RM5 Bln Sukuk Simpanan Rakyat 2009 Fully Subscribed

KUALA LUMPUR, April 28 (Bernama) - The RM5 billion Sukuk Simpanan Rakyat 2009 has been fully subscribed after nine days of sale, the Finance Ministry announced today.

Agent banks will no longer accept new applications with immediate effect, said the ministry in a statement.

The ministry said the initial amount of RM2.5 billion for the sukuk was upsized by using the allocation of the second series.

Thus, the entire allocation of RM5 billion is fully allotted to successful applicants and hence there will be no more issuance of the second series, it said.

The three-year Sukuk Simpanan Rakyat 2009 allocation was based on a first-come, first-served basis.

The sukuk, which is scripless, will be issued on May 14, 2009.

Successful applicants will be notified by their agent banks, the ministry said, adding that the successful applicants will be issued an initial statement on the amount allotted beginning May 19, 2009.

Those who need further information on the sukuk can contact Bank Negara Malaysia TeleLink at 1300-88-5465 or by visiting the www.treasury.gov.my or www.bnm.gov.my/sukuksimpanan websites.

-- BERNAMA

All 980 Mln ASW 2020 Units For Non Bumiputeras Taken

JOHOR BAHRU, April 27 (Bernama) -- All the 980 million Amanah Saham Wawasan 2020 (ASW 2020) units for non Bumiputeras, from the total 2.0 billion units allocated under the fund, were fully taken up by 11.50 this morning.

The sales of the ASW 2020 units began at 8.00 am today at the Amanah Saham Nasional Bhd (ASNB) offices and Pos Malaysia offices nationwide, and at 9.15 am at ASNB agents namely Maybank, CIMB Bank and RHB Bank.

The latest ASW 2020 offer was based on a quota of 51 percent for Bumiputeras and 49 percent for non Bumiputeras.

"The response this time around was even better," the President and Group Chief Executive of Permodalan Nasional Bhd (PNB), Tan Sri Hamad Kama Piah Che Othman, told reporters after the closing ceremony for the Minggu Saham Amanah Malaysia (MSAM) 2009 investment week here today.

Interested subscribers for the ASW 2020 were seen lining up at the main ASNB counter in Jalan Tun Razak in Kuala Lumpur as early as 4.00 am today in order not to miss the chance of subscribing to the unit trust fund.

It was the same scenario at ASNB's office in Kuching, Sarawak and the venue of the MSAM investment week here where potential investors lined up to buy the shares.

On the possibility of PNB increasing the size of ASW 2020, Hamad Kama Piah said: "For now, we will see first. We need to focus on ensuring that each investment brings in good returns. That is the reason why we want to balance up our portfolio and ensure the optimisation of the portfolios."

ASW 2020 is a fixed-price unit trust fund opened to all Malaysians aged six months and above.

It was first launched in August 1996 with a fund size of 3.0 billion units. Its current size stands at 12.42 billion units.

Meanwhile, PNB Chairman Tun Ahmad Sarji Abdul Hamid in his speech said that as at March 31, 87 percent of PNB unit trust fund holders held less than 10,000 units in their trust funds.

The average investment of each investor currently is at 9,338 units, he said.

"PNB will continue to work towards increasing the investment of each of its unit trust fund participant, and the average being aimed at is 15,000 share units for each shareholder, which is a realistic target," he said.

As for the MSAM 2009 event here, a total of 156,000 visitors have been estimated to have attended the week-long event which was officiated by Prime Minister Datuk Seri Najib Tun Razak on April 20.

-- BERNAMA

Nokia shows off Aeon 'wearable' concept phone

Nokia has unveiled its latest concept phone, designed to highlight the company's focus on products that allow users to more readily stamp their personality on their gadgets.




The concept phone, dubbed Aeon, combines two touch-sensitive panels mounted on a fuel-cell power pack. The handset's connectivity and electronics are built into the panels to allow them to be used independendently. When assembled, one panel would operate as the display, the other as the keypad. Since the buttons are entirely virtual, Aeon can flip instantly between a numeric pad for dialling, a text-entry pad for messaging, or a media-player controller.




It's a cute idea and one that ties in with Nokia's expectation that phones will become essentially "wearable" devices - if foresees users removing one of Aeon's display panels and mounting it on a watch-like strap or worn as a badge.



