financial, legal or other advice. The views expressed are the writer's own, and do not reflect or incorporate the views of any entity within the Ascension Lab or Saving Experts Sdn. Bhd entities. Nothing in this article binds or incorporates the views of any Entity, or creates legal relationships between the reader and any Entity.

OCTOBER 2014