Pages

Share This

Showing posts with label Lifestyle. Show all posts
Showing posts with label Lifestyle. Show all posts

Wednesday, April 28, 2021

Digital way to declare and pay income tax

e-Filing counter facilities are no longer available since last year following the new norm SOP.


 LET’S Click HASiL is a convenient programme for taxpayers to declare their income and pay taxes to the the Inland Revenue Board (IRB).

What is Let’s Click HASiL

Let’s Click HASiL enables taxpayers to submit their income tax return or make payment through the convenience of the easy, accurate and secure MyTax app.

MyTax is the primary access to ezHASiL services such as e-Filing, e-Register, ByrHASiL and other services accessible to all taxpayers with a single sign-on.

Taxpayers can file their return form electronically while ensuring the details are accurate.

Additionally, the programme also provides advice to taxpayers through virtual briefings held in accordance with new norm SOP set by the government.

Submission deadline

The Let’s Click HASiL programme runs from March 1 to June 30,2021.

For individuals without business income, they have until April 30 to submit their BE Form.

People who receive income from business have until June 30 to submit their B Form.

However, e-BE submission via e-Filing allows taxpayers to submit the form by May 15 – an extended period compared to paper submission by April 30, while the deadline for e-B is July 15.

 

Tax refund

For individuals without business income, their employer would have made monthly tax deduction off the monthly salary, reducing the burden of employees as they don’t have to pay a lump sum for their annual income tax.

You are eligible to receive a tax refund if you have paid excess monthly tax deduction than the actual tax levied. The income tax imposed can be reduced through tax reliefs and tax rebates.

The e-Filing service gives taxpayers the advantage of receiving their tax refunds within 30 working days as opposed to 90 days for form submissions by post or hand delivery.

ezHASiL simplified taxation

ezHASiL enables taxpayers to manage their taxation online through e-Filing, e-Register, e-Update, e-Ledger and ByrHASiL without having to visit IRB branches physically.

e-Filing counter facilities are no longer available since last year following the new norm SOP.

The e-Filing system can be accessed via the IRB’s official website at www.hasil.gov.my > MyTax > ezHasil Services > e-Filing.

First-time users are required to obtain the PIN number by filling in the feedback form on the website.

Once you have the PIN number, you can start your e-Filing, make payments using ByrHASiL, access payment review through e-Ledger or update personal details via e-Update.

Declare and pay your income tax at mytax.hasil.gov.my. Let us all do our part to ensure prosperity for the country.

Inquiries can be made through the Customer Feedback Form or call the HASiL Care Line (03-8911 1000). Visit www.hasil.gov.my for further information.

Source link

Related:

Taxpayers under amnesty programme still need to meet cobditions says LHDN 

LHDN: No audit on those under SVDP amnesty but they must fellow guidelines 

Groups_ Stick to promise and not penalise taxpayers _ The Star

Saturday, May 18, 2019

How to make living more affordable?


IN my previous article I asked the question, Do you earn enough to sustain your lifestyle?

The feedback received was consistent. People told me that they worry about the situation, some even wrote in to share their concern.

A reader by the name of Yap wrote me an email about his observation after reading my article.

“I always doubt how a family with a median household income can survive in KL. Based on my calculation, there is no way a family with two children can survive in KL with RM6,275 without accumulating bad debt or spending 4.5 hours to travel on the road. Housing is one of the factors, but not the only one,” he wrote in his email.

Belanjawanku, an expenditure guide launched by the Employees Provident Fund (EPF) in early March states that a married couple with two children spend about RM6,620 per month on food, transport, housing, childcare, utilities, healthcare, etc.

However, the median household income for Malaysians in 2016 was RM5,228. While the median income of M40 group (Middle 40%) was RM6,275, which means five out of 10 households in this category received RM6,275 per month or less. This is far below the RM6,620 required for a family with two children to stay in the Klang Valley.

Another alarming fact is... Belanjawanku compiles only core living expenses without including long-term financial planning tools such as education funds or investments. The actual budget constraint can be more severe if we take them into account.

The living cost in major cities is inevitably higher than in small towns or suburb areas.

As such, when we discuss housing affordability in the cities such as Kuala Lumpur and the Klang Valley, we shouldn’t impose the same benchmark of RM300,000 as everything else is more expensive in the city. Affordable housing should benchmark against the cost of living of the area.

Based on the research for Belanjawanku, even if housing was provided for free, a household of four would still need RM5,750 to sustain their lifestyle.

The transportation cost alone is RM1,040 for a family, higher than the RM870 allocated for housing.

Therefore, if a family is looking to lower their cost of living, moving to suburb areas would allow them to have a more affordable budget.

According to a news report which quoted information from brickz.my, the housing prices in KL are five times higher than in Seremban, with median housing price of RM1mil (RM940 psf) in the KL city centre, versus RM200,000 (RM210 psf) in Seremban.

Suburbs which are nearer to KL such as Klang and Shah Alam also offer attractive housing prices with a median price of RM340,000.

