epalbee3,

1) I live in Klang. I do not believe the cost of living is much lower than Seremban.

<<RM2000 is not enough for car and house,>>

2) Car and house are paid off. And, usually, at retirement, the car and house had been paid off.

<<Ok, hang around with which group of people depends on which job you are in.>>

3) Who say you MUST hang around the same group of people after work??

<<however, sometimes there is no choice for that.. >>

4) You ALWAYS have a choice. Now, as too whether you exercise that choice is up to you.

Dreamer

src: RM3000 is poverty line
Now that's interesting. I thought there was a topic some time ago on an income of RM4000 or so being considered rich?

src: Star Online
That's what I meant by attracting and retaining expats and professionals. Well it's either they do something to make Iskandar really attractive, or they can forget about the whole project altogether.

can i know how gov't give the relieft on the broadband 500?
eg. i subscribe streamyx combo $60/month.
how much relief can i get? $60*12?

i think for combo, should claim 40*12=RM480

p/s: i'm also using combo

For Credit Card RM50/card
Scenario 1:
i am holding card now. expired 2010.
do i get tax?

Scenario 2:
i am holding card now. expired after 2010
do i get tax?

Scenario 3:
I get a new card in 2010 and cancel it in the same year.
Do i get tax?

---

Added on October 26, 2009, 1:32 pmwhere u got the figure of $40?

---

Added on October 26, 2009, 1:41 pmFor Insurance: gov't allowed extra 1k Relief on Annuity Premiums. what is that Annuity Premiums?

This post has been edited by truth_seeker_09: Oct 26 2009, 01:41 PM

haha, i simply guesstimate the figure RM40. since it is a "combo" package, means not all RM60 is broadband fees, some is phone fees

RM40*12 still less than RM500 mah, LOL

we got lousy pm so of cos get lousy budget, more burden for the rakyat again, the proper way of getting money should be implementing the GST instead of this easy rich scheme from service charge of credit cards

This post has been edited by DarReNz: Oct 26 2009, 04:30 PM

Basically Najis is asking us to spend wisely. I will cancel all my credit card!!!

Boost economy this way?

This post has been edited by darkknight81: Oct 26 2009, 04:39 PM

If really gov implemented GST, I forsee more people rant about it. When GST is scheduled to be implemented, you will have all range of goods/foods price increase across.
It is worst that Rm50 service charge on credit card.

I don't see the Rm50 is a really big issue to rant about, yes, it is not pleasant to pay Rm50 for the credit card, but as compared to GST, it is trivia only.

I don't see why a RM50 service charge can be an issue to be classified as a 'burden' for people.

After all, a large portion of credit card is not active one.

to be exact, it's rm50 per card per year...

assume a gentleman...with a monthly salary of rm3500...owning 3 cards for different purposes/benefits.
eg.
card 1) use to pay petrol/groceries to get points/rebates/discounts
card 2) use for autopay of his bills/insurance
card 3) emergency purpose

so...it is a burden for him to pay rm150 a year for a service tax....the amount that he never pay before....
as a rakyat, we also want to know, if let say we pay rm150 a year, where is it going to ?
For me, all taxation collected by government must be clarified to what usage they're going to use the income..
At least subsidized more merchants to use/rent cc terminals for credit card user convenience. Such as can use credit card in mamak stall or local groceries store. Give back convenience to the tax payer at least. Not just collect tax to their own pocket & masked behind "to promote prudent spending"....

budget 2010, i heard many many billion
why no my benefit?
hope can reduce petrol , toll etc...this i got benefit .
all way heard reduce less , incease more at toll , petrol...
i susgest do goverment kindergarten i can save money .
i heard KL here one children kindergarten fees rm400up!!
if three children dont need study lo....

we paid roadtax ,why need paid toll again . roadtax for what???
how many car in malaysia ?? one years how many roadtax they get??
hope list out roadtax per years , toll how much they get ?how many years we need pay!!
10 years 20 years ???.........
all list out is best lah...dont heard what benefit we can get , but nothing we get!!

Perhaps most of the money that we spent to car, house, parents and food.

You don't have car and house payment, that's y very cheap.

well, it is a choice, but let's say you spent most of the time working, then when you go back, there is less chance to make new friends.

Now city people all busy.. that's y they take friends from nearest..

By the way, I work at KL.

If GST were to be implemented, the current price now (which is including tax) must be lowered first right? So new price + GST =about the same with current price.

I do not have confident they will lower tax bracket to a reasonable amount in place of GST if it gets implemented.... heck they might not even reduce the tax bracket...

The reason is, now most people didn't notice that they are paying tax for almost everything. But when GST implemented, these people will suddenly realized how much tax the gomen take for every item they bought.

simply because of the 15% rate as attraction to welcome back those talents to work in malaysia?
malaysia neglect them in the first place which they lose hope in malaysia to pursue their career in overseas...
a smart people will generally think based from larger picture rather than just a small criteria that benefit them...
would u like to work in a country where majority of them working on a very slow pace?
if compared this country is lacking in infrastructures and facilites between those high income country...
plus high crime rate making many of us living uncomfortably in here and those corrupted politician...
and policy are subject to change from time to time due to our pm is famous to break his promise...
maybe a few years later there will be no more 15% tax rate for those who work in iskandar...

no offense but this is just my opinion
u got ketchup i also got ketchup theedgemalaysia

I don't agree on taxing people who uses credit card.
There are people who are using it for emergency.
Definitely it's not helping people who are in cc debt.

i think dis few days banks oredi headache coz of the cc thing...maybe they will hold a meeting with bnm ?? if implemented gst then we are all screwed coz we are oredi paying many taxes now...still wan to pay tax??? unless our gomen provided us a better healthcare better roads better public transportation ....but i think dis country wont change coz its the same as long time ago...

Currently, there are a handful of items/goods are not taxed, instead we are buying cheaper than its suppose to be due to subsidies, a few example would be sugar, flour etc.

Also when GST being introduced, it will prompt and give every reason for manufacturers/traders, goreceries stores etc to increase their price.

The issue will be like sugar up 10 cents per kg, and your cup of coffee also increase 10 cents <---- how oftern we heard this story then.

So it will be huge impact across, just like when petrol price being increased to Rm2.70, last time out.

At least for current situation, for those earn 2K+, you don't need to pay income tax, but if after GST being introduced time, even those earn below Rm800 (or none), also need to pay indirect tax in term of GST in every items they bought. So GST hurt more to those lower income group people.

I think GST is good as the person who buy pay the tax but it must be lower than the current service tax and provide exemption for certain type of goods and services which is deemed as neccesity and also might be charged at minimal rate.