Lowyat.NET: Latest topics by baldi91

Nombor ekor dan cukai pendapatan

baldi91 — Fri, 25 Aug 2023 10:05:36 +0800

Jika kita menang 4D atau apa2 nombor ekor, adakah kita perlu declare dlm income tax kita? Mohon pencerahan rakyat /k

Rakyat tidak mampu, harga rumah 3x gaji tahunan

baldi91 — Mon, 09 Dec 2019 13:14:12 +0800

Rakyat tidak mampu, harga rumah tiga kali ganda gaji tahunan
By Norlaile Abd Rahman - 9 December 2019
bank-islam-house-prices
Mengikut pengiraan teknik Median Berganda pendapatan, harga rumah adalah tiga kali ganda lebih tinggi berbanding gaji tahunan. Sumber: Bank Islam
KUALA LUMPUR- Kebanyakan rakyat Malaysia tidak mampu untuk membeli kediaman sendiri kerana secara asasnya harga rumah adalah jauh melangkaui kemampuan.

Menurut Ketua Pakar Ekonomi Bank Islam, Dr. Mohd. Afzanizam Abdul Rashid, mengikut teknik pengiraan pendapatan Median Berganda (MM), harga rumah adalah tiga kali ganda gaji tahunan rakyat Malaysia.

Sebagai contoh, harga purata sebuah rumah pada suku kedua 2019 adalah RM372,126 manakala gaji purata rakyat Malaysia pada 2018 adalah RM3,087 sebulan.

MGF05122019_BankIslam_04
Ketua Pakar Ekonomi Bank Islam Malaysia Berhad, Dr. Mohd Afzanizam Abdul Rashid foto NOOR ASREKUZAIREY SALIM, 05 DISEMBER 2019
Dengan itu mengikut teknik pengiraan MM, harga rumah yang mampu dimiliki untuk golongan bujang adalah RM111,132 dan RM222,264 untuk berdua (kongsi pinjaman).

Di Kuala Lumpur purata harga rumah pada suku kedua 2019 adalah RM750,000 dengan purata gaji RM4,336 sebulan pada 2018

Dengan itu, rumah yang mampu dimiliki oleh seorang individu bujang di Kuala Lumpur adalah berharga RM156,096.

Sedangkan sukar untuk mendapatkan sebuah rumah pada harga sedemikian di bandar raya ini.

Jelas Afzanizam, pengguna seharusnya membuat pernilaian mendalam sebelum memutuskan untuk membeli kediaman sendiri dan memastikan ianya tidak akan menyebabkan isu dalam pengurusan kewangan individu.

“Pada pendapat saya, pemaju perumahan mempunyai kedudukan kewangan yang kukuh dan mereka mampu untuk mengekalkan harga.

“Jadi, pembelian rumah ini adalah satu proses yang panjang, perlu ada celik kewangan dan cuba untuk menambah simpanan tunai dengan tidak berbelanja sesuka hati.

“Jangan mengharap yang anda mampu membeli rumah selepas tiga tahun menamatkan pengajian, contohnya. Ia akan mengambil masa.

“Apa yang penting adalah sentiasa menilai kemampuan kewangan, sama ada anda mampu memiliki sendiri kediaman atau hanya perlu menyewa,” katanya kepada MalaysiaGazette di sini.

Menurut Afzanizam, menyewa rumah juga merupakan salah satu opsyen yang boleh diberi pertimbangan oleh rakyat Malaysia.

Katanya, kaedah tersebut memberi lebih kebebasan kepada pengguna tanpa perlu terikat dengan banyak komitmen kewangan.

“Menyewa memberi lebih banyak fleksibiliti. Jika anda tidak suka rumah atau kawasan tersebut, anda boleh pindah.

“Boleh dikatakan, menyewa lebih bebas berbanding dengan memiliki kediaman sendiri kerana anda akan terikat dengan gadai janji jika mahu membeli rumah,” katanya lagi.

Mengulas lanjut, isu lebihan bekalan hartanah dan ketidakupayaan rakyat Malaysia untuk memiliki kediaman sendiri menurut Afzanizam memerlukan masa yang panjang untuk diselesaikan kerana ia melibatkan terlalu banyak pihak. – MalaysiaGazette

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Malaysia's shrinking families

baldi91 — Sun, 10 Nov 2019 13:30:30 +0800

MALAYSIA’S fertility rate is at an all-time low.