For families who stay in the city centre and plan to reduce their cost of living, they can consider moving to suburbs to enjoy a better quality of life, and leverage on the improved public transportation which offer hassle-free travelling from suburbs to city centre.

Although high living cost is a concern for many Malaysians, KL is ironically found to be the cheapest city to live out of the 11 major cities in Asia, according to the 2018 Wealth Report Asia.

We are “cheaper” or ranked lower than our neighbouring cities, including Bangkok, Manila and Jakarta. KL, Manila, and Jakarta are also the most price competitive cities when it comes to the residential properties segment.

Why are we still facing the challenge of high living costs despite being the “cheapest” city in the region? The underlying factor is because of the low household income earned by most Malaysians, as the previous government failed to transit us to a higher income nation.

In his email, Yap mentioned that “I always imagine what Malaysia can be if there were no leakages. Hundreds of billions could be spent to stimulate various industries. Our GDP per capita could be close to if not similar to Singapore’s”.

That is the vision and sentiment shared by a majority of Malaysians. With the new government that promises to be more transparent and efficient, we hope that one day, we can afford to live comfortably in any city we wish to, with a higher household income.

Datuk Alan Tong has over 50 years of experience in property development. He was the World President of FIABCI International for 2005/2006 and awarded the Property Man of the Year 2010 at FIABCI Malaysia Property Award. He is also the group chairman of Bukit Kiara Properties. For feedback, please email bkp@bukitkiara.com

Source link   


Related posts:

Do you earn enough to sustain your lifestyle?

Read more ..

Property crowdfunding kicks off - Business News



https://youtu.be/9UHUdhaPUzc
https://youtu.be/dACvYWheonI
https://youtu.be/CF8VnDwc1gk

How to make living more affordable?

IN my previous article I asked the question, Do you earn enough to sustain your lifestyle?

The feedback received was consistent. People told me that they worry about the situation, some even wrote in to share their concern.

A reader by the name of Yap wrote me an email about his observation after reading my article.

“I always doubt how a family with a median household income can survive in KL. Based on my calculation, there is no way a family with two children can survive in KL with RM6,275 without accumulating bad debt or spending 4.5 hours to travel on the road. Housing is one of the factors, but not the only one,” he wrote in his email.

Belanjawanku, an expenditure guide launched by the Employees Provident Fund (EPF) in early March states that a married couple with two children spend about RM6,620 per month on food, transport, housing, childcare, utilities, healthcare, etc.

However, the median household income for Malaysians in 2016 was RM5,228. While the median income of M40 group (Middle 40%) was RM6,275, which means five out of 10 households in this category received RM6,275 per month or less. This is far below the RM6,620 required for a family with two children to stay in the Klang Valley.

Another alarming fact is... Belanjawanku compiles only core living expenses without including long-term financial planning tools such as education funds or investments. The actual budget constraint can be more severe if we take them into account.

The living cost in major cities is inevitably higher than in small towns or suburb areas.

As such, when we discuss housing affordability in the cities such as Kuala Lumpur and the Klang Valley, we shouldn’t impose the same benchmark of RM300,000 as everything else is more expensive in the city. Affordable housing should benchmark against the cost of living of the area.

Based on the research for Belanjawanku, even if housing was provided for free, a household of four would still need RM5,750 to sustain their lifestyle.

The transportation cost alone is RM1,040 for a family, higher than the RM870 allocated for housing.

Therefore, if a family is looking to lower their cost of living, moving to suburb areas would allow them to have a more affordable budget.

According to a news report which quoted information from brickz.my, the housing prices in KL are five times higher than in Seremban, with median housing price of RM1mil (RM940 psf) in the KL city centre, versus RM200,000 (RM210 psf) in Seremban.

Suburbs which are nearer to KL such as Klang and Shah Alam also offer attractive housing prices with a median price of RM340,000.

For families who stay in the city centre and plan to reduce their cost of living, they can consider moving to suburbs to enjoy a better quality of life, and leverage on the improved public transportation which offer hassle-free travelling from suburbs to city centre.

Although high living cost is a concern for many Malaysians, KL is ironically found to be the cheapest city to live out of the 11 major cities in Asia, according to the 2018 Wealth Report Asia.

We are “cheaper” or ranked lower than our neighbouring cities, including Bangkok, Manila and Jakarta. KL, Manila, and Jakarta are also the most price competitive cities when it comes to the residential properties segment.

Why are we still facing the challenge of high living costs despite being the “cheapest” city in the region? The underlying factor is because of the low household income earned by most Malaysians, as the previous government failed to transit us to a higher income nation.

In his email, Yap mentioned that “I always imagine what Malaysia can be if there were no leakages. Hundreds of billions could be spent to stimulate various industries. Our GDP per capita could be close to if not similar to Singapore’s”.

