1、蓝斯登原则：在你往上爬的时候，一定要保持梯子的整洁，否则你下来时可能会滑倒。
2、卢维斯定理：谦虚不是把自己想得很糟，而是完全不想自己。
3、托利得定理：测验一个人的智力是否属于上乘，只看脑子里能否同时容纳两种相反的思想，而无碍于其处世行事。
4、刺猬理论：刺猬在天冷时彼此靠拢取暖，但保持一定距离，以免互相刺伤。
5、鲦鱼效应：鲦鱼因个体弱小而常常群居，并以强健者为自然首领。将一只稍强的鲦鱼脑后控制行为的部分割除后，此鱼便失去自制力，行动也发生紊乱，但其他鲦鱼却仍像从前一样盲目追随。
6、雷鲍夫法则：在你着手建立合作和信任时要牢记我们语言中：
最重要的八个字是：我承认我犯过错误
最重要的七个字是：你干了一件好事
最重要的六个字是：你的看法如何
最重要的五个字是：咱们一起干
最重要的四个字是：不妨试试
最重要的三个字是：谢谢您
最重要的两个字是：咱们
最重要的一个字是：您
7、洛伯定理：对于一个经理人来说，最要紧的不是你在场时的情况，而是你不在场时发生了什么。
8、斯坦纳定理：在哪里说得愈少，在哪里听到的就愈多。
9、费斯诺定理：人两只耳朵却只有一张嘴巴，这意味着人应该多听少讲。
10、牢骚效应：凡是公司中有对工作发牢骚的人，那家公司或老板一定比没有这种人或有这种人而把牢骚埋在肚子里公司要成功得多。
11、避雷针效应：在高大建筑物顶端安装一个金属棒，用金属线与埋在地下的一块金属板连接起来，利用金属棒的尖端放电，使云层所带的电和地上的电逐渐中和，从而保护建筑物等避免雷击。
12、氨基酸组合效应：组成人体蛋白的八种氨基酸，只要有一种含量不足，其他七种就无法合成蛋白质。
13、米格-25效应：前苏联研制的米格-25喷气式战斗机的许多零部件与美国的相比都落后，但因设计者考虑了整体性能，故能在升降、速度、应急反应等方面成为当时世界一流。
14、磨合效应：新组装的机器，通过一定时期的使用，把磨擦面上的加工痕迹磨光而变得更加密合。
15、波特定理：当遭受许多批评时，下级往往只记住开头的一些，其余就不听了，因为他们忙于思索论据来反驳开头的批评。
16、蓝斯登定律：跟一位朋友一起工作，远较在父亲之下工作有趣得多。
17、吉尔伯特法则：工作危机最确凿的信号，是没有人跟你说该怎样作。
18、权威暗示效应：一化学家称，他将测验一瓶臭气的传播速度，他打开瓶盖15秒后，前排学生即举手，称自己闻到臭气，而后排的人则陆续举手，纷纷称自己也已闻到，其实瓶中什么也没有。
19、奥尼尔定理：所有的政治都是地方的。
20、定位效应：社会心理学家曾作过一个试验：在召集会议时先让人们自由选择位子，之后到室外休息片刻再进入室内入座，如此五至六次，发现大多数人都选择他们第一次坐过的位子。
21、艾奇布恩定理：如果你遇见员工而不认得，或忘了他的名字，那你的公司就太大了点。
22、吉格勒定理：除了生命本身，没有任何才能不需要后天的锻炼。
23、犬獒效应：当年幼的藏犬长出牙齿并能撕咬时，主人就把它们放到一个没有食物和水的封闭环境里让这些幼犬自相撕咬，最后剩下一只活着的犬，这只犬称为獒。据说十只犬才能产生一只獒。
24、近因效应：最近或最后的印象对人的认知有强烈的影响。
25、洒井法则：在招工时用尽浑身解数，使出各种方法，不如使自身成为一个好公司，这样人才自然而然会汇集而来。
26、美即好效应：对一个外表英俊漂亮的人，人们很容易误认为他或她的其他方面也很不错。
27、奥格尔维法则：如果我们每个人都雇用比我们自己都更强的人，我们就能成为巨人公司。
28、皮尔卡丹定理：用人上一加一不等于二，搞不好等于零。
29、马蝇效应：再懒惰的马，只要身上有马蝇叮咬，它也会精神抖擞，飞快奔跑。
30、倒u形假说：当一个人处于轻度兴奋时，能把工作作得最好。当一个人一点儿兴奋都没有时，也就没有作好工作的动力了；相应地，当一个人处于极度兴奋 时，随之而来的压力可能会使他完不成本该完成的工作。世界网坛名将贝克尔之所以被称为常胜将军，其秘诀之一即是在比赛中自始至终防止过度兴奋，而保持半兴 奋状态。所以有人亦将倒u形假说称为贝克尔境界。
31、特伯论断：在数字中找不到安全。
32、摩斯科定理：你得到的第一个回答，不一定是最好的回答。
33、罗杰斯论断：成功的公司不会等待外界的影响来决定自己的命运，而是始终向前看。
34、萨盖定律：戴一块手表的人知道准确的时间，戴两块手表的人便不敢确定几点了。
35、隧道视野效应：一个人若身处隧道，他看到的就只是前后非常狭窄的视野。
36、巴菲特定律：在其他人都投了资的地方去投资，你是不会发财的。
提出者：美国股神巴菲特。
37、古特雷定理：每一处出口都是另一处的入口。
38、列文定理：那些犹豫着迟迟不能作出计划的人，通常是因为对自己的能力没有把握。
39、弗洛斯特法则：在筑墙之前应该知道把什么圈出去，把什么圈进来。
40、波克定理：只有在争辩中，才可能诞生最好的主意和最好的决定。
41、韦奇定理：即使你已有了主见，但如果有十个朋友看法和你相反，你就很难不动摇。
42、福克兰定律：没有必要作出决定时，就有必要不作决定。
43、王安论断：犹豫不决固然可以免去一些作错事的机会，但也失去了成功的机遇。
44、格瑞斯特定理：杰出的策略必须加上杰出的执行才能奏效。
45、吉德林法则：把难题清清楚楚地写出来，便已经解决了一半。
46、沃尔森法则：把信息和情报放在第一位，金钱就会滚滚而来。