And it’s expected to dip even lower in future, says the Women, Family and Community Development Ministry.

image: https://public.flourish.rocks/resources/bosh.svg

Flourish logoA Flourish data visualisation

From 4.9 babies per woman in 1970, the rate dropped to 1.9 in 2017 and 1.8 in 2018, according to the latest data by the Department of Statistics Malaysia.

More women also do not have any children, with 8.6% in the reproductive age group (15 to 49) having zero kids, based on a 2014 survey.

"By now, this rate could be around 10%,” the ministry tells Sunday Star.

The low fertility rate is mainly due to couples marrying later in life, and the rising cost of living, especially when it comes to the cost of raising kids.

Younger Malaysians are also increasingly open to the idea of being child-free, choosing not to have any children at all.

But the desire for children is still high across generations, says the ministry via its National Population and Family Development Board (LPPKN).

“Traditional family values on marriage, eldercare, and children among Malaysians across generations are still relatively intact and strong.

“Malaysians generally want to get married, have strong feelings of responsibility towards taking care of elders, and believe that having children is a positive thing,” the ministry says.

Such values are also ingrained in Malaysian millennials born between 1980 and 2000, despite many saying they don’t mind being child-free.

“This shows that family values in 2030 will likely echo those of today.

“As such, the family type landscape in 2030 will likely be very similar to the present,” the ministry says.

Quoting a study, the ministry says millennials are more open to the idea of not having children, with the younger ones even more open.

This is due to a shift in priorities, with career and personal achievements being their primary drive.

These findings are from a study titled “A Review of The National Population Policy: Strategic Action Plan for Sustainable Development towards 2030.”

It reveals that 51% of single youths aged 29 and below are either neutral about or agree with the increasing number of couples who decide to be child-free.

However, most or 57% of married youths in the same age group disagree with the trend.

“Given that the desire for children is still high across generations, the key takeaway here is to ensure that youths are able to meet their career and personal aspirations first.

“Following that, then they are able to meet their aspirations for children,” the ministry says.

READ ALSO: With or without kids, it's getting harder to start a family

Fertility rate to drop further

Despite the relatively high desire for children, the ministry expects the total fertility rate (TFR) to keep falling.

TFR is the average number of babies born per woman throughout her reproductive life.

Since 2013, the rate hasn't been enough to replace an individual woman and her partner in our population.

This happens when the TFR is below the replacement level of 2.1.

It's mainly because of the changing status of women, says the ministry.

Women have outnumbered men in furthering studies to college or university, leading to higher participation in the workforce.

image: https://public.flourish.rocks/resources/bosh.svg

Flourish logoA Flourish data visualisation

“From a participation rate of 46.1% in 2011, it increased to 55.2% in 2018.

“Educational and job opportunities have led women to delay their marriage,” the ministry says, adding that the average age at first marriage among women was 26 in 2010.

Late marriage results in delayed child-bearing for women and a shorter reproductive period.

On top of that, tight finances hinder couples from having more children.

Some 65% of married Malaysians would want more children if finance weren't an issue, according to LPPKN’s Fifth Malaysia Population and Family Survey in 2014.

“About 36% of women and 18% of men cited difficulty in finding a compatible partner as the reason they are not married,” the ministry notes.

Nevertheless, steps are being taken to encourage Malaysians to have kids.

The Budget 2020 allows couples to withdraw from their Employees Provident Fund (EPF) savings to pay for in-vitro fertilisation (IVF) treatments.

Income tax relief of up to RM6,000 to treat serious illnesses will also be expanded to include fertility treatment.

Quality over quantity

Calling the low TFR a significant concern, Obstetrical and Gynaecological Society of Malaysia president Dr Harris Njoo Suharjono says couples generally opt to have fewer kids.

“This is primarily due to the financial impact of raising kids. Couples choose quality above quantity,” he explains.

Infertility among couples is also another factor, as couples delay starting a family, he adds.

“This could be due to various reasons such as the pursuit of higher education, careers, stress, or simply because they aren't having enough sex!”

With such delays, a woman's fertility gradually decreases after 35 years of age while sperm quality among men appear to be deteriorating in general, Dr Harris says, applauding the government’s move to allow EPF withdrawals for IVF.

“The number of couples who suffer from subfertility (reduced fertility) is rising. Many cannot afford treatments, even with subsidised costs in government facilities,” he adds.

He suggests that the government consider providing free IVF treatment for couples in the low income group who do not have EPF savings.

Datuk Dr NKS Tharmaseelan, professor of obstetrics and gynaecology at Melaka-Manipal Medical College, says the falling TFR is a global phenomenon.