That is the vision and sentiment shared by a majority of Malaysians. With the new government that promises to be more transparent and efficient, we hope that one day, we can afford to live comfortably in any city we wish to, with a higher household income.

from Datuk Alan Tong, who has over 50 years of experience in property development. He was the World President of FIABCI International for 2005/2006 and awarded the Property Man of the Year 2010 at FIABCI Malaysia Property Award. He is also the group chairman of Bukit Kiara Properties. For feedback, please email bkp@bukitkiara.com

Source link   


Related posts:

Do you earn enough to sustain your lifestyle?

Read more ..

Property crowdfunding kicks off - Business News



https://youtu.be/9UHUdhaPUzc
https://youtu.be/dACvYWheonI
https://youtu.be/CF8VnDwc1gk

Saturday, April 20, 2019

Do you earn enough to sustain your lifestyle?


DO you know how much you need to sustain your lifestyle every month? Are you living within your budget or stretching to make ends meet?

We can now gain insights with the unveiling of Belanjawanku, an Expenditure Guide for Malaysian Individuals and Families, launched by the Employees Provident Fund (EPF) in early March.

The guide offers an idea of the living costs for respective household categories. It encompasses the expenditure on basic needs and involvement in society for a reasonable standard of living in the Klang Valley.

According to Belanjawanku, a married couple with two children spend about RM6,620 per month on food, transport, housing, childcare, utilities, healthcare, personal care, annual expenses, savings, social participation and discretionary expenses.

When I read this guide together with the income statistics published by the Statistics Department, it reveals that a vast majority of Malaysians can’t afford to live in the Klang Valley.

Based on the statistics, the median household income for Malaysian households in 2016 is RM5,228, far below the RM6,620 required for a family with two children to stay in the Klang Valley.

If we take a closer look, the median income of M40 group (Middle 40%) is RM6,275, which means five out of 10 households in this category received RM6,275 per month or less. This indicates that over 60% (40% from B40 households and half of the M40 households) of Malaysian households (if they have two children) can’t afford to stay in the Klang Valley.

What went wrong in the process? Why are many households having challenges to meet the required budget?

According to Belanjawanku, a married couple with two children spent the majority of their income on food (RM1,550), followed by childcare (RM1,150) and transport (RM1,040), then only on housing (RM870) and other items.

Based on the research, even if housing was provided for free, a household of four would still need RM5,750 to sustain their lifestyle. Therefore, the common perception that only housing is expensive is not right. It is not that housing is expensive, but that everything is expensive because of inflation over the years! The value of our currency has fallen due to global money printing measures over the past decade.

Belanjawanku compiles only core living expenses without luxury items or excessive spending. It also doesn’t include long-term financial planning tools such as funds for education or investments. If the majority of Malaysian households have challenges in meeting the existing expenses listed in the guide, it poses a serious concern on their future financial prospects.

The underlying factor of this challenge is the low household income earned by Malaysians. The previous government failed to move us to a high income nation as they had promised, and more families are stretching to make ends meet now. It may lead to serious financial problems in the future.

If median household incomes don’t increase, the B40 (Bottom 40%) and half of the M40 will always struggle even if housing is free, assuming that they aspire to have two children and to live in the Klang Valley.

According to Transparency International Malaysia, corruption had cost our country about 4% of its gross domestic product (GDP) value each year since 2013. Added together, this amounts to a high figure of some RM212.3bil since 2013. For 2017 alone, that figure was a whopping RM46.9bil!

Imagine what we can do with these monies if there was no leakage in the system? The previous government should have channeled the money to stimulate economic growth and increase the income of the rakyat.

Going forward, I am optimistic that the new government, with its promise of a clean and transparent government, can finally fix the leakage and focus on generating a higher income level for all Malaysian households.

Financial independence is a key factor in the overall well being of the rakyat. We need to increase household incomes to a level where families can meet their basic needs and embark on long-term financial planning, to elevate their quality of life.

Then, and only then, will housing and other living expenses finally become affordable.

By Food for thought By Alan Tong

Datuk Alan Tong has over 50 years of experience in property development. He is the group chairman of Bukit Kiara Properties. For feedback, email bkp@bukitkiara.com


 
Related posts:

Five challenges young Malaysians face with home ownership


For many young Malaysians, the road to owning a home is riddled with speed bumps. — Pexels 

Middle class malady

Struggling and frustrated: Most aid goes to the B40, leaving the M40 feeling adrift and on their own

Housing affordability is an income issue, what's with the fuss?


Moving forward with affordable housing


Do you earn enough to sustain your lifestyle?


DO you know how much you need to sustain your lifestyle every month? Are you living within your budget or stretching to make ends meet?

We can now gain insights with the unveiling of Belanjawanku, an Expenditure Guide for Malaysian Individuals and Families, launched by the Employees Provident Fund (EPF) in early March.

The guide offers an idea of the living costs for respective household categories. It encompasses the expenditure on basic needs and involvement in society for a reasonable standard of living in the Klang Valley.

According to Belanjawanku, a married couple with two children spend about RM6,620 per month on food, transport, housing, childcare, utilities, healthcare, personal care, annual expenses, savings, social participation and discretionary expenses.