47、塔马拉效应：塔马拉是捷克雷达专家弗佩赫发明的一种雷达，它与其他雷达的最大不同是不发射信号而只接收信号，故不会被敌方反雷达装置发现。
48、小池定理：越是沉醉，就越是抓住眼前的东西不放。
49、赫勒法则：当人们知道自己的工作成绩有人检查的时候会加倍努力。
50、横山法则：最有效并持续不断的控制不是强制，而是触发个人内在的自发控制。
51、蝴蝶效应：紊乱学研究者称，南半球某地的一只蝴蝶偶尔扇动一下翅膀所引起的微弱气流，几星期后可变成席卷北半球某地的一场龙卷风。他们将这种由一个极小起因，经过一定的时间，在其他因素的参与作用下，发展成极为巨大和复杂后果的现象称为蝴蝶效应。
52、阿什法则：承认问题是解决问题的第一步。
53、洛克忠告：规定应该少定，一旦定下之后，便得严格遵守。
54、热炉法则：当人用手去碰烧热的火炉时，就会受到烫的惩罚，其有以下三个特点：即时性、预警性、平等性。
55、柯美雅定律：世上没有十全十美的东西，所以任何东西都有改革的余地。
56、达维多夫定律：没有创新精神的人永远也只能是一个执行者。
57、自吃幼崽效应：美国硅谷企业竞争十分激烈，以至于各公司都积极寻找自己的致命弱点，所有公司共同的生存之道是：拿出更好看产品来击败自己的原有产品。有人将这种行为戏称为自吃幼崽。
58、舍恩定理：新思想只有落到真正相信它，对它着迷的人手里才能开花结果。
59、吉宁定理：真正的错误是害怕犯错误。
60、卡贝定理：放弃是创新的钥匙。
Wednesday, August 13, 2014
Sunday, May 4, 2014
Habits of Financially Successful People
Sometimes wealth comes to those who are lucky; they win the lottery or they decided to invest in Apple in 1981 when the share price was just $28.83. However, it’s far more likely their wealth came through good habits.
Wealthy people actually have a lot of the same traits and habits that enable them to persevere through difficult times and come out on top with millions (or billions) of dollars. It’s not a coincidence that the rich share these habits.
Of course, that doesn’t mean waking up early and reading more is guaranteed to make you a millionaire in 10, 20, or 30 years. However, there’s no denying the “rags to riches” story. Marketing firm NowSourcing reported that 68% of the Americans on Forbes’ Billionaires List are self-made billionaires—they didn’t inherit their fortunes.
Clearly the right habits can be a roadmap to success. Author Tom Corley interviewed 233 wealthy people and 128 poor people during a 5-year period. He found that the wealthy people had similar habits to one another and the poor people had similar habits, and there was a huge difference between the 2 groups.
The rich are definitely creatures of habit with 84% believing that good habits create opportunity and 76% believing that bad habits have a negative impact.
To-do lists
According to NowSourcing, 81% of wealthy maintain a to-do list and, more than that, they check off at least 70% of that list a day. In comparison, just 9% of people who struggle financially have a to-do list. Having goals and writing them down gives them a purpose, something to strive toward.