More than a phone, Aeon might tap into local wireless networks to transmit data acquired from sensors such as devices that monitor the user's health signs - which is the kind of application the company has in mind for its Wibree personal-area network technology. ®

AEON 25th anniversary discount

AEON Reduces Prices On Over 2,500 Items

KLANG, April 24 (Bernama) -- AEON Co (M) Bhd's "New Jusco Price Cuts" campaign, which was launched on Apr 17, will offer discounts of up to 20 percent on more than 2,500 items.

Its managing director, Nagahisa Oyama, said the promotion, held in conjunction with its 25th anniversary celebrations, would continue until year-end.

He said the products offered included home essentials, basic necessities, food, fashion and personal care.

"We are committed to provide the best value by offering affordable high quality goods to customers," Oyama told a media briefing after the launch of campaign at AEON Bukit Tinggi here today by its chairman, Datuk Abdullah Mohd Yusof.

Oyama said AEON would also hold other promotions like the "Super Savers", where selected essential items would be retailed at low prices.

M'sians Respond Overwhelmingly To ASM Units Sale

JOHOR BAHARU, April 22 (Bernama) -- The additional 3.33 billion Amanah Saham Malaysia (ASM) units offer received overwhelming response from Malaysians of all walks of life, says Permodalan Nasional Bhd (PNB), Malaysia's biggest fund manager.

PNB president and chief executive officer Tan Sri Hamad Kama Piah Che Othman said as at 12.17pm today, all the 999 million units allotted to the Chinese were snapped up while the Indians bought 53.5 million units or 10.71 per cent of the 499.5 million units set aside for them.

The Bumiputeras bought 7.65 million units, he said in a statement.

"As there are 446 million units yet to be bought by the Indians, I urge them to seize the opportunity to buy the units specially allocated for them.

"Similarly, I hope Bumiputeras and other Malaysians will also not allow the available investment opportunity to slip away," he said.

Hamad Kama Piah said Malaysians who missed the chance to invest in ASM would have another investment opportunity when two billion additional units of Amanah Saham Wawasan 2020 (ASW 2020) are on sale from Monday.

Fifty-one per cent of the units have been allocated for Bumiputeras and 49 per cent for non-Bumiputeras, he said.

Investment is limited to 20,000 units per account holder, he said, adding the limitation is to allow as many Malaysians to invest in ASM and ASW 2020.

Prime Minister and Finance Minister Datuk Seri Najib Tun Razak announced the unit sale on Monday.

Of the 3.33 billion ASM units offered, 1.665 billion units were offered to Bumiputeraa, 999 million units to the Chinese, 499.5 million units for Indians and the balance of 166.5 million units for other Malaysians.

仅数地反应佳 ASM未掀热潮

（吉隆坡21日讯）今日开始发售的额外33亿3000万单位大马信托基金（ASM），未如预期般掀起抢购热潮，全国各地只有少数地区反应热烈。


《南洋商报》今日配合该额外基金单位首日发售，在全国各地展开抽样调查，发现只有雪隆、怡保和关丹的反应较佳，其他地区的反应则不太理想。

以往国民投资机构（PNB）发售基金，各地市民一大清早甚至漏夜大排长龙争相抢购的热潮已不复见，除了怡保和关丹，公众在银行和邮政局抢号码、抢表格的轰动景象已不复返。

但一般预料，这项基金的购兴会逐日升温。

受询的公众普遍认为，这可能是和当前经济不景，人民较谨慎消费和投资，以及还有许多人不知晓这项额外基金单位即日起面市有关。

在新山，到邮政局、各大银行及国民信托公司购买此信托基金的民众并不多，反应冷清。此外，国民信托公司发言人莱莉说，截至中午，约有20名投资者前往该公司购买大马信托基金，反应一般。

在芙蓉、北海和马六甲，该基金的额外单位同样没有掀起抢购热潮，与以往人潮络绎不绝的情景成强烈对比！

怡保反应佳

霹雳州方面，该额外基金吸引怡保不少市民排队认购，反应不俗，惟州内其他城镇反应较冷淡。

一些市民也备好钱，准备在下星期一再认购将发售20亿个单位的宏愿信托基金。

在关丹，该额外单位同样引起热烈回响。

关丹土著联昌银行网路出现问题，造成清早到现场排队的民众微言不少，有者立即火速赶到邻近的银行登记认购。

Satyam: No layoffs now, salary cuts possible

Tech Mahindra chairman Anand Mahindra on Monday ruled out immediate job losses among the 45,000-odd Satyam employees but added that an integration team “is already in place in Hyderabad to decide on the staff strength” for the acquired company. Speaking at a press conference after the first detailed meeting with the staff of the company taken over by Tech Mahindra last week, he said, “Our immediate plan would be to retain current customers, win back businesses and retain the key 100 associates.”