When I read this guide together with the income statistics published by the Statistics Department, it reveals that a vast majority of Malaysians can’t afford to live in the Klang Valley.

Based on the statistics, the median household income for Malaysian households in 2016 is RM5,228, far below the RM6,620 required for a family with two children to stay in the Klang Valley.

If we take a closer look, the median income of M40 group (Middle 40%) is RM6,275, which means five out of 10 households in this category received RM6,275 per month or less. This indicates that over 60% (40% from B40 households and half of the M40 households) of Malaysian households (if they have two children) can’t afford to stay in the Klang Valley.

What went wrong in the process? Why are many households having challenges to meet the required budget?

According to Belanjawanku, a married couple with two children spent the majority of their income on food (RM1,550), followed by childcare (RM1,150) and transport (RM1,040), then only on housing (RM870) and other items.

Based on the research, even if housing was provided for free, a household of four would still need RM5,750 to sustain their lifestyle. Therefore, the common perception that only housing is expensive is not right. It is not that housing is expensive, but that everything is expensive because of inflation over the years! The value of our currency has fallen due to global money printing measures over the past decade.

Belanjawanku compiles only core living expenses without luxury items or excessive spending. It also doesn’t include long-term financial planning tools such as funds for education or investments. If the majority of Malaysian households have challenges in meeting the existing expenses listed in the guide, it poses a serious concern on their future financial prospects.

The underlying factor of this challenge is the low household income earned by Malaysians. The previous government failed to move us to a high income nation as they had promised, and more families are stretching to make ends meet now. It may lead to serious financial problems in the future.

If median household incomes don’t increase, the B40 (Bottom 40%) and half of the M40 will always struggle even if housing is free, assuming that they aspire to have two children and to live in the Klang Valley.

According to Transparency International Malaysia, corruption had cost our country about 4% of its gross domestic product (GDP) value each year since 2013. Added together, this amounts to a high figure of some RM212.3bil since 2013. For 2017 alone, that figure was a whopping RM46.9bil!

Imagine what we can do with these monies if there was no leakage in the system? The previous government should have channeled the money to stimulate economic growth and increase the income of the rakyat.

Going forward, I am optimistic that the new government, with its promise of a clean and transparent government, can finally fix the leakage and focus on generating a higher income level for all Malaysian households.

Financial independence is a key factor in the overall well being of the rakyat. We need to increase household incomes to a level where families can meet their basic needs and embark on long-term financial planning, to elevate their quality of life.

Then, and only then, will housing and other living expenses finally become affordable.

By Food for thought By Alan Tong

Datuk Alan Tong has over 50 years of experience in property development. He is the group chairman of Bukit Kiara Properties. For feedback, email bkp@bukitkiara.com


 
Related posts:

Five challenges young Malaysians face with home ownership


For many young Malaysians, the road to owning a home is riddled with speed bumps. — Pexels 
 

Middle class malady

Struggling and frustrated: Most aid goes to the B40, leaving the M40 feeling adrift and on their own
 
 
 

Housing affordability is an income issue, what's with the fuss?


Moving forward with affordable housing


Thursday, April 18, 2019

Steep learning curve


What is meant by "steep learning curve"?


Unfazed, this mass comm graduate overcame all kinds of challenges to make it in business.

SAMANTHA Mah did well on her first business venture but suffered a loss on her second. However, failure did not deter her and her two partners from moving on. They gave it another go until they could see the fruits of their labour.

Mah worked as a company administrator and voice talent for radio commercials before she decided to venture into business.— aNis aBdullah/The star

Mah’s first business received an investment of RM10,000 from her sister, Natasha, 37. She and two investor-partners started an online boutique targeted at young women. After one-and-a-half years, business picked up and was quite good.

Mah, 30, is the youngest in her family. She has two elder sisters and a brother.

Mah, Natasha and a friend Jason Leong, 31, started their trading company on March 8, 2011. Just four months later, it incurred a big loss, prompting them to change the products they were selling – from peanuts and sesame seeds to edible organic products.

A mass communication graduate from Universiti Tunku Abdul Rahman (UTAR) in Selangor, Mah had worked part-time as a company administrator and voice talent for radio commercials before she venturing into business. She is now the marketing manager/managing director of her company.

After starting Wide Tropism Trading, she passed her online boutique business to a friend.

One of the biggest challenges for Mah, at the beginning, was that neither she nor her partners had a corporate background.

“We handled matters based on our experiences. Sometimes we had to ask friends for advice.

“In the first few years, there were lots of arguments,” she said.

Mah is glad that her relationship with Natasha survived those trying times.

As part of the company’s costcutting measures, each of them had to take on more responsibilities in various departments.

“There were too many things on my plate – human resource, accounts, design and marketing – and I was suffocating. But we did not have enough (finances) to hire staff,” said Mah.

After two months, she “exploded” and cried during a meeting.

“I could not take the pressure and workload anymore,” she said. Eventually, they could afford to hire new staff.

“Only then did things start to fall into place,” she said.

