Wednesday, September 28, 2011

Why Should I Pay Tax

Most of the actions taken up Government are helping bank getting liquidity on their funds. They ignore to rescue those population with earn little to buy food.for surviving So it would continue encourage bank loan to some more inability country. Bank always give some problems to Government and use it as weapon although they are not base on earning power to grant the loan. The theory only apply to ordinary people who is not capable. They just eat those bad loan by way of earn highest interest rate because they knew that they won't lose. Finally Central bank will help them absorb it. They continue enjoy high profit and give highest bonus to board of directors and CEO.

So, Why should I pay tax? How come people can pay monthly installment for shop lot about 1,500 to 3,000 no need to pay tax? That is big curious for me. Government always claims that they have been enhance a team to execute the collection of taxation. But actually the effects are little.

My salary need to support 5 unemployed person with net income of RM3,000 but I need to pay heavy tax on that. Tax Department count that is my individual income and so most of the my income is pure income/net income. So, I have to pay tax.

Funny things are so many people carry a business and pay RM50 per month only but they can afford to own 2 shop lot and few units of low cost flat. Why have such unbalance system happen in the country. So, Tax department should not said they are short of man power. They have such authority to obtain some info from bank as well as from retirement scheme or insurance policy.

If those people can afford to buy million policy from insurance company. How come they can said they only earn 2,500 or 3,500 per month. Funny matters are those collectors and bank easy capture some info from DIGI, Maxis and TM to do their business. Why our government body lack on that?

Certain privacy info should block and certain enforcement must enforce but In fact that is the others way round about that. So, Government keep on claims to employ more staff in the tax department to waste the resources of country but actually the effect is null and void.

The bad attitude/culture has been adopted by Bank. Like those car loan collectors easy enter to customers data base to obtain the info as long as you give them a identical number. So, Maybank and CIMB not encourage to buy because they lose original ethic to carry on their business. Some others foreign bankers worst, they enter the government body to get info for every person.

That's a law provided they can do that. Is it the profit help them or encourage them to do so? If the god culture does not apply, one day the worst will going to apply on them. Like IT company collect all info when you are surfing website. So, others hackers enjoy the ultimate info and bring them in the bad status.

Like UBS in Switzerland grab all profit in hand from ETP and CDS trading but now one person destroyed all the profit with its capital. Shares Investment allow ordinary people ignore the high inflation rate and help you survive with necessary thingy. But now become as rich man's weapon to destroy poor people income by few second of time. Rescue by Government not helping you but continue support bank to take you hard earn money again to build their emperor.

Tuesday, September 27, 2011

Sell Again

Today is a brighthen day. All major shares market shut up and recover a bit. Is it a good buying? Of course you may said you lost the opportunity buying on yesterday. You also can claims that most of the negative data brought you confusing. So, which is the correct direction?

In my own knowledge, every time heavy selling must have sufficient stocks in hand only can do so. Hence, all stock through into market derive from that. Refer to today price, you could found some of the stocks not even can covered back the yesterday highest done. So, I have to say the heavy selling will continue and index anytime can hit lower.

Saturday, September 24, 2011

A Day Was Gone

During the week, shares market value loss about 32 trillion. Who is loser? Let us imagine if one day index become zero, shares value converted to money. What is the effect?

Is it similar like you had visit another country and now turn back to home? Is it like you read a book finally you earn nothing? Or maybe seem like you score a goal but finally lose the champion?
I do not know but anyhow you should learn that theory because once you are never selling the stocks in hand. You should aware that is the consequences.

Perhaps you are hope one day the price can reach you margin and gain back the same but actually you have loss yours time on one game. Life is beautiful because it should not allow one thing block you step further to taste others.

A day was gone mean you loss something in your life. If you turn back you can't enjoy something better than now.

Shares market just is a one of the game in your life. Just further imagine, one day if you could collect entire world money. Is it the world much more beautiful than now? Definite the answer is "NO". So, earn now and spend now make yourself happy with no burden.

Friday, September 23, 2011


Early morning, investors start guessing the index can reach how low. Actually, low does not change the current situation and also does not mean can rebound strongly. Because the element of economic base has been destroyed heavily.

