JPJ new vehicle Reg. no - Mar 15

JPJ New vehicles Reg. no. - Feb2015

JPJ new vehicle Reg. no - Jan 2015

JPJ New vehicles Reg. No. - Dec2014

大马国民的真实财务状况，或许比你想像中差很多

我过往都认为，大马的储蓄率偏高，绝不会发生有如该先进国的壮举，直到最近读了这份报告，根据Malaysia Human Development Report 2013的调查，透露以下数据：

1）53% 的国民没有任何资产
2）33%的国民没有任何银行户口
3）国民表面上拥有高储蓄率，其实那是由于企业储蓄造成，真实的情况是，高达88%的国民，没有任何储蓄（不包含EPF)
4）57%的国民没有任何投资收入
5）根据EPF的数据，高达2.1million，或33.33%的会员，月收入低于RM1000, 76.8%的国民收入少于RM3000, 以及90%的国民收入少于RM5000

我不知道这份报告的准确度有多高，如果属实，则我们现在的情况比"一向不储蓄"的美国更糟，我简直不敢相信高达88%的国民没有任何储蓄！

以大马现在的财务状况，如果一个经济风暴盖过来，不知道有多少人根本没能力"避难" 特别是大马家庭债务位于高水平，占GDP的87%，如果国民没任何储蓄，风暴来临银行关水喉，该如何还贷？

JPJ new vehicle Reg, no. - November 2014

JPJ New car Reg. - October 2014

Budget 2015 Highlights - 10th Oct2014

Budget 2015 Highlights

Below are the highlights of the 2015 Budget:,  2015 Budget outlined seven main strategies:

Strengthening economic growth, enhancing fiscal governance, developing human capital and entrepreneurship, advancing Bumiputera agenda, upholding the role of women, developing national youth transformation programme, and prioritising well-being the people.

Allocation

2015 Budget allocates RM273.9bil, up RM9.8bil compared to 2014 initial allocation. RM223.4bil is for operating expenditure, RM50.5bil for development expenditure.

Cargo ships:

To assist owners of cargo ships with gross tonnage not exceeding 300 tonnes, the Government will establish a Malaysia P&I Club under Exim Bank. The Club will offer third-party liability protection at reasonable premiums. 

Services sector: 

In 2013, the services sector contributed 55.2% to GDP. To achieve the target of 60% by 2020, the Government will boost the services sector by implementing the following initiatives: 

First: Implementing the Services Sector Blueprint;

Second: Setting up a Services Sector Guarantee Scheme amounting to RM5bil for SMEs in the services sector, with a maximum financing of RM5mil together with 70% Government guarantee. 

The scheme is expected to benefit 4,000 SMEs; 

Third: Establishing a Research Incentive Scheme for Enterprises (RISE) with an allocation of RM10mil to encourage companies to set up research centres in high technology, ICT and knowledge- based industries; 

Fourth: Reintroducing the Services Export Fund (SEF) totalling RM300mil to encourage SMEs to conduct market feasibility studies and undertake export promotion to penetrate new markets; and

Fifth: Strengthening the Franchise Development Scheme under the Ministry of Domestic Trade, Co- operatives and Consumerism in collaboration with the Malaysian Franchise Association. A sum of RM20mil is allocated for the scheme. 

GST exemption

GST exemption on petrol (RON95), diesel and LPG. GST will not be imposed on the first 300 unit of electrical bill. This means 70% of households will not pay GST on electricity usage.

Other items exempted from GST: 

i) fruits, local and imported, 

ii) white bread and wholemeal bread, 

iii) coffee powder, milk powder and coco powder, 

iv) egg noodle, rice noodle and vermicelli, 

v) 2,900 brands of medicines considered to be of national importance, including for heart disease, diabetes, hypertension, cancer and infertility, 

vi) reading material,including workbook, children's colouring books, text book, dictionary and religious texts, 

vii) newspaper

Personal income tax, GST implementation

* Income Tax: Income tax rates to be cut by one to three percentage points. Families with monthly income of less than RM4,000 will not have to pay tax

* From 2016, the corporate tax rate will be reduced by one percentage point from 25% to 24%, and for small and medium sized enterprises to 19% from 20%.