Cheated by a supplier

Initially, they were importing foods such as peanuts and sesame seeds, and distributing them to local suppliers. Unfortunately, they suffered a huge loss in the first year itself due to unscrupulous parties.

Due to limited cash flow, they could only import one container of stock at a time. Each time, they flew over to the exporting country, India, to check on the quality of the stock and witness the peanuts being loaded into the containers. The first two shipments went through successfully.

However, the third shipment, supposedly of Grade A peanuts, was discovered to contain Grade C stock instead, when it arrived.

She said: “No one in the market would accept the stock. We sought help from the local distributor to sell off the peanuts at a lower price but even then, no one wanted them. After trying for two months, we had to sell off the peanuts to a peanut butter factory at below cost. As a result, we ran into losses amounting to RM40,000.”

The supplier denied it was his fault and instead blamed others. They then contacted the High Commission of India, in Kuala Lumpur, for help but to no avail.

“We wondered how we were going to continue business. My father advised us to pick ourselves up, learn from it, and be more careful. Everyone was very supportive and encouraged us to continue. They believed we could do better,” she said.

Mah then sought help from her uncle, an experienced fruit trader and grocer. He advised her to run a business that’s less risky, such as repackaging and distributing organic products.

She and her business partners promptly took his advice.

In July 2011, her company had its first customer, a newly opened supermarket in Petaling Jaya. In two months, Mah’s team had designed the logo and sourced for products and packaging. And so, their label Love Earth was born.  

Overcoming obstacles

Every day, Mah and her partners packed their products until midnight, and delivered them, working on weekends to selfpromote their products as well.

Said Mah: “Each time a new supermarket called, we’d celeto brate!”

Gradually, it was time start their expansion plan but they were hampered by limited cash flow.

They knew they had to spend more to create brand awareness. That’s when they started their online webstore.

“None of us had any knowledge about marketing. So I attended marketing and e-commerce talks to learn and see what we could do,” she said.

Mah recalled: “The first three years of business were really tough. My salary was only RM1,000 monthly (to cut costs).”

But their efforts paid off. After five years of sheer hard work, they could buy two units of four-storey shophouses.

The company started with 50 products and now has 180.

Currently, it is distributing these products to over 500 outlets throughout Malaysia.

New priorities

Mah, who got married two years ago, plans to expand her family this year. Her husband, C.V. Loh, 32, distributes bio-degradable plates, lunch boxes and bowls as well as health supplements.

She said: “I hope to have financial freedom, and more time for my family. If possible, I would like to be a part-time businesswoman and full-time housewife one day.”

She plans to raise her children herself and not send them to a nanny. She also hopes to travel more in the future. Presently, she travels at least thrice a year. Seeing other countries and cultures opens up one’s mind, she said.

Although she is a career woman, Mah believes in putting family first.

“Women play a role in bringing up the family. If a child is not well taught, he might be a nuisance to society in the future. But if he has a good upbringing, he can be the sun that shines and brings benefits to all. Also, a woman is the pillar that upholds the family,” she said.

Mah explained that even though she studied mass communication and broadcasting, it was during her internship that she realised that she wanted to go on a different career path than she had originally planned.

After her graduation, she thought of going into volunteer work. But her uncle advised against it. He told her to be successful so that she could help herself and others in future.

By Majorie Chiew The Star


Related posts:


Hats off to a strict father


It pays to be stern 

Startup opportunities abound

 

My home, my school

More and more Malaysian parents are turning towards homeschooling today for various reasons. 

Giving a choice of education to our students in Malaysian school systems


Steep learning curve


What is meant by "steep learning curve"?


Unfazed, this mass comm graduate overcame all kinds of challenges to make it in business.

SAMANTHA Mah did well on her first business venture but suffered a loss on her second. However, failure did not deter her and her two partners from moving on. They gave it another go until they could see the fruits of their labour.

Mah worked as a company administrator and voice talent for radio commercials before she decided to venture into business.— aNis aBdullah/The star

Mah’s first business received an investment of RM10,000 from her sister, Natasha, 37. She and two investor-partners started an online boutique targeted at young women. After one-and-a-half years, business picked up and was quite good.

Mah, 30, is the youngest in her family. She has two elder sisters and a brother.

Mah, Natasha and a friend Jason Leong, 31, started their trading company on March 8, 2011. Just four months later, it incurred a big loss, prompting them to change the products they were selling – from peanuts and sesame seeds to edible organic products.

A mass communication graduate from Universiti Tunku Abdul Rahman (UTAR) in Selangor, Mah had worked part-time as a company administrator and voice talent for radio commercials before she venturing into business. She is now the marketing manager/managing director of her company.

After starting Wide Tropism Trading, she passed her online boutique business to a friend.

One of the biggest challenges for Mah, at the beginning, was that neither she nor her partners had a corporate background.

“We handled matters based on our experiences. Sometimes we had to ask friends for advice.

“In the first few years, there were lots of arguments,” she said.

Mah is glad that her relationship with Natasha survived those trying times.

As part of the company’s costcutting measures, each of them had to take on more responsibilities in various departments.