“In the United States, the rate dipped to an all-time low in 2018, down 2% from 2017. American women are now predicted to have an average of 1.7 children over their lifetime,” he says.

But while Malaysia’s TFR is now 1.8, it does not mean the population is shrinking. It's just growing at a slower rate, Prof Tharmaseelan says.

The falling fertility rate is also associated with economic development leading to better opportunities and quality of life for many citizens.

“As the economy grows, so will the standard and the cost of living. Thus, one would probably consider all these factors before starting a family,” he says.

Expectations are also higher, with parents considering funds for tuition, piano lessons and others.

“So many lament the difficulties in raising kids. Thus, limiting fertility is usually self-imposed,” he adds.

Lauding the government’s initiatives to boost the TFR, Prof Tharmaseelan says the government should take a holistic approach to health.

“Infertility can place untold mental stress on couples, and as a result, may require counselling,” he says.

Read more at https://www.thestar.com.my/news/nation/2019...ZLSwAjRfXeyF.99

Why many people take personal loan ?

baldi91 — Sun, 20 Oct 2019 19:18:37 +0800

Some, if not most, of my colleagues take personal loan. I don't get it why? I'd like to know your reasonable reason to take pl.

195/60R16 car tyre recommendation

baldi91 — Wed, 27 Mar 2019 14:46:18 +0800

Anyone has any tyre brand suggestion for 195/60R16 size? Thanks.

195/60R16 recommendation

baldi91 — Wed, 27 Mar 2019 14:18:19 +0800

Anyone can recommend me good tyre for that size? Currently using bridgestone ecopia 150 but seems like it botak very cepat to my taste.

Pinjman perumahan kakitangan awam

baldi91 — Sat, 20 Oct 2018 13:43:36 +0800

Greetings all.
Is it possible to take pinjaman kerajaan for buying house just to buy my parents house? What about somebody like my uncle's house+land?
Or i can't because we are related to one another?

Appreciate any kind advice and info from you guys who worked in the government.

Bursa Malaysia hits 17-month low

baldi91 — Thu, 21 Jun 2018 13:48:09 +0800

Bursa Malaysia hits 17-month low, extends losing streak to nine days dragged by PNB key stocks.

JUNE 21, 2018 @ 1:36PM
BY AMIR HISYAM RASID
KUALA LUMPUR: Bursa Malaysia key index, FTSE Bursa Malaysia KLCI hit the lowest level since February 8 last year before lunch break, mainly dragged by Permodalan Nasional Bhd’s key stocks.

Average daily trading value was also the lowest at RM1.07 billion since February 15, this year.

FBMKLCI extends its losing streak to nine days as it settled at 1,691.26 points, 18.49 points or 1.08 per cent lower than yesterday’s close.

PNB’s Telekom Malaysia Bhd is the biggest loser at the break, falling 10.74 per cent from yesterday’s close. This is followed by Hong Leong Bank Bhd (4.33 per cent), Hong Leong Financial Group (3.93 per cent) and Petronas Dagangan Bhd (3.46 per cent).

PNB’s other key stocks also bleed red ink with Sime Darby Plantation Bhd dropping 2.02 per cent, Sime Darby Bhd losing 2.02 per cent and Tenaga Nasional Bhd falling 2.38 per cent.

Meanwhile, ringgit dropped 0.17 per cent to RM4.0122, its lowest level since January 10 this year.

https://www.nst.com.my/node/382347/amp

Seems like a bad year for PNB product (ASB/ASW2020 etc.)

Getting a term life insurance as Gov worker

baldi91 — Fri, 01 Jun 2018 09:10:00 +0800

Hello everyone.

As a government worker, is there any good reason to take term life insurance if we took pension scheme with relatively stable emergency funds+ enough money invested (Now and future)?

Medical card/insurance to me isn't that necessary as gov worker has benefits going to gov hospital. In the event of disastrous medical problem, i have emergency fund and invested money to cover + pension to get by.

Wife is also gov worker with pension scheme. No worries for her financially. Children can inherit pension if im dead.

Any opinion/advice on what i may have missed out is very much appreciated

Bonus for civil servants this raya

baldi91 — Mon, 28 May 2018 19:31:04 +0800

https://www.google.com/amp/www.astroawani.c...-176723%3famp=1

PETALING JAYA: : Perdana Menteri Tun Dr Mahathir Mohamad hari ini memaklumkan bahawa kakitangan awam akan diberi bonus sempena hari raya Aidilfitri tahun ini.

