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My Investing Strategy for 2012 [ February 5th, 2012 ] | 165 views | Leave a Comment

Although the market outlook is uncertain due to the European debt crisis but I will also plan to make minimal stock investments. I will only invest my savings in high yield dividend stocks when the market plunges. I think property is the best hedge against inflation. Therefore, I will invest in a medium cost apartment soon. Besides, gold is another option to preserve our money and diversify our portfolio. It would be great if you can plan to allocate some funds for gold of 20g to 50g.

investing strategy

My recent strategy is to invest for income and capital preservation in view of the market volatility. For my unit trust investment, I will try to diversify by allocating one third of my portfolio into medium term aggressive fund. Meanwhile, for my stock portfolio, I will try to minimize my risk by investing in defensive counters which also provide dividends consistently.

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Is It Possible to Use AdSense and InfoLinks at Same Page?

Do you think can we use Google AdSense and InfoLinks on the same page? Will it against Google terms of service? As I known, InfoLinks provide in-text advertisement which you may see that some terms in the text are hyperlinked to the advertiser’s website.

Based on the Google terms of service, it is possible to place your Google ads with other ads on the same page with the condition that your non-Google ads formatting or colors are different Google ads. In the other words, you need to make sure that it should always be clear to the user that the ads are served by different advertising networks.

So, you now can monetize your website with in text ads together with Google AdSense ads with no worries. Google does not have anything against in-text ads. The in text ads that I recommended to use is Infolinks since it is widely used by many publishers to create a stream of revenue to supplement Adsense.

Here’s an example how the Infolinks shows on my site:

InfoLinks

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April 30th, 2010 | Posted in » Google, Internet Advertising, Make Money Online | 5 Comments | 2,805 views

Individual Income Tax Relief for Assessment Year 2010

Many people still do not know clearly about the income tax for the assessment year 2009. Some of them was asking that why personal relief did not increased from RM8,000 to RM9,000 which is under Budget 2010.

LHDN Malaysia

Besides that, most of the people will confuse and asked why we do not have tax relief for the Internet broadband subscription, which was announced by our government in the beginning of the year under Budget 2010.

To make the clarification, I would like to re-emphasize that those relief supposed to be given for the year of assessment 2010. In the other words, LHDN Malaysia will have some changes on personal income tax for next year income tax filing. It concludes that our government is actually working towards recovery of our country economic by reducing the tax rates. This is also welcome message to Malaysian as we are facing a tough time following the economic downturn in year 2008.

Income Tax For the Year of Assessment 2010

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April 26th, 2010 | Posted in » Income Tax | 12 Comments | 16,048 views

Getting Your Own Casino Tax Rebates

Have you won any US casino game and then realized that what you get to keep is less than you won? This is because the casinos are required to withhold a 30% gambling winnings tax on certain gambling winnings.

casino Chips

A great number of people do not realize that they may be entitled to casino tax rebate when they gambled at US casino. This gambling tax refunds will only be given to those who are not citizens of the United States. They have to prove that they are resident from other country or as a tourist in order to get the gambling tax refunds of the winning money at casino. I am sure this service can be very attractive for many international gamblers across the world.

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April 24th, 2010 | Posted in » Other | Leave a Comment | 3,154 views

Calculate Your Income Tax For the Year of Assessment 2009

The last day to submit individual income tax is 30th April 2010 and it’s advisable to use e-Filling system to submit your e-BE form so the IRB of Malaysia will not chase you after that due to late submission.

e-Be form

income_tax_2009

Make sure that you read all the income tax FAQ and help before filling the form so that you are not getting into trouble with the income tax laws.

I noticed that still many people do not know why we need to pay income tax. Almost everyone who has to pay income tax is reluctant to pay it. We pay income tax is to allow our government to make use of our money to build the schools and public hospitals, public library, sidewalks, and other infrastructure, which are important to each one of us.

How To Calculate Income Tax Malaysia ?

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April 23rd, 2010 | Posted in » Finance Tips, Income Tax | 6 Comments | 16,125 views

Building Business of Manufacturing in Mexico

The reason why Mexico manufacturers ranked high in the world economy is because they are well known in manufacturing. Mexico manufacturers produce both domestic and international products. Based on the historical record, quite a great number of manufacturers started their manufacturing in Mexico with very basic assembly operations but turned out into successful companies.

Mexico manufacturing

Personally think that Mexico manufacturers are as good as China manufacturers and you can find many skillful employees there. The impact of Mexico manufacturers on US economy is similar to the impact of China manufacturers to the Asian economy. But, they also had its toughest time during year 2001 to 2003 because of the slowdown in the economy of U.S and the impact of China as a competitor of low cost manufacturing.

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April 21st, 2010 | Posted in » Other | 2 Comments | 2,344 views

Is It Good to Raise Cost of Employing Foreign Workers?

Do you think is it good to raising the foreign worker levy in order to limit the amount of foreign workers in our country? Or do you think it’s better to implement a minimum wage for local workers in Malaysia. I think that we should not allow the higher cost of employing a maid affect our mindset but we should know what the current social problem is exactly.

foreign workers levy

Let’s us think about the past, we don’t need maids as much as today, this is because it’s possible to survive on the salary of just the man, the woman can look after the kids. Rental fees, monthly housing installment and food were cheap. Nowadays both parents have to work to pay the 30 years housing loan, so a maid is often a necessity.

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April 20th, 2010 | Posted in » Economic Analysis | 2 Comments | 3,117 views

Open Maybank Current Account

Most of the businessman more prefers to open Current Account to pay for their loans, and bills as this will bring more convenient for them. However, most of them may face the problem of finding “Introducer” who is an existing current account holder. The Introducer must opened more than 1 year current account and need to maintained good record. Another tips is go to your introducer branch to open your current account, you will get faster respond.

maybank current account

As I know, a lot of bank in Malaysia required all original Identity card, driving license, utility bills, letter pf employment in order to avoid fraudster nowadays. So, it is better get everything ready to avoid any hassle. And, it will allow those who age 18 and above to open current account.

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April 16th, 2010 | Posted in » Bank & Investment | 3 Comments | 5,379 views