Nowadays, when economic does not reflect the basic need of the people. Those economist still using the old technician to measure and evaluate the crisis. It has create a hazard way to recover. They still believe currency policy can control as their wish. They still believe the interest rate can adjust the wrong direction.

Since they have created so many derivative products in the market. Actually they hardly find the real reason on that. So, every control and adjusting bring worst in to it. In the Euro Zone, those minister lose any solutions because they not even know the money spend on where. But suddenly so many due debt has arise and need to redeem it immediately.

Monday, September 19, 2011

USA "New Tax system"

Lately, Obama said that imposed a Million Dollar Tax on "Riches Group" to help the Country Deficit reduce about 3 trillion dollar in 10 years time. I believed that is some exchange condition hidden behind. On the other hand, if I would have such chance to imposed new tax scheme. I intend set some conditions on that:-

a) Who are hold more than 5% shares in one company, there is a levy tax on price difference.
b) If individual hold shares more than his earning 3 times, that should have pay extra tax.
c) Every purchase in the year should not more than his income 3 times. More than that should have tax accordingly.
d) If some one stop work more than 1 year, the subsidy subject to tax.
e) Retirement funds exempted tax by way of subject to life working years up to 45 years old. If some one receive subsidy from government more than 3 years during his working years. All subject to tax.
f) After the CEO or directors resigned and the company business fails or profit reduce more than 10% in the next 18 months. The retirement funds receive by them subject to 50% tax.

The above is my little wild opinions to minimise the gap between the poor and rich people. Is it hurt you??

Sunday, September 18, 2011

Are you a specialist in Investment?

When talking about saving money, There are a number of specialist guide you to buy this products or that products. They named it as Investment Analysis or Assets Management Consultant. So specific professional but their job actually act as an agent. They earn commission by way of selling on such products. They not even know about the products.

So, you can try ask few question to them. Like: -

a) What is main cause on the current financial crisis?
b) What is main export and import of Malaysia?
c) What is Country economic base?
d) Why your product should select such stocks or What is the said company core business?

I think not even one can tell you. If you are the International player. Some more you can ask What is ETP or CDS? How they can help you earn money? What is the benefit of those product to the bank?

So, the big corn body is retirement funds. They compulsory force every employee save some ratio of the earning to the funds. So, one day the Government Bonds also can be default. How the retire man can survive?

They have some way to ignore such negative points and so tell people in lie. I do see one fund in Malaysia never registered lose although the market drop until 200 points. Although they claimed that all money invest in shares. Furthermore they can contribute bonus plus dividend in that specific year.

Until today, the god of shares " Warrent Buffet" still gain and so gain the title as super investor in the world. Maybe I do agree that because although he felt sick. He had enough money to see doctor. He also got saving enough to buy his first house. So, all money for invest never change it and maintain as 50 years ago. As an ordinary people, how many got such luck as me. In yours family, maybe today you son need further study force you to sell yours stock in hand. or maybe tomorrow you parents illness need money for operation that also force you to sell yours in hand stocks. how many times you can save yours share on such changes?

Based on that, How many specialist of shares investment can standing in front of you and claimed that he is so unique? How many specialist can convince you to trust them?

Saturday, September 17, 2011

I don't want be Ugly look

When you have earning power with money saving in the bank. So, you are start worry about the crisis. You do not how to park safely on your saving. Like Libya ex-president. during his controlled the country he had use his power collecting the wealth. But now he not even can carry a ton of gold to run away with his long saving.

Ugly look like me hardly to enjoy any privilege granted by people. Especially smoking smile always surruonding me bring more hate from people.

So, in such way how to join the high leverage game to earn extra to ignore people still hate me on my ugly look. Nevertheless mostly ugly face blocked me step ahead than people. It can bring people easy stay away from me and ignore me to join any party. I do not happy on that but I do respect people how to identify me on such way.

In the share Investment game guided me a meaning of life with full spirit. And so helping me understand more theory in the books. Could I lose something on my ugly face. In the sense of respect of course I have never gain it. But in the range of up and down of the shares price,I may have it.

A monkey always claim that he can run faster than Cow but skipped step with jump always bring a dangerous hole in front. Destitute on me bring peaceful mind to enjoys during the financial crisis. So poor does not means I lose everything in my life.