With the implementation of GST, the Government will be able to reduce the tax burden on the rakyat as follows:

First:For individuals and households for year of assessment 2015:

 i) Individual income tax rates will be reduced by 1 to 3 percentage points. With this measure, 300,000 individual taxpayers will no longer pay income tax.

 ii) Tax payers with family and income of RM4,000 per month will not have tax liability.

 iii) Individual income tax will be restructured whereby the chargeable income subject to the maximum rate will be increased from exceeding RM100,000 to exceeding RM400,000. 

The current maximum tax rate at 26% will be reduced to 24%, 24.5% and 25%.

The experience of other countries has shown that a key critical factor in the succesful implementation of GST is the level of readiness by businesses. To assist businesses, the following incentives and assistance will be provided:

i) Training grant of RM100mil provided to businesses for their employees to attend GST courses;

ii) Financial assistance amounting to RM150mil provided to SMEs for the purchase of accounting software;

ii) Accelerated Capital Allowance on purchase of ICT equipment and software; and

iv) Expenses incurred for training in accounting and ICT relating to GST will be given additional tax deduction.

* Goods and Services Tax (GST) : RON95 petrol, diesel and liquefied petroleum gas (LPG) exempted from GST.

* Revenue from GST in 2015 estimated at RM23.2 billion.

* Exemption of GST on several goods amounting to RM3.8 billion.

* Abolishment of SST will see RM13.8 billion in revenue forgone.

* Net revenue collection from GST will only amount to RM690 million.

* Establish another 20 KR1M in Peninsular Malaysia.

* Set up price watch team comprising consumer associations.

* Strengthen GST Enforcement Unit with 2,270 personnel, Price Monitoring Unit with 1,300  personnel and Consumer Squads with 202,800 volunteers as well as involve 579 mukim and village heads.

* Electricity consumption not subject to GST increased from the first 200 units to 300 units, move to benefit 70% of households.

* Income Tax: Income tax rates to be cut by one to three percentage points. Families with monthly income of less than RM4,000 will not have to pay tax

* From 2016, the corporate tax rate will be reduced by one percentage point from 25% to 24%, and for small and medium sized enterprises to 19% from 20%.

Subsidy Rationalisation

The Government had allocated RM588mil for various subsidies in 1994. This amount has increased to RM40.5bil in 2014. 

To improve the public finance position, the Government is committed to implementing subsidy rationalisation, particularly for petroleum. 

At present, the Government allocates more than RM21 billion a year to subsidise RON95 petrol, diesel and LPG cooking gas. As a result, the allocation for subsidies has increased 14 times from RM1.65 billion in 2002 to RM23.5 billion in 2013, solely to maintain the low retail petrol price. This is due to the increase in number of vehicles from 13.6 million units in 2008 to 23.7 million units in 2013. 

To ensure a more targeted subsidy and taking into account the rakyat's awareness and readiness to subsidy rationalisation, the Government will develop a new mechanism for providing petroleum subsidy.

The new mechanism will be announced soon. 

Infrastructure projects

In 2015, several infrastructure projects will be implemented:

First: Construction of the 59-km Sungai Besi – Ulu Klang Expressway (SUKE) at a total construction cost of RM5.3bil;

Second: Construction of the 276-km West Coast Expressway from Taiping to Banting at a total construction cost of RM5bil;

Third: Construction of the 47-km Damansara – Shah Alam Highway (DASH) at a total construction cost of RM4.2bil;

Fourth: Construction of the 36-km Eastern Klang Valley Expressway (EKVE) at a total construction cost of RM1.6bil;

Fifth: Upgrading the East Coast railway line along Gemas - Mentakab, Jerantut - Sungai Yu and Gua Musang - Tumpat with an allocation of RM150mil;

Sixth: Construction of the 56-km Second MRT Line from Selayang to Putrajaya at an estimated cost of RM23bil; and

Seventh: LRT 3 Project, which will link Bandar Utama to Shah Alam and Klang, at an estimated cost of RM9 billion, will be implemented.

The Pengerang Integrated Petroleum Complex project with a total investment of RM69 billion is expected to create more than 10,000 job opportunities.

Additionally, to develop the electric vehicle manufacturing industry in Malaysia, a Sustainable Mobility Fund of RM70mil will be established under SME Bank. Initially, 50 electric buses will be introduced.