Don’t allow a list to overwhelm you, though. Financially successful people focus on accomplishing a specific goal at a time, and they make sure their daily actions are aligned with longer-term goals. While 80% of wealthy people focus on a specific goal, just 12% of poor people do the same.
In order to get through that list and actually accomplish what they want, successful people have learned how to manage their time effectively.
Wake up early
True, there isn’t an overwhelming majority of wealthy people who wake up early, but 44% of them get up 3-plus hours before work, which is far more than the 3% of poor people. In the hours before going to work, successful people focus on self improvement and reading educational material relating to their jobs.
Waking up early is also a common trait of the super wealthy. Many CEOs and business leaders are the type of people who wake up at 5 in the morning, read the paper, send out some emails, and fit in some time to exercise all before heading in to the office.
Keep healthy
Corley found that 70% of wealthy people ate less than 300 junk food calories each day. In comparison, 97% of poor people ate more than 300 junk food calories a day.
True, healthy foods aren’t cheap, but financially successful people try to eat healthy and stay fit because health issues can interfere with their ability to make money. Plus, staying healthy reduces medical expenses and lessens the strain on their finances.
Three-quarters of successful people are said to exercise aerobically 4 days a week compared to 23% of people who struggle financially.
Read
Instead of relaxing in front of the TV, wealthy people gravitate toward books. Not only does 86% claim that they love to read, but 88% read at least 30 minutes each day and 63% listen to audiobooks during a commute.
According to Corley, the reading that wealthy people do is often for education or for career-related reasons. He also found that 76% read 2 or more education-related, self help-related books a month, which is something the poor don’t do.
Continue to learn
Related to their desire to read, wealthy people believe in the importance in continuing to learn throughout their lives. They put an emphasis on education, reading, and self-improvement and as a result wealthy people commonly adapt and evolve easily.
While 86% of successful people believe in lifelong educational self-improvement, just 5% of those who struggle financially agree.
Successful people stay successful because they aren’t afraid to change their minds or entertain other viewpoints. In their pursuit of knowledge, they allow what they learn to mold them. Continuous learning helps them develop new skills to keep them valuable to shareholders, clients, and consumers.
Surround themselves with other wealthy people
Wealthy people spend a lot of time around other successful people. In fact, 79% network 5 or more hours each month. They place importance on building relationships by returning phone calls, remembering personal information about the people they meet with, and, of course, networking regularly.
Successful people limit their exposure to negative people and naysayers and spend time with those who effect change and who will be a positive influence. They network to find people who can help them on their way to further success.
Even people who haven’t reached financial success should spend time with wealthy people. The best way to pick up their habits and traits is by keeping company with the people whose behaviors you want to emulate.
Do what is difficult
People with money work longer, harder, and smarter. They sacrifice today in order to reap the rewards further down the line. And they aren’t happy with the easy road. Instead, they usually make their money by finding the gaps in the market, by coming up with something no one else has before.
Furthermore, successful people are persistent. They don’t let failures keep them down, and, believe it or not, wealthy people usually have even more failures than most people. However, they learn from their mistakes. According to Inc.com, while financially successful people use their mistakes to help them succeed the next time, only 17% of the middle class can say the same.
Successful people realize that mistakes are inevitable. It’s how they react and move forward that sets them apart from the rest of us.
Wealthy people actually have a lot of the same traits and habits that enable them to persevere through difficult times and come out on top with millions (or billions) of dollars. It’s not a coincidence that the rich share these habits.
Of course, that doesn’t mean waking up early and reading more is guaranteed to make you a millionaire in 10, 20, or 30 years. However, there’s no denying the “rags to riches” story. Marketing firm NowSourcing reported that 68% of the Americans on Forbes’ Billionaires List are self-made billionaires—they didn’t inherit their fortunes.
Clearly the right habits can be a roadmap to success. Author Tom Corley interviewed 233 wealthy people and 128 poor people during a 5-year period. He found that the wealthy people had similar habits to one another and the poor people had similar habits, and there was a huge difference between the 2 groups.
The rich are definitely creatures of habit with 84% believing that good habits create opportunity and 76% believing that bad habits have a negative impact.
To-do lists
According to NowSourcing, 81% of wealthy maintain a to-do list and, more than that, they check off at least 70% of that list a day. In comparison, just 9% of people who struggle financially have a to-do list. Having goals and writing them down gives them a purpose, something to strive toward.
Don’t allow a list to overwhelm you, though. Financially successful people focus on accomplishing a specific goal at a time, and they make sure their daily actions are aligned with longer-term goals. While 80% of wealthy people focus on a specific goal, just 12% of poor people do the same.
In order to get through that list and actually accomplish what they want, successful people have learned how to manage their time effectively.