The plans also include finding a CFO for Satyam, said Vineet Nayyar, CEO of Tech Mahindra. “We are on the lookout for a CFO, who would be decided in the next few weeks.” One of the first tasks of the new incumbent could be asking for a salary cut of at least 10% across all categories, a source close to the company said.



Chairman of the government-appointed board, Kiran Karnik, said, “One cannot say anything on layoffs now. A list of key 100 employees, which was drawn by AS Murthy, and who were responsible to get businesses even during the crucial period after Raju’s disclosure, has been given to Tech Mahindra and (they) have been asked to retain them for an year.”

PNB to offer additional 5bil units for ASM and ASW2020

JOHOR BARU: Permodalan Nasional Berhad (PNB) will offer an additional 3.33 billion units of Amanah Saham Malaysia from Tuesday and two billion units of Amanah Saham Wawasan 2020 from April 27, said Prime Minister Datuk Seri Najib Tun Razak.

The maximum allowed per investor is 20,000 units, he said in his speech at the launch of the Amanah Saham Malaysia Week on Monday.

Despite the current global uncertainties, the new inflow of money into unit trusts has been healthy, with RM5bil being invested in PNB-related funds so far, Najib added.

Last year, a total of RM10bil was invested.

He said PNB had a total of 9.3 million unit holders, with a total investment of RM87bil.

Najib advised young investors not to be influenced into investing in schemes that were not recognised. He cited how American millionaire Bernard Madoff conned the wealthy and educated through his pyramid scheme that promised huge returns in a short period.

Meanwhile, PNB chairman Tun Ahmad Sarji Abdul Hamid said the company has invested in 281 companies, of which 230 were listed on Bursa Malaysia in various sectors.

During the hard times 3/3

During the hard times 2/3

During the hard times 1/3

Savings bond increased by another RM2.5bil

KUALA LUMPUR: The Finance Ministry has increased the amount of Sukuk Simpanan Rakyat because of the overwhelming public response.

The ministry added another RM2.5bil to the savings bond using the allocation of the second batch.

The first batch of the RM2.5bil Islamic bond was fully subscribed two days after it was opened for sale on Tuesday.

The bond is part of the Government’s RM60bil stimulus package providing a return of 5% per year, double the current fixed deposit rates. It is opened for Malaysians aged 21 and above.

The bonds – with a minimum allocation of RM1,000 and maximum RM50,000 – has a maturity period of three years but account holders can withdraw their money at any time.

Applications can be made at any commercial banks in the country, on a first-come-first-served basis, until May 13.

For details, call Bank Negara at 1300-88-5465 or visit www.treasury.gov.my and www.bnm.gov.my/sukuksimpanan.

斬首原來不會立即斷氣.

劊子手在執行斬首時使用的是快速動作。所謂「鋼刀一揮，人頭落地」，時間極其短暫。從刀鋒接觸皮肉到脖頸被砍斷，大約不過十分之一秒。那麼，在頭與身體分離的一剎那間，人的神經系統的感覺怎樣，活著的人無法取得這樣的親身體驗，只能憑想像來推測了。古代野史筆記中記述了不少這方面的傳聞，有些小說也寫到這方面的情節。

聊齋誌異》卷二有〈快刀〉一篇，寫明代末年，山東章丘盜賊作亂，被官軍捕獲十多人，押赴巿曹斬首。其中一個士兵佩帶的一把刀非常鋒利，盜賊中有一個人認識這個士兵，就對他說：「聽說你的刀最快，斬首時決不曾割第二次，請你用這把刀殺我。」士兵同意了。等到行刑時，士兵一刀下去，那盜賊的人頭滾出數步之外，在地上轉動未定時，口中稱讚說：「好快刀！」
2.這是小說家言，真實性令人懷疑。但是，史籍中可以找到相似的事例。南明永曆朝著名抗凊英雄瞿式耜兵敗被清軍俘獲，慷慨就義。家屬收屍，把他的頭裝在一個木匣子裏，他的眼睛在睜著。家裏的人對著他的頭說：「公子平安無恙，你可以閉眼了。」他仍然不閉眼，又說：「焦侯（即焦璉，被封新興侯）也平安無恙。」這時，他的眼皮才合攏。人們都說：「這是瞿公的精靈未泯，死後還在惦記著朝廷的大事。」但是，瞿式耜的腦子是怎麼想的，可惜無法證實。和瞿式耜同時的楊廷樞，本是復社名人，明亡後匿跡深山，被清兵捕獲，受盡酷刑，一直罵不絕口，曾撕下衣襟，用自己的血寫絕命詞十二首，表達志向，以文天祥自勉。臨刑時慷慨不屈，仰天長嘯，連呼「大明」，頭已落地，他口中又喊出一個「大」字，清晰可聞。蒲松齡寫〈快刀〉，或許就是以瞿式耜、楊廷樞的傳說為依據的