Encouraging establishment of principal hub

For this the Government will continue its efforts to further increase the number of multinational companies’ global operational centres in Malaysia. In line with this, customised incentives for Principal Hubs will be introduced early next year.

Spurring Creative Industry
To develop creative industries such as animation, filming, designing and cultural heritage, the Government has allocated RM200 million to MyCreative Ventures in 2012. To further promote the industry, a Digital Content Industry Fund will be set up under the Communications and Multimedia Commission with an allocation of RM100 million.

Increasing Capacity of High-Speed Broadband

The High-Speed Broadband (HSBB) will continue to be implemented in areas of high economic impact, covering state capitals and selected major towns nationwide. A sum of RM2.7 billion will be spent over the next three years to build 1,000 new telecommunication towers and laying of under sea cables.  

Increasing equity ownership of Bumiputeras

In the context of corporate equity ownership, the Bumiputera have yet to achieve the 30% target. 

Meanwhile, their effective control over corporations is currently only around 10%. Hence, EKUINAS will be allocated RM600mil to increase bumiputera ownership in private companies and GLCs. To date, EKUINAS has cumulative investments of RM2.3bil in various sectors.

Bumiputera SMEs, among the initiatives under 2015 Budget include the following:

First: Lembaga Tabung Haji will allocate RM200mil for the establishment of the shariah-compliant Restricted Investment Account (RIA) under Bank Islam. The purpose of this account is to provide financing and credit between RM50,000 and RM1mil from January 2015; and Second: Amanah Ikhtiar Malaysia (AIM) will use internal sources of RM1.8bil for financing to benefit 346,000 Sahabat AIM.

The Government is concerned and gives importance to the development and improving the welfare of the rakyat in Sabah and Sarawak in the national development agenda.

Pan-Borneo Highway

As the North-South Highway project has transformed the development from Perlis to Johor, the Government intends to start construction of the 1,663-km Pan-Borneo Highway comprising 936 km in Sarawak and 727 km in Sabah at a total construction cost of RM27bil.

Youth and home ownership

The Government also aims to provide a comprehensive ecosystem for youth to increase their capabilities and progress in work, business and entrepreneurship as well as enjoy housing, recreational and sports facilities. For this, the Government will establish 1Malaysia Youth City with an allocation of RM100mil to fund three pilot projects in the Peninsula, Sabah and Sarawak.

Youth Housing Scheme which is a smart partnership between the Government, Bank Simpanan Nasional, Employees Provident Fund and Cagamas.

The scheme offers a funding limit for a first home not exceeding RM500,000 for married youth aged between 25 and 40 years with household income not exceeding RM10,000. The maximum loan period is 35 years.

Under the scheme, the Government will provide monthly financial assistance of RM200 to borrowers for the first two years to reduce the burden of monthly installments. The Government will also give a 50% stamp duty exemption on the instrument of transfer agreements and loan agreements.

The Government will also provide a 10% loan guarantee to enable borrowers to obtain full financing including cost of insurance. Borrowers can also withdraw from EPF Account 2 to top up their monthly installment and other related costs.

It is offered on a ‘first come first served basis’ for 20,000 units only.

* Property: Budget extends 50% stamp duty exemption for first time home buyers and increases the purchase limit from RM400,000 to RM500,000. The exemption will be given until the end of 2016.

* A 10% loan guarantee to enable borrowers to obtain full financing including cost of insurance. Borrowers can also withdraw from EPF Account 2 to top up their monthly installment and other related costs.    

* This guarantee is offered on a "first come, first served basis’ for 20,000 units only.

* Ceiling of household income for PR1MA homes increased to RM10,000, RM1.3 billion to be allocated to build 80,000 units PR1MA homes.

* Education: RM325 million to be allocated for the 1Malaysia Book Voucher Programme, benefitting about 1.3 million students.

* RM100 schooling assistance to all 5.4 million primary and secondary students to continue.

* A total of RM1.2 billion will be allocated to increase student intake in vocational colleges and community colleges as well as upgrading colleges.

* RM1.05 billion allocated to develop and maintain education facilities, and for school upgrade programmes.

* RM3 billion allocated for education sponsorship via the Public Service Dept (JPA) , Education Ministry and Health Ministry.