Wake up early
True, there isn’t an overwhelming majority of wealthy people who wake up early, but 44% of them get up 3-plus hours before work, which is far more than the 3% of poor people. In the hours before going to work, successful people focus on self improvement and reading educational material relating to their jobs.
Waking up early is also a common trait of the super wealthy. Many CEOs and business leaders are the type of people who wake up at 5 in the morning, read the paper, send out some emails, and fit in some time to exercise all before heading in to the office.
Keep healthy
Corley found that 70% of wealthy people ate less than 300 junk food calories each day. In comparison, 97% of poor people ate more than 300 junk food calories a day.
True, healthy foods aren’t cheap, but financially successful people try to eat healthy and stay fit because health issues can interfere with their ability to make money. Plus, staying healthy reduces medical expenses and lessens the strain on their finances.
Three-quarters of successful people are said to exercise aerobically 4 days a week compared to 23% of people who struggle financially.
Read
Instead of relaxing in front of the TV, wealthy people gravitate toward books. Not only does 86% claim that they love to read, but 88% read at least 30 minutes each day and 63% listen to audiobooks during a commute.
According to Corley, the reading that wealthy people do is often for education or for career-related reasons. He also found that 76% read 2 or more education-related, self help-related books a month, which is something the poor don’t do.
Continue to learn
Related to their desire to read, wealthy people believe in the importance in continuing to learn throughout their lives. They put an emphasis on education, reading, and self-improvement and as a result wealthy people commonly adapt and evolve easily.
While 86% of successful people believe in lifelong educational self-improvement, just 5% of those who struggle financially agree.
Successful people stay successful because they aren’t afraid to change their minds or entertain other viewpoints. In their pursuit of knowledge, they allow what they learn to mold them. Continuous learning helps them develop new skills to keep them valuable to shareholders, clients, and consumers.
Surround themselves with other wealthy people
Wealthy people spend a lot of time around other successful people. In fact, 79% network 5 or more hours each month. They place importance on building relationships by returning phone calls, remembering personal information about the people they meet with, and, of course, networking regularly.
Successful people limit their exposure to negative people and naysayers and spend time with those who effect change and who will be a positive influence. They network to find people who can help them on their way to further success.
