Wednesday, April 27, 2011

:: PCB ::

Tensen tengok how much of my salary goes to PCB..

After annual salary increment tahun ni, my new 'taxable salary' telah berpindah band.. Meaning, higher % paid to LHDN.. So, macam tak merasa pon ada salary increment sangat sbb bigger portion of the increment telah dilaburkan kepada pertambahan % tu.

So, as an accountant, aku pon menyiasat ler macam mana nak kira PCB tu.. uhuuhuh.. siap buat excel sheet sendiri with formula to calculate final amount of tax payable. Hanya masukkan how much your annual salary jerk..

'Taxable Income' ni basically adalah :
  • annual income (termasuk elaun, bonus etc) 
  • (minus) KWSP - tp limit up to RM6,000 only
  • (minus) RM 9,000 as potongan diri sendiri (if spouse pon keje)
Nak kira berapa banyak tax kena bayar plaks, kene refer table ni :
Total tax kena bayar is
  • 1st tier amount
  • (plus) [taxable Income - 2nd tier] x tax rate

Calculation PCB done by your employee will not take into account 'tax allowable expenses'. Therefore, sila buat tax planning anda..

Apa itu tax planning? Try turunkan your taxable income to lower band by tolak apa2 yg 'tax allowable expenses' such as:
  • derma
  • beli buku
  • sambung belajar
  • subscribe broadband
  • beli pc (limit every 3 years)
  • simpan kat SSPN utk anak
  • insurans
  • interest beli rumah
  • etc
Sebab tu ler biler kita buat e-filling (tinggal a few days lagik before due date!) if 'tax allowable expenses' kita banyak, kita boleh dapat tax refund from LHDN.

Lagi satu, jangan lupa plaks bayar zakat.. kalau boleh bayar zakat sama amount dengan bayar tax. Sebab pembayaran zakat pon akan reduce amount tax yg kita kena bayar.

Selamat merancang pendapatan anda.. supaya next year seronok boleh shopping biler dapat tax refund :)

p/s: It just a rough calculation dalam term yg aku rasa mudah nak faham. Actual amount might be lain skit.. :)

Tuesday, April 26, 2011

:: weaning ::

Since semalam, zarif refuse untuk direct feeding.... biler tanyer nak nenen ke tak, muka excited giler... siap baca doa lagik.. pastu, biler aku sua cik B,dia terus geleng kepala and bangun...

Then, biler panaskan EBM dalam botol, happy giler dia tengok botol. Terus grab the bottle and habis minum... 

Is it a sign that Zarif dah ready untuk wean off from B? Tak pernah terfikir secepat ini... Can I be a fully pumping mommy? Hmm, to be honest.. I dont think I can and I dont think I'm capable. Dengan workload yang banyak and low milk supply *looks like macam alasan jerk* rasa2nyer, macam tak mampu sangattttttttttt nak exclusive pumping..

Adakah sebab Zarif merajuk? Actually, pagi semalam, aku bagi dia minum Enfagrow. Saja nak test sbb mmg plan nak stop breastfeed biler dia reach 2 years.. Sebab tu ker??????

Tadik, aku try konon2 macam breastfeed patung Dibo.. Jeles le plaks.. dia tarik2 Dibo, tak kasik Dibo nenen.. tapi, biler aku try BF zarif, dia still refuse

Aku selalu baca yg mommy sangat sedih biler anak dah tak breastfeed... now baru aku realize betapa sedihnyer perasaan itu... Sedih sangat2.. Rasa macam merajuk dengan Zarif pon ada.... :(

Apa2 pon, deep inside my heart, I still mengharap Zarif masih nak direct feed... :( Amin...

Tuesday, April 19, 2011

:: MeNu ::

Kelmarin : Nasi Ayam

Hari ni : Sup bebola ayam + telur dadar + sotong goreng tepung

Selasa : ???

Agak2, if masak sambal sardin goreng ngan taugeh & tauhu masak lepas.. matching tak?? Hubby nak makan sardin.. aku plak jenuh nak fikir lauk apa utk Zarif..

p/s: Mode memasak kembali activated after Zarif dah 17 bulan.. sbb bulan ni giler sengkek, tak mampu nak makan kat luar

Thursday, April 14, 2011

:: ice cream ::

Desserts is the reverse for Stressed.. and i loooooooooooooooove desserts so much! Antara dessert yg paling aku suka is ICE-CREAM!

Ingat time mula2 Lecka2 ada kat mesia, rasanyer almost every week makan ice-cream ni.. Tp, lecka2 skrg dah tak sesedap dulu.. pastu dia tak bagi penuh satu cup tu betul2..

Kat Bangi ni ada Ice Room. Bleh tahan gaks sedap dier.. boleh ler.. Then, a few months back, Tutti Frutti plaks bukak kat Bangi ni.. memang dah tak layan Ice Room dah ler.. Pastu, takde la rasa bersalah sangat sbb frozen yogurt.. Tapi, takleh makan selalu sbb nanti Zarif confirm2 ngamuk nak jugaks.. Dia dah ler asyik selsema..