* RM30 millon fund set up for training and technical assistance of youth from low income Indian families.

* Health: Tax relief for medical expenses and treatment for serious illnesses such as cancer, kidney failure and heart attack increased to RM6,000 per year.

* 30 more 1Malaysia clinics and a health clinic in Cyberjaya will be built. The Government will station 30 doctors in these clinics.

* Sports: An allocation of RM103 million to implement a Sporting Nation Blueprint.

* Identify sports talent starting from primary school through Malaysian Talent Identification programme. The programme involves testing, screening and  talent specialisation among students.

* Improve the quality of high-performance sports for six selected fields in the first phase - Football, Cycling, Badminton, Sepak Takraw, Swimming and Athletics.

* Entrepreneurship: In 2015, TEKUN to provide additional funds of RM500 million, of which RM350 million allocated for Bumiputera entrepreneurs, Young Indian Entrepreneurs Financing Scheme (RM50 million), Young Professional Women Entrepreneurs Development Programme (RM50 million), and Armed Forces Veteran Entrepreneur Development Programme (RM50 million).

* Soft loans totalling RM50 million for SME entrepreneurs from Chinese community, and RM30 million for hawkers and petty traders.

* To attract more expatriate entrepreneurs establish startups in Malaysia, the paid-up capital for startups is set at RM75,000.

* Eligible expatriate startup entrepreneurs will be given work pass for one year.

* Additional allocation of RM30 million to entrepreneurs under programme Skim Usahawan Permulaan Bumiputera (Superb), with participation to be enlarged to include East Malaysian entrepreneurs.

* RM30 million to be allocated through Amanah Ikhtiar Malaysia, to inculcate the spirit of entrepreneurship among Indian women.

* BR1M for those earning RM3,000 and below will be increased to RM950 from RM650.

* For those earning RM3,000 to RM4,000, BR1M increased to RM750 (from RM450).

* For the above two categories, payment will be made in three instalments - January, May and September.

* For those aged 21 and above, with income not exceeeding RM2,000, BR1M increased to RM350 (from RM300) in one-off payment early next year.

Public transport:

To improve the public transport system, the Government will introduce the following programmes:

First: Provide intercity bus services to those residing outside Kuala Lumpur (KL) but work in KL. The service will be offered with a discounted monthly fare of 30%. For a start, three bus routes will be operational namely the Rawang-KL; Klang-KL and Seremban-KL;

Second: Provide Electric Train Service (ETS) for Ipoh-Butterworth route starting April 2015; and

Third: Upgrade stage bus services in several states through a contracting system with existing bus companies. The programme will be implemented in phases in Kuching, Ipoh, Seremban, Kuala Terengganu and Kangar.

RPGT

Currently, gains from the disposal of property under the Real Property Gains Tax Act 1976, are assessed formally.

The Government has implemented the Self-Assessment System for individual and company income tax effective from the year 2001 and 2004, respectively.

In tandem with the Government's aspiration to modernise the tax system and given that people are more responsible, it is proposed that tax on gains from the disposal of property be self-assessed by the taxpayer effective from the year 2016.

Water supply

Water supply sources will be diversified through groundwater exploration, and reuse of treated water for industries and agriculture as well as expanding the use of storm water retainer system. To address water supply shortage in the Klang Valley, the construction of Air Langat 2 Water Treatment Plant will be expedited. Costing RM3 billion, the plant will increase the supply of treated water to 1,130 million litres daily.

In addition, the Government will intensify efforts to address the problem of non-revenue water. A sum of RM112mil is allocated for setting up leakage control zones as well as detecting and repairing leaking pipes.

JPJ New car reg. no - Sept 2014

[转帖] 12个趣味经济学段子

生活中处处折射着智慧的光芒，只要我们留意去看。有些故事虽小却饱含着大道理，从下面这12个小段子中，您有什么收获？

　　

1、择偶观

美国有位经济学家发表了篇论文，从交易学角度分析择偶观。假如把男人、女人分为ABCD四种优秀程度，那现在的现状就是，A男想找B女，B男想找C女，C男找D女，所以D男就剩了。反之，女人方面却不同，即是，ABCD女都想找A男。最后结果是剩下A女和D男。经济学里有个案例：两个人在森林里遇到一只熊，那么对手不会是熊！只要比另一个人快一步就胜利。