Bagaimanapun katanya, jumlah bonus berkenaan belum dapat dipastikan lagi.

Beliau berkata demikian dalam sidang media selepas mempengerusikan Mesyuarat Majlis Pimpinan Tertinggi (MPT) Parti Pribumi Bersatu Malaysia (PPBM) yang turut dihadiri oleh Pengerusi PPBM, Tan Sri Muhyiddin Yassin.

Would the current decline in BURSA n affects ASNB?

baldi91 — Sat, 26 May 2018 13:26:36 +0800

As per the title of the topic. Please enlighten us guys!

Kenaikan gaji tahunan penjawat awam ditentukan sem

baldi91 — Tue, 22 May 2018 16:53:07 +0800

https://www.bharian.com.my/berita/nasional/...tentukan-semula

PUTRAJAYA: Status Kenaikan Gaji Tahunan (KGT) bagi semua penjawat awam berkuat kuasa 1 Julai ini akan ditentukan semula kerajaan baharu nanti.

Ketua Setiausaha Negara, Tan Sri Dr Ali Hamsa, berkata pengumuman kenaikan KGT pada 1 Julai itu dilakukan kerajaan terdahulu dan kini terpulang kepada kerajaan baharu sama ada mahu melaksanakannya atau sebaliknya.

"KGT itu adalah janji (kerajaan) dahulu, sekarang kita serah kerajaan baru untuk tentukan. Kita ikut manifesto kerajaan sekarang.

"Jadi, esok ada mesyuarat Kabinet, kita tunggu, mungkin perkara ini akan diputuskan kemudian," katanya kepada pemberita selepas mengadakan pertemuan dengan Perdana Menteri, Tun Dr Mahathir Mohamad, di Yayasan Kepimpinan Perdana di sini, hari ini.

Pada Majlis Amanat Perdana Perkhidmatan Awam (MAPPA) kali ke-16 pada 4 April lalu, bekas Perdana Menteri, Datuk Seri Najib Razak, berkata kerajaan bersetuju memberikan kenaikan gaji bersamaan satu KGT kepada semua penjawat awam berkuat kuasa 1 Julai 2018.

"Ini bermakna penjawat awam mendapat tambahan satu lagi KGT disamping gaji tahunan yang diterima bagi tahun 2018," katanya.

Terdahulu, Ali tiba di Yayasan Kepimpinan Perdana di sini pada jam 2.25 petang sebelum meluangkan masa lebih satu jam bertemu Perdana Menteri.

"Pertemuan hari ini adalah rutin harian sahaja," katanya.

Kenaikan gaji khas this coming july

baldi91 — Mon, 21 May 2018 08:56:00 +0800

For gov workers, any news regarding kenaikan gaji khas this coming july?

Contributing to EPF after taking pension scheme

baldi91 — Sun, 25 Mar 2018 09:34:42 +0800

Hello everyone.

I want to know whether it is possible to personally save some money in EPF after taking government pension scheme? This is specifically for government servants. And if possible, can i claim tax relief from that?

Thanks in advance for the advices.

Commit to maximizing ASB or buy house?

baldi91 — Sun, 04 Feb 2018 21:17:21 +0800

Let's say I already saved enough money for emergency, should i focus on maximizing my ASB or buy house? Or both?

1 week late repayment car

baldi91 — Tue, 26 Dec 2017 07:08:52 +0800

Hi all.

Let's say my due date for car financing is on 20th of December but i only get to pay it on 25th, do i get extra charges due to late repayment?

Thanks in advance to those who reply.

Need Advice> Standing Instruction & Savings

baldi91 — Sun, 11 Jun 2017 11:12:21 +0800

Greetings sifus,
I need some advice on using standing instruction to transfer money from my salary account bank to my other (emergency saving) account through IBG monthly. Is it ok for me to do that? Coz i'm lazy to go to cash deposit and transfer my money from one bank to another every month. ( I like having another separate account for savings )
I'm asking this because i'm new to personal finance and don't want to make avoidable mistake. Thanks in advance!

Putting money in ASB as emergency funds

baldi91 — Thu, 01 Jun 2017 11:13:25 +0800

Hi all sifus,

I'm new to this forum, sorry if I dont follow any rules currently in effect here. I just want to ask your opinion. Is it ok to start putting my emergency savings into ASB? Currently i have 3k as ES in bank and i'm planning to put 1k every month into my ES. So i was thinking, why not put it in ASB instead of any saving axcount?

Please enlighten me sifus.