Even people who haven’t reached financial success should spend time with wealthy people. The best way to pick up their habits and traits is by keeping company with the people whose behaviors you want to emulate.
Do what is difficult
People with money work longer, harder, and smarter. They sacrifice today in order to reap the rewards further down the line. And they aren’t happy with the easy road. Instead, they usually make their money by finding the gaps in the market, by coming up with something no one else has before.
Furthermore, successful people are persistent. They don’t let failures keep them down, and, believe it or not, wealthy people usually have even more failures than most people. However, they learn from their mistakes. According to Inc.com, while financially successful people use their mistakes to help them succeed the next time, only 17% of the middle class can say the same.
Successful people realize that mistakes are inevitable. It’s how they react and move forward that sets them apart from the rest of us.
http://www.hcplive.com/physicians-money-digest/personal-finance/lbj-habits-of-financially-successful-people/P-3
Friday, April 18, 2014
[转帖] 與時拼經 ．RM2000特別減免成亮點 稅要怎麼報？
報導：邱佩勛
踏入報稅季節，不管是報稅老鳥還是菜鳥，都得在4月底（傳統報稅）或5月15日（電子報稅）之前處理這年度稅事。
報稅截止日迫在眉睫，除了今年報稅亮點，也別忘了報稅前后應注意事項。
政府經常提供不同援助給低收入者以減輕他們的生活負擔，中產階級常控訴被忽略。但對中低收入的打工族來說，今年報稅最大亮點就是2000令吉的一次性特別減免。
首相拿督斯里納吉去年公佈2014年財政預算案時宣佈，去年累積收入不超過9萬6000令吉的個人納稅人，可獲得2000令吉的一次性減免。
但這項特別減免只限2013稅年，到了明年報稅時，納稅人將不再享有這項特別減免。
換言之，月收入相等于8000令吉的納稅人今年報稅時，包括原有9000令吉個人減免在內，將可獲得1萬1000令吉的扣稅，估計可節省480令吉稅金。
此外，可征稅收入（chargeable income）不超過3萬5000令吉的納稅人，依然可獲得400令吉回扣。
18歲兒女減免增至RM6000
另一方面，已經7年沒有調整的兒女（18歲以上）減免，2013稅年開始，扣稅額獲提高2000令吉至6000令吉。
今年報稅開始，納稅人若有18歲以上、未婚且在國內大學或學院就讀文憑（diploma）或以上學位（不包括先修班課程）的兒女，可以獲得每個孩子各6000令吉的減免。
兒女18歲以上，未婚且在國外大學或學院就讀大學或更高學位課程，納稅人也能獲得6000令吉扣稅。
要注意的是，18歲以上，未婚且接受全日職教育（例如大學先修班課程）的兒女，每人減免只有1000令吉，並非6000令吉。
納稅人（個人）可享有的最高減免（令吉）
| ||
項目
| 2013稅年 | |
| 1. | 個人減免 |
9,000
|
| 2. | 特別減免（只限2013稅年） |
2,000
|
| 3. | 個人父母醫藥費 |
5,000
|
| 4. | 個人、配偶、兒女及父母的基本輔助配備，如輪椅。 |
5,000
|
| 5. | 殘障人士 |
6,000
|
| 6. |
個人進修及教育費：
－碩士或博士研究生就讀的所有課程
－法律、會計、伊斯蘭金融、技術、職業技能、工業技術、科學或科技資訊課程
|
5,000
|
| 7. | 個人、配偶或子女的嚴重疾病開銷（包括500令吉的醫療檢查開銷） |
5,000
|
| 8. | 個人、配偶或子女購買書藉、雜誌及其他出版刊物（不包括報紙和違禁讀物） |
1,000
|
| 9. | 供個人用途的個人電腦（每3年只可減免1次） |
3,000
|
| 10. | 為子女存入國家存款教育基金的淨金額（存款扣除提款） |
6,000
|
| 11. | 購買運動器材（根據1997年體育發展法令下的運動項目） |
300
|
| 12. | 房屋貸款利息（必須符合條件） |
10,000
|
| 13. | 沒有工作的配偶減免或支付前妻的贍養費 |
3,000
|
| 14. | 殘障配偶 |
3,500
|
| 15. | 兒女減免（由夫妻其中一人申領）： | |
| －18歲以下（每名） |
1,000
| |
| －18歲以下，未婚且接受全日制教育的子女（每名） |
1,000
| |
| －18歲以上，未婚且在國內大學或學院就讀的子女，不包括大學先修班課程（每名） |
6,000
| |
| －18歲以上，未婚且在國外大學或學院就讀大學或更高學位課程的子女（每名） |
6,000
| |
| －殘障子女（未婚）（每名） |
5,000
| |
－18歲以上，在國內外大學或學院就讀的殘障子女（每名）