3.近代學者林紓（琴南）曾和他的好友王子仁在一起探討過人被斬首後的短暫瞬間有無知覺的問題。林紓認為，人被殺，督脈則斷，必然一無所知。王子仁不以為然，說法國有兩個醫生研究過這種現象，認為人的頸部總筋雖然斷了，但腦氣還沒有立即消亡，可能會有微弱的知覺。不久，其中一個醫生犯了死罪，應當斬首，他的朋友對他說：「你的頭落地後，我捧著你的臉叫你的名字，你若有知覺，就睜開眼看看我。」這醫生同意了。到受刑後，朋友這樣做了，死者的頭顱果然睜眼看他一下，隨即閉上，再喊第二聲時，眼皮卻不再睜開。

有的書中說，人被斬首後，不僅瞬間尚有知覺，而且身體還能做出一些動作。唐代劍南節度使花敬定（即杜甫寫〈贈花卿〉詩的那位花卿），一次作戰時與敵兵相遇，被敵將削去了腦袋，他的身體仍然持槍騎馬，奔馳到一個小鎮上，下馬到溪邊洗手。這時有一個浣紗少女看見了他，說：「你的頭都沒有了，還洗手幹什麼？」這位花將軍才頹然倒下。漢代豫章太守賈雍有一次交戰中失去了頭，身體騎馬回營，胸中發出聲音對眾將說：「我作戰失利，被賊傷害，你們說是有頭好昵，還是無頭好呢？」眾將哭著說：「還是有頭好啊！」賈雍說：「不然！無頭不也好嗎？」說罷，屍體墮馬而死。清初，有一位滿族勇將在關外作戰時，某夜晚遭敵兵劫營，黑暗中他的頭被一刀砍斷，但沒有落下來，他急忙用右手按著頭，左手揮刀殺死數名敵兵才倒地死去

Ghost capture in video camera at grave

Notice the girl that walk across the grave. If still not believe, watch the movie below:

今非昔比‏ 2/2

今非昔比‏ 1/2

Water supply disruption in KL and Selangor from Wednesday to Friday

KUALA LUMPUR: Several areas in the Federal capital and Selangor will experience water supply disruption from Wednesday to Friday when Syarikat Bekalan Air Selangor Sdn Bhd (Syabas) conducts maintenance and upgrading work.

Gombak will experience water supply disruption on Wednesday from 8pm until 4am the next day.

The areas in Kuala Lumpur which will be affected are Taman Keramat Permai (AU1), Taman Keramat AU2 up to Taman Keramat AU5, Jalan Enggang Flats, Jalan Enggang Timur, Jalan Enggang, Keramat Wangsa, Kelompok and Menara PKNS, Ukay Perdana, Pudu Ulu and Kampung Kemensah.

Other affected areas are Jalan Semarak, Jalan Kent, Jalan Gurney, the Defence Ministry, the Police Training Centre, Wisma Tanah Jupem, Felda, Universiti Teknologi Malaysia, the Telecoms Training Centre, Jalan Ampang Hilir, Jalan UThant, Taman Pandan Jaya, Taman Chempaka, Taman Bakti, Taman Nirwana, Taman Putra Sulaiman, Taman Cahaya, Taman Pandan Cahaya, Taman Dagang, Taman Shamelin, Taman Tenaga and Taman Miharja.

Taman Kobena, Bandar Tasik Permaisuri, Desa Pandan, Taman Cheras Utama, Taman Pandan Perdana, Taman Kenchana, Taman Pandan Indah, Taman Pandan Komersil, Pandan Utama and Pandan Mewah will also be affected.