“There were too many things on my plate – human resource, accounts, design and marketing – and I was suffocating. But we did not have enough (finances) to hire staff,” said Mah.

After two months, she “exploded” and cried during a meeting.

“I could not take the pressure and workload anymore,” she said. Eventually, they could afford to hire new staff.

“Only then did things start to fall into place,” she said.

Cheated by a supplier

Initially, they were importing foods such as peanuts and sesame seeds, and distributing them to local suppliers. Unfortunately, they suffered a huge loss in the first year itself due to unscrupulous parties.

Due to limited cash flow, they could only import one container of stock at a time. Each time, they flew over to the exporting country, India, to check on the quality of the stock and witness the peanuts being loaded into the containers. The first two shipments went through successfully.

However, the third shipment, supposedly of Grade A peanuts, was discovered to contain Grade C stock instead, when it arrived.

She said: “No one in the market would accept the stock. We sought help from the local distributor to sell off the peanuts at a lower price but even then, no one wanted them. After trying for two months, we had to sell off the peanuts to a peanut butter factory at below cost. As a result, we ran into losses amounting to RM40,000.”

The supplier denied it was his fault and instead blamed others. They then contacted the High Commission of India, in Kuala Lumpur, for help but to no avail.

“We wondered how we were going to continue business. My father advised us to pick ourselves up, learn from it, and be more careful. Everyone was very supportive and encouraged us to continue. They believed we could do better,” she said.

Mah then sought help from her uncle, an experienced fruit trader and grocer. He advised her to run a business that’s less risky, such as repackaging and distributing organic products.

She and her business partners promptly took his advice.

In July 2011, her company had its first customer, a newly opened supermarket in Petaling Jaya. In two months, Mah’s team had designed the logo and sourced for products and packaging. And so, their label Love Earth was born.  

Overcoming obstacles

Every day, Mah and her partners packed their products until midnight, and delivered them, working on weekends to selfpromote their products as well.

Said Mah: “Each time a new supermarket called, we’d celeto brate!”

Gradually, it was time start their expansion plan but they were hampered by limited cash flow.

They knew they had to spend more to create brand awareness. That’s when they started their online webstore.

“None of us had any knowledge about marketing. So I attended marketing and e-commerce talks to learn and see what we could do,” she said.

Mah recalled: “The first three years of business were really tough. My salary was only RM1,000 monthly (to cut costs).”

But their efforts paid off. After five years of sheer hard work, they could buy two units of four-storey shophouses.

The company started with 50 products and now has 180.

Currently, it is distributing these products to over 500 outlets throughout Malaysia.

New priorities

Mah, who got married two years ago, plans to expand her family this year. Her husband, C.V. Loh, 32, distributes bio-degradable plates, lunch boxes and bowls as well as health supplements.

She said: “I hope to have financial freedom, and more time for my family. If possible, I would like to be a part-time businesswoman and full-time housewife one day.”

She plans to raise her children herself and not send them to a nanny. She also hopes to travel more in the future. Presently, she travels at least thrice a year. Seeing other countries and cultures opens up one’s mind, she said.

Although she is a career woman, Mah believes in putting family first.

“Women play a role in bringing up the family. If a child is not well taught, he might be a nuisance to society in the future. But if he has a good upbringing, he can be the sun that shines and brings benefits to all. Also, a woman is the pillar that upholds the family,” she said.

Mah explained that even though she studied mass communication and broadcasting, it was during her internship that she realised that she wanted to go on a different career path than she had originally planned.

After her graduation, she thought of going into volunteer work. But her uncle advised against it. He told her to be successful so that she could help herself and others in future.

By Majorie Chiew The Star


Related posts:


Hats off to a strict father


It pays to be stern 

Startup opportunities abound

 

My home, my school

More and more Malaysian parents are turning towards homeschooling today for various reasons. 

Giving a choice of education to our students in Malaysian school systems


Monday, February 1, 2016

Liberating Malay mind: Shed ‘excess baggage’ of privileges !

 Malays must shed ‘excess baggage’ of privileges, says Rafidah 


SHAH ALAM: The Malays should drop the “excess baggage” hobbling them, such as the thinking that they are “special” and deserving of certain privileges, says Tan Sri Rafidah Aziz.

Instead, she said they should move forward by nurturing themselves with a recalibrated mindset.

Speaking at the launch of a book titled Liberating The Malay Mind by author Dr M. Bakri Musa, Rafidah said that the excess baggage of the Malays included the obsession that the community was special and more privileged than the others, in an ideal that was bolstered since the formation of the New Economic Policy (NEP).

“We (Malays) have been taught that we are special and privileged. But, we must know that the NEP was introduced because we were so far behind in knowledge and economy, and we needed assistance.

“It was not because we deserved it, nor was it that we must have it because the Malays were special,” she said in her speech.

Rafidah said it was a shame that after all these years, the Malays were still imprisoned by the thinking that they were special and deserving of certain privileges.

“It is shameful that we still want the “crutches” although our legs are fine, or still want to depend on the special status when we are able. It is our mindset that is stopping us from moving forward.”