2、博弈论与追女生

如四个男生都去追一个漂亮女生，那她一定会摆足架子，谁也不搭理。这时男生再去追别的女孩，别人也不会接受，因为没人愿当次品。但是，如果他们四个先追其她女生，那个漂亮女孩就会被孤立，这时再追她就简单多了。——数学大师纳什关于博弈论最简单表述。

3、“天下没有免费的午餐”由来

这句话最早由经济学大师弗里德曼提出来。它的本义是即使你不用付钱吃饭，可你还是要付出代价的。因为你吃这顿饭的时间，可以用来做其他事情，比如谈一笔100万的生意，你把时间用于吃这顿饭，就失去了这些本来能有的价值。这是机会成本的概念，以前你知道吗？

4、经济学笑话

课堂上，教授讲授经济学：“何谓第一产业？喂牛，养羊。何谓第二产业？杀牛，宰羊。何谓第三产业？吃牛肉，喝羊汤。”有学生问：“那么，文化产业呢？”教授眼睛一亮：“问得好！不愧是俺的好学生。”然后回答：“所谓文化产业，就是吹牛皮，出羊相！”

5、穷人税

经济学上有个说法叫“穷人税”，最典型的是买彩票的人大多都是穷人（经常买彩票的兄弟不要介意），这是他们承受能力和支付能力范围以内能够实现财富剧增的少有机会，但中奖毕竟是小概率，长期以往，细水长流，出得多，进得少，就权当缴税了。

6、帕累托分布

把全世界每个人拥有的财富从大到小排起来，一边是一个纤细但高耸入云的头，另一边是漫长的一望无际，低矮的让人绝望的尾。这样的分布在经济学里被冠名为“帕累托分布”。

7、幸福公式

经济学中有个公式：幸福=效用：期望值。如果你男友发奖金，拿到1000块，可你期望他给自己买10000块的LV包，1000除以10000，幸福感只有0.1。但如果你的期望是让男友请自己吃顿200块的西餐，1000除以200，幸福感是5。要获得爱情中的幸福，最好不要让欲望影响你的生活。

8、长线投资

一女孩拿着三角钱来到瓜园买瓜，瓜农见她钱太少，便想糊弄小姑娘离开，指着一个未长大的小瓜说：“三角钱只能买到那个小瓜”，女孩答应了，兴高采烈的把钱递给瓜农，瓜农很惊讶：“这个瓜还没熟，你要它怎么吃呢？”女孩：“交上钱这瓜就属于我了，等瓜长大熟了我再来取吧。”

9、快乐痛苦四原则

一次捡75元，和先捡50元后捡25元，选哪个？一次丢75元，和先丢50元再丢25元，选哪个？实验证明，多数人选分开捡￥75，一起丢￥75。这就是经济学的快乐痛苦四原则：①n个好消息要分开发布；②n个坏消息要一起发布；③一个大的坏消息和一个小的好消息，分别公布；④一个大的好消息和一个小的坏消息，一起公布。

10、什么是投行？

有一个投行菜鸟问：“什么是投行？”前辈拿了一些烂水果问他：“你打算怎么把这些水果卖出去？”菜鸟想了半天说：“我按照市场价打折处理掉。”这位前辈摇头，拿起一把水果刀，把烂水果去皮切块，弄个漂亮的水果拼盘：“这样，按照几十倍的价格卖掉”。

11、网聊

当你决定上网聊天，这叫创业；上来一看MM真多，这叫市场潜力大；但GG也不少，这叫竞争激烈；你决定吸引美女眼球，这叫定位；你说你又帅又有钱，这叫炒作；你问“谁想和我聊天”，这叫广告；你又问“有美女吗”，这叫市场调查；有200人同时答“我是美女”，这叫泡沫经济。

12、停车

富豪到华尔街银行借了5000元贷款，借期为两周，银行贷款须有抵押，他用停在门口的劳斯莱斯做抵押。银行职员将他的劳斯莱斯停在地下车库里，然后借给富豪5000元。两周后富豪来还钱，利息共15元，银行职员发现富豪账上有几百万，问为啥还要借钱。富豪说：15元两周的停车场，在华尔街是永远找不到的。