Time BW today, stumble upon Cream & Fudge Factory.. Alamak.. terliur seh tgk ice cream dier... pastu, diorang claim that ice cream diorang ni is 'the creamiest ice cream on earth'!!  Rasa cam nak g KLCC harini jugaks sbb nak rasa.. tp tengah sengkek


pic source : google
 Sayang, nanti belanja makan ice-cream ni bleh??

Wednesday, April 13, 2011

:: FooD ::

Macam mane ler aku ni tak gemuk.. tak buncit... Tengok ler stok makanan aku kat opis ni hah...

macam-macam ada...

1. Chocolate toblarone - beli time g langkawi aritu.. if letak kat rumah mmg tak jalan..
2. Kurma - opismate bagi sempena majlis akikah cucu dia.
3. Kacang - beli from my opismate
4. Tat nenas - sedap tau tat ni... beli from my opismate jugaks
5. Kerepek ubi - again, purchase from my opismate
6. Hot choc cadbury - my fav drink, hanya akan minum biler stok Milo opis sudah habis
7. Hot choc oligo - one of hadiah for department nye event
8. Instant longan & red dates - sedap.. used to b milk booster, tp skrg sudah imun..

Alahai... ni tak tgk stok makanan ringan kat rumah lagik ni...

Tuesday, April 12, 2011

:: BoNuS ::

Sudah terima email.. bonus akan dibayar akhir bulan ni!!
*
*
Yahoo!! Sudah tekan2 calculator.. kira brapa banyak akan dapat...
*
*
Tolak 11% EPF
*
*
Tolak a few hundreds for PCB
*
*
Tolak outstanding balance for credit cardS
*
*
Tolak nak sponsor skit utk adiknyer wedding akhir tahun ni..
*
*
Tolak budget nak pasal grill, lampu, kipas, sofa baru, katil baru utk rumah baru yg ntah biler nak dapat CF tu...
*
*
Balance - NEGATIVE!! bukan zero erk.. tp CREDIT!

Moral of the story : bersyukur ler atas apa yang ada...sambil berdoa dapat naik gaji banyak skit...

Friday, April 8, 2011

:: Balik Kampung ::

Yeay! Malam ni nak balik Johor!

Rasa lama giler tak balik.. last time time CNY.. Normally, kitorang balik sebulan sekali.. tp sebab hari ahad ada kelas, so, terhad skit le time nak balik Johor..

Taktau ler Zarif ingat lagik tak Atuk & Nenek dia.. Biler tunjuk gambar, tanyer mana Atuk, dia tunjuk betul... tp, biler tanyer mana Nenek, dia akan tunjuk muka aku! So, sama ada :
1. muka aku ada iras muka nenek
2. dia confius between nenek & nenen (sbb dulu bile tanyer mana nenek, dia akan angkat baju dia cam bagi nenen)
3. I look soooooo old, so muka dah sama cam muka nenek!


Btw, balik kali ni sbb sepupu aku tunang & nak further discuss psal wedding adik aku akhir tahun ni (Arggh! Cuti dah le tinggal sikit !!!)

Hopefully tak jammed ler... n selamat pegi balik :) InsyaAllah :)

Wednesday, April 6, 2011

:: OFF-site ::

Sebelum ni, aku ingatkan aku sorang jer yg bengong tak paham apa itu 'off-site'.. even dah berjuta kali dah hubby explain...

Pastu, aku giler kagum camner orang bleh cepat2 detect benda tu off-site, while aku kena tunggu camera tu re-play, in slow motion with somebody explain kenapa jadi off-site, baru ler aku bleh understood yg tu adalah off-site...

Lepas dengan FlyFM pagi semalam n pagi tadik, baru tau yang rupa2nyer, ramai pompuan (laki pon ramai gaks), yg tak paham (dont know n dont care) what is it.. So, it's not just me...

But the thing is, even ramai caller yg call utk explain in layman's term what is 'off-site'.. aku still tak paham.. mula2 ingat dah paham dah, pastu biler aku tanyer hubby utk confirmation, dia kata, apa yg aku paham tu tak complete.. bleh salah interprate...

Then, aku try baca from wikipedia, bertambah lagik tak paham!..giler complicated! Mcm otak aku tak pandai nak absorb knowledge tu..Taktau le kenapa, kepala otak aku takleh nak 'save' information.

Apa2 pon, sport is not my cup of tea.. Lagipon, I'm sucks in sport.. mmg takde satu sport pon yg aku terrer.. mmg confirm takleh wakil sekolah punyer ler..

All my knowledge relevant to sport hanyalah dari hubby yang sukaaaaaaa sangat sport.. (sehari tak baca soccer.net, mmg tak sah!)

Bakal pemain bola? Tapi team Jepun?

Friday, April 1, 2011

:: BesTFrieNd ::

Zarif's new bestfriend... spidey!

Dia suka pegang tangan spidey tu pastu duk heret pusing satu rumah..

If suh sayang spidey, pantas jer dia cium pipi kawan dia tu...

Tp, skrg dia dah x kawan ngan spidey dah sbb spidey dah lembik .. dah x leh diri sbb dah takde angin....

Sian spidey...

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