Rafidah called on the Malays to face the future by eradicating the narrow thinking as well as their over admiration on foreign culture.

“All Malays are Muslims in Malay­sia. So, be a Malaysian Muslim. We are not Arabian, we are Malaysian first.

“We must realise that we are an integral component in Malaysia.

“It is necessary for us to nurture the younger generation with good universal values, such as integrity, trustworthiness, responsibility, accountability, discipline and respect for others.

Otherwise, we will be stuck in a time warp and end up going nowhere, she added.

Sources: The Star/Asia News Network

Related posts:

Liberating the Malay mind Open-minded people are usually more tolerant, and when you are tolerant you are


  Dr. M. Bakri Musa Speaks His Mind: Liberating the Malay Mind
>>>> " 90% of the Doctorates held by Malays is not worth the toilet paper on which it is printed because it was all prod... 

Saturday, January 30, 2016

Liberating Malay mind, unnecessary hoo-ha and nonsense!

Liberating the Malay mind


Open-minded people are usually more tolerant, and when you are tolerant you are also moderate in your actions and behaviour.

Open-mindedness started to disappear from the scene when we began to have indoctrination in our schools and universities. In other words, when politics and religion got into the class rooms and lecture halls.

LIBERATING the Malay Mind is the title of the book by Dr M. Bakri Musa, a Malay doctor who practises medicine and lives in California. Written in English and Malay, the book was published by ZI Publications.

The second edition will be launched on Jan 30 by another famous and successful Malay, Tan Sri Rafidah Aziz. As a Malay, I am proud to be associated with these two Malays whom I consider to be “open-minded”.

Open-mindedness is essential if we want to be a moderate and tolerant society.

Moderation is only possible if people understand the issues and are willing to talk about them openly. They can only understand difficult issues if they are willing to think rationally.

Being open-minded means that even if you think you are right, you know that you could be wrong, and you must therefore always be willing to consider other arguments and ideas.

Open-minded people are usually more tolerant, and when you are tolerant you are also moderate in your actions and behaviour.

An open-minded person is willing to engage in discussions and is generally flexible in his or her approach to things. Many leaders like the late Nelson Mandela, artists, writers and scientists attribute their success to their open-mindedness.

In Malaysia, Malays of my generation and those who are older are generally more open-minded than the present crop. This is partly because our educational approach was more focused on building skills such as reading, writing and thinking.

Science and the arts were subjects that had no socio-political dimension. They were studied purely to understand the physical world, culture and human nature.

Interpersonal relations were measured according to how we dealt with others as human beings, rather than which race we belonged to.

Success was measured by the level of skills we attained after years of schooling, and by the job skills we required to feed our families upon graduation. Back then nothing more than a bit of fun here and there got into our bloodstream.

Open-mindedness started to disappear from the scene when we began to have indoctrination in our schools and universities. In other words, when politics and religion got into the classrooms and lecture halls.

Education now includes courses on political awareness, and a heavy dose of religious instructions. If teachers and educationists do not exhibit some form of conforming identity or partisanship to “political and religious needs”, then they might not go far in their respective fields.

A new sense of historical perspective is also considered necessary. The biggest stumbling block to open-mindedness is, of course, education. Both secular and religious education in this country are not like those in the Islamic world of the 8th century.

Baghdad then was the centre of learning, and had the biggest public library in the world. Jews, Christians and Greek scholars of all faiths and creeds gathered to pursue knowledge without restrictions. It was never vacuous, mediocre and rigid, both in content and methodology, like what we have here today.

The culture of having an intellectual and pluralistic approach to understanding the world, including religious tenets, has not taken root.

In fact, such an approach is frowned upon and considered blasphemous. The state’s monopoly and control of religion is absolute.

The outcome is therefore predictable. Younger Malays are an angrier lot; they are less tolerant and moderate than older Malays. Just read their Facebook accounts and social media comments on any subject that is faintly controversial and you will appreciate what I mean.

They hurl abuse and make personal comments that have nothing to do with the subject matter in question. Extremism in their thinking is clearly visible.

They always see problems as if Islam and the Malays are under constant attack.

My concern in all of this is that the attributes these Malays/Muslims are exhibiting, besides being dangerous to the country’s peace and stability, are actually detrimental to their own well-being.

Their “enemies” – such as Chinese, Jews and the West in general – will continue with their ways and not be bothered with the tantrums thrown by these Malays.

They will continue with their educational and economic dominance. They will continue to make inroads in science and technology. They will continue to produce Nobel Prize winners.

What will become of these Malays? They will continue to be fascinated with ideas of violence and destruction, like the Islamic State teachings.

They will continue to adopt a rigid mindset which will make living in a multicultural 21st century setting more difficult. They can continue to listen to preachers and motivational speakers about how to defend their rights; but they will continue to be irrelevant because they will not be successful or dominant over things that matter.

They will not be able to truly develop the country and exploit its resources because they will lack the necessary know-how.