（*註：包括5000令吉的殘障子女減免和6000令吉額外減免）
|
11,000
| |
| 16. | 公積金和壽險保費 |
6,000
|
| 17. | 私人退休計劃和年金 |
3,000
|
| 18. | 教育及醫藥保費（個人、配偶或子女） |
3,000
|
每月預扣稅金菜鳥報稅初體驗
相信許多受薪族的“扣稅初體驗”，是來自薪資單上的每月預扣稅金（PCB或MTD）。
每月薪資一旦被預扣稅金，也意味稅收局系統已自動開設報稅戶頭，有關報稅菜鳥不必再另外向稅收局開設報稅戶頭，但一定得報稅。
因為在這情況下，逃避不報稅，只是白白浪費省稅甚至索回稅金的機會。而且，被預扣稅金、開了報稅戶頭，意即名字已“記錄在案”，若沒有填寫並呈交BE表格，分分鐘會被冠上“逃稅”罪名。
稅收局企業公關部主管諾阿茲拉回應《中國報》提問說，去年已被預扣稅金的受薪族，應該報稅並申領各項減免、繳付余額稅金（若有），或索回多繳稅金。
“已被預扣稅金、但未曾報稅的受薪族，可致電稅收局確認個人報稅號碼和相關資料。”
她提醒說，若已被扣稅，資料卻不在稅收局系統內，就一定得向雇主查證，確保雇主有提呈完整資料給稅收局。
可上網重設密碼
電子報稅已成趨勢，e世代的今日，除了可上網開報稅戶頭、查詢每月預扣稅金詳情、索取密碼報稅，當然也可以重設密碼。
是的，報稅老鳥若忘記電子報稅的登入密碼，可以登錄稅收局網站重設密碼。
已有戶頭、但不曾報稅或想從傳統紙張報稅改為電子報稅的納稅人，可以電郵稅收局索取密碼以電子報稅；電子報稅網址為https://e.hasil.gov.my/。
未有報稅戶頭者，可以瀏覽稅收局官方網站（http://www.hasil.gov.my），選擇並根據電子註冊（e-Daftar）指示，填寫表格並呈上相關資料給稅收局。
若親自到稅收局分行註冊和開設戶頭，必須攜帶大馬卡副本和收入證明。
存款利息不必申報
銀行存款利息、免稅股息或單位信托紅利等，都不必報稅，即不必填入稅表內。
如果投資公司派發的股息在舊有稅制下被征了公司稅（簡稱扣稅股息），那這筆股息就得填入稅表內，以索回被征的公司稅金，避免雙重征稅。
資本獲利如存款利息不必報稅，但如果是兼職賺取的收入即“秘撈”，就得報稅了。
根據稅收局，納稅人其他收入，例如兼職廣播、教課、文字工作等賺取的收入，都得呈報當局。
如果是做生意賺取經商收入，就得申報B表格，最遲6月底（傳統報稅）或7月15日（電子報稅）報稅。
國民教育儲蓄減免限淨存款
綜觀眾多減免，已為兒女開設國民教育儲蓄戶頭的納稅人，可續享有最高6000令吉的國民教育儲蓄計劃（SSPN）淨存款減免。
父母或年滿18歲以上的合法監護人，為1歲至28歲的孩子（即受益人）開設的國民教育儲蓄戶頭，有關淨存款可以獲得最高6000令吉的減免。這項減免從2012稅年至2017稅年生效。
但納稅人應注意，報稅時只能填入該年存入國民教育儲蓄戶頭的淨存款額。所謂淨存款，是指該年存入的金額扣除同一年提領的金額后，取得的淨額。
假設納稅人2012年的戶口余額有5000令吉，2013年加碼存入6000令吉。但同年，他提出5000令吉。那么報稅時，他只能申領1000令吉（6000-5000）的減免，而不是6000令吉。
房貸利息減免最后一年
寬頻不可再扣稅
今年報稅開始，納稅人將不再享有500令吉的寬頻減免。至于最高1萬令吉的房貸利息減免，
今年也將是最后一年申領。
諾阿茲拉指出，500令吉的寬頻減免，只限2010稅年至2012稅年，意即納稅人去年呈報2012稅年的BE表格時，已是最后一年享有這項減免。
她提醒說，納稅人今年報稅時，稅表不會再有寬頻減免一欄。
另外，最高1萬令吉的房貸利息減免，只限在2009年3月10日至2010年12月31日簽署買賣同意書的房產，扣稅是從納稅人首次支付房貸利息那年開始算起，持續3個稅年。
若以2010年12月31日買賣同意書，並在2011年開始支付房貸利息來推算，納稅人在2011年至2013年都可享有房貸利息減免。
與利息津貼不同
換言之，2013稅年將是申領這項減免的最后一年。
應注意的是，房貸利息減免和雇主提供的貸款利息津貼是兩回事，不可混為一談。
雇主提供雇員的房屋、教育或汽車貸款的利息津貼屬于員工福利，為免稅津貼，納稅人不必報稅，但雇主必須把這項免稅津貼金額列在EA表格內。
至于房貸利息減免，是列在BE表格的減免欄目（F部分）。只有符合條件者才能獲得一年最高1萬令吉的房貸利息減免。條件如下：
1. 有關納稅人是大馬公民和居民；
2. 只限一間住宅房地產，包括一間房子、公寓、組屋或商業店舖樓上的組屋；
3. 有關房產的買賣同意書是在2009年3月10日至2010年12月31日期間執行；
4. 納稅人沒有從有關房產獲取任何收入。
信用卡賬單
可作收據證明
報稅最重要的就是相關文件與收據，有收據證明才能扣稅。稅收局官員指出，如果遺失或找不到單據，信用卡賬單也可作為收據證明。
諾阿茲拉指出，如果納稅人是以信用卡購買可扣稅物品（例如電腦），若無法找到正式收據，信用卡賬單是可以作為開銷證明。
另外，隨著稅收局鼓勵電子報稅，並把焦點放在查稅和防範逃稅事宜，納稅人應未雨綢繆，養成良好報稅習慣。
除了開一個報稅文件夾，分門別類的妥善保存文件，也應該在報稅后，保存一份報稅表格。
◆受薪族年度稅事
稅表：BE表格
誰要報稅：無經商收入的個人
報稅截止日：4月30日（傳統報稅）或5月15日（電子報稅）
電子報稅網址：https://e.hasil.gov.my/
報稅需用文件
1. 年收入表（一般為EA表格）
2. 股息收據
3. 租約、租金收入和出租開銷
4. 支付壽險、醫藥保險和教育保險保費的收據或證明
5. 繳納私人退休計劃的證明
6. 醫藥治療收據
7. 購買運動器材、書籍與雜誌、電腦等的收據
8. 已被預扣稅金的薪資單
9. 任何相關收據或發票
Source URL: http://www.chinapress.com.my/node/514486
Sunday, March 23, 2014
Search for flight MH370 reveals Malaysia’s flaws, says Bloomberg columnist
A Bloomberg columnist has criticised Malaysia's handling of the search for Malaysia Airlines flight MH370, saying that the chaos that marred the hunt has shown up the country's weaknesses.