Petaling areas that will be affected from 9am to 9pm on Wednesday are Lestari Perdana, Lestari Puchong, Taman Desamanium, Kota Perdana, Bandar Putra Permai, Taman Pinggiran Putra and Bandar Bukit Jalil.

Other areas are Saujana Puchong, Bandar Puncak Jalil, Lestari Putra, Prima Tropika, Selangor Wholesale Market and Seri Kembangan.

In Klang and Shah Alam, the disruption from 8pm on Thursday until 8am the next day will hit Section 15, 16, 17, 18, 19, 20 and 25 (Taman Sri Muda), Sungai Rasah, Jalan Mohd Sidin Bukit Kuda, Kampung Kuantan and Taman Rushna, Padang Jawa, Jalan Kampung Jawa Batu 2 to Batu 4 1/2 including Kampung Sungai Kandis, Telok Menegon, Taman Sri Menegon, Menegon Indah, Desa Latania and Taman Maznah.

The water supply disruption from 8pm on Friday to 6am on Saturday will affect areas like the PKNS Apartments, Kampung Kerinchi, PJ Section 510, Jalan Gasing, PJ State, Petaling Heights, Vista Angkasa, Bukit Angkasa, Panorama Condominium, PJ Section 16, 17 and 19, Universiti Malaya Medical Centre and International Islamic University in Jalan Universiti.

Also affected will be the Syabas headquarters in Jalan Pantai Baru, MidValley, The Garden, Cititel, Wisma Goshen and Plaza Pantai, Telekom Tower, TM Annexe, Plaza Cygal, Pantai Hospital, Pantai Hill Park and Universiti Malaya staff quarters.

Syabas apologises for the inconvenience and advises consumers to store enough water for use during the supply disruption.

For enquiries, please call the Customer Service Centre (Puspel) at 1-800-88-5252, SMS by typing Puspel space, then type complaint or query and send to 39222, or visit www.syabas.com.my. — Bernama

Satyam top brass agree to forgo salary revisions in FY 09

HYDERABAD: In a show of solidarity towards Satyam Computer Services in the current crisis, top level executives of the company have decided to
forego a salary revision for FY 2008-09.

The move by senior leaders in Satyam’s I-2 band and Band I-alpha comes on the back of strained finances and outstanding loans with banks.

The beleaguered firm has 46,600 employees on its rolls currently. Although quite a few employees working onsite on various projects were called back, the company still expends Rs 500 crore every month on paying employees’ salaries. The total variable pay outflow is about 7 per cent of Satyam's wage bill.

While in absolute amount terms the refusal of a hike may not be a very significant part of the total compensation and benefits of the organization, senior level employees reckon that the amount could be used to meet outstanding commitments in this last quarter, said an internal communication to senior associates

Satyam, once the fourth largest IT services provider in the country, saw around 6,400 odd employees exit the firm after its founder B Ramalinga Raju confessed to misappropriating its accounts for the last seven years.

However, 15-20% of the associates working on a specific accounts and verticals were retained for customer continuity.

El Chupacabra? 吸羊血的怪物

What is El Chupacabra?
El Chupacabra - Means "the goat sucker" in Spanish.

Named because of the way it sucked all the blood from Puerto Rican goats, the Chupacabra has been leaving fear in its tracks for many years now.

First spotted in Puerto Rico in 1994, the Chupacabra has since migrated off the island and has recently been spotted in many locations including South America as well as the US. Although it was named because of its choice of goat-blood as a meal, the Chupacabra has reportedly attacked and devoured the blood of a wide variety of animals including dogs and sheep. As far as we know, there have yet to be any human fatalities.

Due to the distinct technique the strange animal has of killing its prey, it is very easy to tell if the Chupacabra was involved in an animals death. Animals are found with puncture wounds in their neck and most of their blood removed. Often, the victim's organs have disappeared even though the only wound is a small hole in the animal's neck. Reports of laser-like cuts on the victim's ears are also common.

Although some people say they have seen the Chupacabra's tracks, in many cases there are no signs of blood or tracks around the dead animals.




Appearance

It is hard to describe the appearance of El Chupacabra because sightings greatly differ. Most say it is either gray or green. Some say it has a large lizard-like tongue, others say it has wings.

A bipedal creature (one that stands upright like a human), the Chupacabra has had many sightings where its height was reported to be anywhere from 3 and 6 feet tall. Some say it walks, some say it flies, and some say it has a kangaroo hop.