I am concerned that their frustrations over their own irrelevance will push them closer to those militants who blow themselves up. After all, suicide bombers are usually driven by their sense of helplessness, despair and alienation.

That’s why I hope more young Malays will read Dr Bakri’s book and attend the forum “Merdekakan Minda Melayu”, which will be held after the book launch.

I hope they will listen to what Rafidah has to say to find out what can make them more resourceful, and hopefully, successful.

One thing for sure though: they can only do that if they are prepared to liberate their minds from the toxic influences of the present.


By Zaid Ibrahim
all kinds of everything
Former de facto Law Minister Datuk Zaid Ibrahim (carbofree@gmail.com) is now a legal consultant. The views expressed here are entirely his own.


Unnecessary hoo-ha and nonsense



Common sense has slowly been taking a back seat over the last few years, as people get hysterical over the most ridiculous things.

I don't understand why we are not ashamed to admit our faith is weak, and that we should constantly protect it. Others people don't seem to have ths same problems.

FOR a country that loves having laws to govern everyone’s beha­viour, we are very peculiar about ensuring that people follow them.

For some people, we bring the full force of the law to not only pu­nish them but to also set as an “example” to others.

For others, we sometimes wilfully ignore the law and let them do what they want.

Then there are the people who ignore court orders because they say it conflicts with some other law. Why they don’t get charged with contempt of court, I don’t know, but I don’t have to be a lawyer to think this is weird.

Then there are people who stretch laws to mean and do other things.

Like assuming that fathers are the only parents of a child and therefore what they say goes. (To the students to whom I was explaining what gender discrimination means today, there’s your example.)

Additionally there are people who make things up because it’s a law that only exists in their head.

A Muslim parent whose child goes to a Chinese school talked about how it was not enough for the religious studies teacher that there is halal food available in the canteen, but that the Muslim kids had to sit apart from their non-Muslim friends as well.

Does she think that non-halal food can be breathed in?

Some people will undoubtedly say that children have a habit of sharing food and utensils so some may inadvertently eat some non-halal food.

But of course sharing even all-halal food isn’t very hygienic either and is something parents should teach their children not to do.

Thinking about this story, I rea­lise how common sense has slowly been taking a back seat over the last few years.

Some people can really get hysterical over the most ridiculous things.

The unnecessary hoo-ha over the eventually false story of pig DNA in chocolate comes to mind.

Then of course there is the obsession with the cross appearing everywhere.

Apparently if you live in a house where there is something that looks like a crucifix on the roof, you will change your faith as easily as you change your underwear.

It never ceases to amuse me how, while Muslims find it so difficult to convert anyone else, all it takes to convert a Muslim to some other religion is the sight of a crucifix, a statue, hearing a song, drinking some water and even, as I was once privileged to be told, looking into the eyes of the Pope.

Our faith is a delicate thing, which we hang on to by the thinnest wisp of a thread, vulnerable to whatever “infidel” breeze might blow our way.

As it happens, I spent 12 years in a Convent school where there were crucifixes everywhere inclu­ding a giant one on the roof of the school.

Not a single one of the Muslim girls who studied there has left the faith. But maybe our generation are stronger than the people today.

I don’t understand why we are not ashamed to admit our faith is weak, and that we should constantly protect it.

Other people don’t seem to have the same problem.

I talk to young foreigners about the practice of Islam in Malaysia very often and, as far as I know, none have converted yet.

I may have dispelled some stereotypes about Muslims however, particularly the one about us having no sense of humour.

Logic is not our strong point either.

I saw a video where a uniformed man was briefing some academics on how to spot terrorists.

He talked about their distorted beliefs about religion and their lite­ral reading of the Quran.

I thought he was doing a fair job until he decided to give some examples of people to be wary of.

All of a sudden, he cited some of the most progressive people in the country as those most dangerous.

The sheer illogicality was breathtaking. I think even the terrorists would be puzzled, because the very people he mentioned in the same breath as terrorist ideology are not exactly popular with the angry, head-chopping, bearded crowd either.

The people wreaking havoc in Syria these days don’t believe much in women’s rights, for example.

So does it make sense to label women’s rights advocates as terrorists?

But maybe the illogicality and nonsense are deliberate. Our people tend to look up to those in authority so perhaps when they say that black is now actually white, and good is now bad, we will simply believe it.

That approach assumes that our people are all mildly intelligent, of course, and have shaky values to begin with. But it seems to work.

Maybe ultimately that’s the only thing about how we are governed that makes sense.


By Marina Mahathir musings

Marina Mahathir is a human rights activist who works on women, children and HIV/AIDS issues. The views expressed here are entirely her own.


Related posts:


Mar 21, 2015 ... Dr. M. Bakri Musa Speaks His Mind: Liberating the Malay Mind. >>>> " 90% of the Doctorates held by Malays is not worth the toilet paper on...


Mar 22, 2015 ... While Malays constitute a majority of the population of this nation, their ...... Dr. M. Bakri Musa Speaks His Mind: Liberating the Malay Mind