William Pesek, in his column titled "A Plane Disappears, Malaysia's Flaws Emerge", questioned Datuk Seri Hishammuddin Hussein's credentials that made him defence and acting transport minister.
"How does someone like Hishammuddin Hussein become defence minister and acting transport minister in Southeast Asia's third-biggest economy?
"Even with his nearly 20-year stint as a legislator and more than a decade in ministerial posts, it can't hurt that he's also the scion of a powerful political family.
"The lamentable manner in which he has fielded questions about the search underscores how unaccustomed Malaysia's leaders are to being questioned by anyone," Pasek wrote in his column.
He said it was this mindset which has caused Malaysia to be ensnared in the middle-income trap which countries like South Korea and Thailand had escaped years ago.
"Rather than free the economy from race-based quotas and business preferences, the party has expanded them.
"Never mind that these policies make Malaysia even less attractive to multinational companies and encourage so many of the nation's best and brightest to move to Singapore and Hong Kong. Or that the Philippines and Indonesia are surging ahead as Malaysia looks backward," Pesek said.
He said Malaysia had long been handicapped by a political culture which placed the ruling party's needs above those of the people.
"For six decades, Prime Minister (Datuk Seri) Najib Razak's United Malays National Organisation (Umno) has appeared to have only one goal: to maintain its hold on power.
"It's thus promoted – and recently reinforced – Malay-first racial policies that benefit its political base. The side effects, including stagnant living standards, waning competitiveness, and the humiliation of Malaysia's sizable Chinese and Indian minority populations, are all overlooked in the service of this larger goal," said Pesek.
He said Malaysia is proving to be all hardware and no software.
"For years, Umno acted as though top-quality roads, state-of-the-art ports and bridges, iconic skyscrapers and a swanky new capital in Putrajaya would inevitably pave the way to prosperity.
"But economic software is even more important. And on that front, Malaysia has never bothered to cut red tape, level the playing field for non-Malays, or introduce the competitive forces necessary to stimulate entrepreneurship," Pesek said in his column.
He also took a dig at the Election Commission's redelineation exercise, the government's financial aid, the religious tension in the country and Putrajaya's action against publications deemed to be "anti-government".
"Why bother when all the party needs to do to stay in power is redraw voting districts, bribe the masses with fat handouts, invoke religion when necessary, and muzzle any pesky publications that dare to write about corruption and privilege?
