最近闹得热腾腾的就是 EPF 的 employee contrilbution %
其实到底有多少差别 我们一起来看看
ok 我们就以monthly salary MYR5,000 来做sample
然后我们来看pelepasan cukai individu (看taksiran 2015)
这些就是可以deduct 的
我们就放些数目

1. tanggungan individu MYR 9,000 (max)
2. pemeriksaan perubatan penuh MYR 500 (max)
3. pembelian buku MYR1,000 (max)
4. broadband MYR 500 (max)
5. insurance pendidikan & medical MYR 3,000 (max)

PS: medical insurance 你们就自己算算. example 放max MYR 3K.

重点来了 pelepasan cukai for insurance nyawa & EPF 最高 6k. 

看清楚 是 “寿命保险 和 EPF”

我们就当我们没买 寿命保险 好了

CALCULATION:
MYR 5,000, 一年 MYR 60,000

如果EPF 11%,

 一个月 MYR 550, 一年MYR6,600
如果EPF 11%, 一个月 MYR 550, 一年MYR6,600， 所以deduct MYR 6,000(max)


TAXABLE INCOME = MYR 40,000



TAX RATE?



TAX PAYABLE?




如果EPF 8%,
一个月 MYR 400, 一年 MYR4,800

如果EPF 8%,一个月 MYR 400, 一年 MYR4,800, 所以deduct MYR 4,800

TAXABLE INCOME = MYR 41,200



TAX RATE?



TAX PAYABLE?




总体差别
11% - MYR 1,405
8% - MYR 1,417

差别 MYR 12

PS: 就只是EXAMPLE. 如果收入刚好因为 EPF 让你跌进新的 TAXABLE INCOME BRACKET，你的TAX RATE 就会更高了
祝你好运

One take okay.

就别嫌弃了贝 科科

Chords : F G7 C7 Dm G Bb C Am 

好好听的一首歌

就学起来la

觉得歌词很好

就好像妈妈问你长大后会不会养她

She asked me, "Son, when I grow old,
Will you buy me a house of gold?
And when your father turns to stone,
Will you take care of me?"

She asked me, "Son, when I grow old,
Will you buy me a house of gold?
And when your father turns to stone,
Will you take care of me?"

I will make you queen of everything you see,
I'll put you on the map,
I'll cure you of disease.

Let's say we up and left this town,
And turned our future upside down.
We'll make pretend that you and me,
Lived ever after happily.

She asked me, "Son, when I grow old,
Will you buy me a house of gold?
And when your father turns to stone,
Will you take care of me?"

I will make you queen of everything you see,
I'll put you on the map,
I'll cure you of disease.

And since we know that dreams are dead,
And life turns plans up on their head,
I will plan to be a bum,
So I just might become someone.

She asked me, "Son, when I grow old,
Will you buy me a house of gold?
And when your father turns to stone,
Will you take care of me?"

I will make you queen of everything you see,
I'll put you on the map,

科科 :P

最近jin jia bo eng

又玩乌克丽丽 又要看些info和书本（自己set的狗屁目标 说什么要增强自己的常识和知识）

乌克丽丽不简单呀 

之前就是因为被吉他"铁线"割到手指流血 然后彻底放弃 才选择乌克丽丽 mana tau.......

玩乌克丽丽玩到我的“芊芊细指”都花掉了 

最近疯狂的学着怎么自己strum *陷入疯狂状态*

现在应该算有那么一点点滴小成就 所以来 SHOW OFF 一下。呵呵

Tips:

1) They only allow check in after 2pm

     - We reached there early and have to hang around at the waterfall there. But it was a bit crowded so we were just walk around 

2) Pls bring more food

     - If you are not planning to have jungle trekking or watsoever activities there, the only thing u can do is -  > EAT. hahahhaha! So pls prepare more food. 

     - Lesson learnt this trip: Do not buy food after you makan. We were so full that time and we only buy some marinated meat from Aeon. very very TAK CUKUP! and we didnt prepare snacks! Oh M-Gee. So sad you know.

3) There are helpers that help you set up the BBQ fire.

4) No PHONE SIGNAL there. LANGSUNG TAK ADA. :P 

5) Bring speaker there if you planning to watch some drama with your friends

     - Our glasshouse was just beside the river, so it was noisy the whole day long. When we on the laptop to watch some drama, we cant hear it clearly T_T what a waste

Anyway, a nice short getaway la. no phone calls no msg so FB etc. (I think thats wat a lot of us need right? tak ada people kacau kacau, especially for work :S )