See our labeled drawing of El Chupacabra by hitting this link.

Where did it come from?

Like the descriptions of El Chupacabras' appearance, people's ideas of its origin widely vary. Many say it's a new species, or a relative to the panther. More eccentric scholars say it is a dinosaur or an alien. Another theory is that there is a portal to another dimension that stretches from Puerto Rico across to South America.

Our theory is that an alien spacecraft contained El Chupacabras' as pets or for study, and they somehow escaped during an accident, or a crash. You might have your own theory. If you do email it to us, we'll be glad to read it and we'll probably post it in the news if it is really interesting.

Maid Abuse Child (Singapore)

20/20 Way to slash individual TAXES

20) Invest in REITs
You can go into real estate investment trusts ( REITS )if your tax bracket above 15%.

There are 11 REITs listed on the Main Board.

The tax on dividends given out by these property-related investments are taxed at 15% as compared to tax on dividend at 26% ( under the new single –tier dividend system )

Only tax brackets exceeding 15% would enjoy some tax savings by investing in REITs

Since the distributions received by individual taxpayers have been subject to that 15% , the taxpayers are not required to declare the amount in their tax return.

Tax deduction:
Your tax saving is the difference between your personal tax bracket and 15%

19/20 Way to slash individual TAXES

19) Buy shares
Invest in dividend-yielding shares if your tax bracket is above 26%.

A new single-tier system was established under the national Budget for dividends received by shareholders.

Companies pay tax of 26% (YA2008) and shareholders receive a net dividend that is exempt from tax and does not need to be filed with the IRB “Shareholders who fall into higher tax brackets [higher than 26%] are essentially [getting a] saving on the difference.

“The single-tier dividends is intended to simplify the tax filing process for individuals,” says Chua Tia Guan, executive director and head of tax and financial planning at Great Vision Wealth Management Sdn Bhd.

“In the past, refunds had been slow. From now on, there is no need to declare or apply for a refund. And as corporate taxes are falling, companies will be able to pass on more profits to their shareholders [in the form of dividends],” he says.

However, not all companies will go under the single-tier system immediately as some of them might have imputation tax credits left, which they can use till 2013.

Shareholders who receive dividends from companies using the imputation system will have to report the amount received and claim a tax refund if his personal tax rate is lower than the company’s tax rate (27% in YA2007, 26% in YA2006).

Shareholders can identify the system used by the company as it is stated in the dividend vouchers.

Tax Deduction
Your tax saving is the difference between your tax bracket and 26% (the corporate tax rate). This is only applicable to dividends given out by companies using the single-tier system.

18/20 Way to slash individual TAXES

18) Buy Similar property
Similar property can be grouped together for income tax purposes.

The IRB has indentified categories such as residential , commercial and vacant land.

If you own two property in the same category , you can reduce the taxable profit made from one property with the loss, if any incurred from the other.

Property investors are also exempt from real property gains tax for all disposals on on or after 1st April 2007.

However , taxpayers who are trading property – buying and selling in order to generate income – are liable to income tax.

“ This exemption is meant for taxpayers who invest in property for a passive income”

Tax deduction :
Taxable income received from renting out a property in a particular grouping such as residential can be reduced if a loss was incurred by another property in the same group.

17/20 Way to slash individual TAXES

17) Buy property valued below or at RM250000
Stamp duty must be paid on all property transactions that involve a change of legal ownership.

Last year’s budget ( 2008 ) announced a 50% stamp duty exemption for the purchase of houses that do not exceed RM250000

The maximum tax savings that can be found here is RM2000 ( for a house worth RM250000 )

This exemption is only given for one house per individual and applies to sale and purchase agreement signed between September 2007 and December 2010

16/20 Way to slash individual TAXES

16) Hire a Tax Consultant
Consider hiring a tax consultant to explore ways your remuneration package can be structured to maximise your tax savings.

Those who are earning at least RM5000 every month should be able to justify the cost of hiring a tax adviser with their tax savings

Tax saving : this is dependent on your personal circumstances and the deal that you negotiate with your employer.

Tax – Savvy Investments
You may be looking at some investment this year.

There are savings to be made from certain investments , from a tax point of view.

However , some moves may be advantageous if you fall into a higher tax bracket .

Besides looking for tax-exempt investment , here are four investment moves to explore