"All this explains why per-capita income in a resource-rich nation with an enviable geographic position in Asia has stalled at near the US$10,000 (about RM33,000) mark.
"Malaysia is stuck in the middle-income trap because its leaders are stuck in time.
"The families of the victims of flight 370 deserve better. But then, so do the Malaysians whom Najib claims to serve," said the columnist. – March 21, 2014
公司請你來幹嘛？
公司請你來做什麼？
請你來是解決問題而不是製造問題
如果你不能發現問題或解決不了問題，你本人就是一個問題
你能解決多大的問題，你就坐多高的位子
你能解決多少問題，你就能拿多少薪水
讓解決問題的人高升，讓製造問題的人讓位，讓抱怨問題的人下課
請你來是解決問題而不是製造問題
如果你不能發現問題或解決不了問題，你本人就是一個問題
你能解決多大的問題，你就坐多高的位子
你能解決多少問題，你就能拿多少薪水
讓解決問題的人高升，讓製造問題的人讓位，讓抱怨問題的人下課
【問題就是你的機會】
1、公司的問題：就是你改善的機會；
2、客戶的問題：就是你提供服務的機會；
3、自己的問題：就是你成長的機會；
4、同事的問題：就是你提供支持建立合作機會；
5、領導的問題：就是你積極解決獲得信任的機會
6、競爭對手的問題：就是你變強的機會。
1、公司的問題：就是你改善的機會；
2、客戶的問題：就是你提供服務的機會；
3、自己的問題：就是你成長的機會；
4、同事的問題：就是你提供支持建立合作機會；
5、領導的問題：就是你積極解決獲得信任的機會
6、競爭對手的問題：就是你變強的機會。
不要輕易離開團隊，否則你要從零做起：
1、不要老想著做不順就放棄，哪個團隊都有問題，哪個團隊都有優點。
2、跟對領導很重要，願意教你的，放手讓你做的領導，絕對要珍惜。
3、團隊的問題就是你脫穎而出的機會，抱怨和埋怨團隊就是打自己耳光，說自己無能，更是在放棄機會！
4、心懷感恩之心，感謝系統給你平台，感謝夥伴給你配合。
5、創造利潤是你存在的核心價值，創業不是做慈善。
6、遇到問題請先思考，只反映問題是初級水平，思考並解決問題才是高級水平。
1、不要老想著做不順就放棄，哪個團隊都有問題，哪個團隊都有優點。
2、跟對領導很重要，願意教你的，放手讓你做的領導，絕對要珍惜。
3、團隊的問題就是你脫穎而出的機會，抱怨和埋怨團隊就是打自己耳光，說自己無能，更是在放棄機會！
4、心懷感恩之心，感謝系統給你平台，感謝夥伴給你配合。
5、創造利潤是你存在的核心價值，創業不是做慈善。
6、遇到問題請先思考，只反映問題是初級水平，思考並解決問題才是高級水平。
誰能最後享受到勝利成果？
第一：能始終跟著團隊一起成長的人。
第二：對團隊的前景始終看好的人。
第三：在團隊不斷的探索中能找到自己位置的人。
第四：為了團隊新的目標不斷學習新東西的人。
第五：抗壓能力強且有耐性的人。
第六：與團隊同心同德、同舟共濟、同甘共苦的人
第七：不計較個人得失，顧全大局的人。
第八：雄心博大，德才兼備，有奉獻的人！
第一：能始終跟著團隊一起成長的人。
第二：對團隊的前景始終看好的人。
第三：在團隊不斷的探索中能找到自己位置的人。
第四：為了團隊新的目標不斷學習新東西的人。
第五：抗壓能力強且有耐性的人。
第六：與團隊同心同德、同舟共濟、同甘共苦的人
第七：不計較個人得失，顧全大局的人。
第八：雄心博大，德才兼備，有奉獻的人！
只為成功找方法，不為失敗找藉口
第一段
你的責任就是你的方向，
你的經歷就是你的資本，
你的性格就是你的命運。
第一段
你的責任就是你的方向，
你的經歷就是你的資本，
你的性格就是你的命運。
第二段
複雜的事情簡單做，你就是專家；
簡單的事情重複做，你就是行家；
重複的事情用心做，你就是贏家。
複雜的事情簡單做，你就是專家；
簡單的事情重複做，你就是行家；
重複的事情用心做，你就是贏家。
第三段
美好是屬於自信者的，
機會是屬於開拓者的，
奇蹟是屬於執著者的！
你若不想做，總會找到藉口；
你若真想做，總會找到方法！
美好是屬於自信者的，
機會是屬於開拓者的，
奇蹟是屬於執著者的！
你若不想做，總會找到藉口；
你若真想做，總會找到方法！
對領導而言:愛他就嚴格要求他!
1、對你有嚴格要求的領導，才是能真正幫助你成長的好領導，使我痛苦者，必使我強大！
2、任何強大公司都不會給下屬安全感，用最殘忍方式激發每個人變得強大，自強不息！
3、凡是想辦法給下屬安全感的公司都會毀滅的，因為再強大的人，在溫順的環境中都會失去狼性！
4、凡是想方設法逼出員工能力，開發員工潛力的公司都會升騰不息，因為在這種環境下，要么變成狼，要么被狼吃掉!
5、最不給員工安全感的公司，其實給了真正的安全感，因為逼出了他們的強大，逼出了他們的成長，也因此他們有了未來！
6、如果真的愛你的下屬，就考核他，要求他，高要求，高目標，高標準，逼迫他成長！
7、如果你礙於情面，低目標，低要求，低標准養了一群小綿羊、老油條，小白兔。這是對下屬最大的不負責任! 因為這只會助長他們的任性、嫉妒和懶惰。
讓你的下屬因為你而成長，擁有正確的人生觀，價值觀，並具備了完善的品行。
讓員工不斷的成長，就是領導對下屬最偉大的愛
1、對你有嚴格要求的領導，才是能真正幫助你成長的好領導，使我痛苦者，必使我強大！
2、任何強大公司都不會給下屬安全感，用最殘忍方式激發每個人變得強大，自強不息！
3、凡是想辦法給下屬安全感的公司都會毀滅的，因為再強大的人，在溫順的環境中都會失去狼性！
4、凡是想方設法逼出員工能力，開發員工潛力的公司都會升騰不息，因為在這種環境下，要么變成狼，要么被狼吃掉!
5、最不給員工安全感的公司，其實給了真正的安全感，因為逼出了他們的強大，逼出了他們的成長，也因此他們有了未來！
6、如果真的愛你的下屬，就考核他，要求他，高要求，高目標，高標準，逼迫他成長！
7、如果你礙於情面，低目標，低要求，低標准養了一群小綿羊、老油條，小白兔。這是對下屬最大的不負責任! 因為這只會助長他們的任性、嫉妒和懶惰。
讓你的下屬因為你而成長，擁有正確的人生觀，價值觀，並具備了完善的品行。
讓員工不斷的成長，就是領導對下屬最偉大的愛
From: http://www.life.com.tw/
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