I do believed when I no mood to write something at here means market will have one big adjustment. Of course people will claim that now market still not stable yet why I am here to write something. Is that means crisis is over?

Actually I am still negative. So most of the write up here just ignoring the trend/status of the market run/direction. Because I do believe as long as basic need of population never change. The crisis would not over and hardly to resolve. 6.8 billion people in the world need food and home. So, who will ignore by this trend and kick off by someone. I do not know. Hence, ugly face with me become meaningless when compared with it. Small matter, really is small matter. OH My Ugly Face.

Beauty and The Beast

A cartoon story with full of love emotional attracted everyday trusted the dream. We always believed as long as you are trying and so you are ugly. But you are still eligible have someone loving you. Although is hope plus little wish, so on there is never fail you in yours life.

Now days, people grading you are worst because you are poor. If you do not have money to invest means you are not qualify be a human. So, riches people created a ground to play such a game and namely it Shares Investment. In order to repeat the profit margin in short period of time, they also apply multi way to analysis the assets. Actually the asset can not provide such return but Wall Street people use convince way to repack the same thing and resale again.

What is the meaning of 1000 points or 10,000 points. Is it the company can contribute 1000 times of profit to you or maybe 10,000 times of profit to you. The points system already confuse you as such way. Similar like if today General Electric record as USD100. Does it means it can help you earn hundred in that year? So, the logic of investment has been out.

The analysis equipment like PE ratio. Earning ratio or evaluating the Turnover has been misuse it to divert investor attention. Like today if market drop 1000 points. Does it means GE can't earn 1000 dollar in this year?

So, those economic professor should think a new theory to revalue the asset and given us a clear picture about the investments. Of course like me, really can't understand Why we should use such a way to revalue a share price. Actually those professors from Yale University still applying such theory like spending by government can push up the economic or measurement of supply and demand of forex should be able to well know the circle of the economic. Or use interest rate to monitor the spending power. All have been proven that current economic crisis would not eliminated by such a way.

So, to define the specific share price should more realistic to reflect the earning power by way of evaluating of the impact of the changing of environment. Rather than use one way like monopoly of specific product as major factor for measurement its earning power.

So, as your are aware Beast does not forever ugly. It can turn it as beauty as you wish but subject to certain conditions to fulfill it. Are you want to be beauty as artificer way or ugly but actually is your real face/feature. That's up to individual to define it.

Friday, September 16, 2011

We need funds

A monkey offer selling about 9 billion bonds but actually in this end of the year they require another 60 billion to cover up the deficit and spending plus payment of interest due. So, who wants to giving them such funds.

Common sense tell us if someone got 1 billion in hand, I think he get enjoy his life over the coming 150 years. So, can you imagine that 69 billion just through out easy over the 5 years. That is big money/funds. They never think seriously how to refund the debt furthermore telling the people they need to work hard on that. They should not use such bonds to exchange the human needs. Actually the lender no need ask to buy directly through bonds market because as far as they are supply to them, they will receive bonds.

On the same time, USA's peoples now should forget the America Dream because as long as the basic need of human does not change. Japan and United Kingdom history will happen on them. They going to lose about 20 or 30 years of any improvement or economic may turn down as year of 1970. So are you feel desperate?

Monkey and cow story hidden up human basic need is important. You can not spend you father or you grand father money/assets as water. you need to maintain yours need by way of rightfully.

Thursday, September 15, 2011

A Monkey and A Cow

A monkey wondering why Cow wake up so early in the morning. So, one of the day he had stopped cow and then asked" Why you are wake up so early?" The Cow answered" because I need to work". Hear that, Monkey can't understand because in his life. Playing, sleeping and enjoying is more important. He really do not understand Why "working" is so important. Monkey go back and search his country's dictionary. The interpretation of "Work" in his book meaning equivalent to "welfare". Monkey's government should provided that to all monkey. So, he stop worry and then continue playing and enjoying.

After past 30 years, Government of monkey had sold everything to exchange the joyful life. A cow has been collected some many of forest and land in hand. Now, monkey must rent a piece a land from Mr Cow. Further, monkey must visit Cow's country frequently because he need offer some bond to Mr Cow.

Actually Mr Cow really not understand Why monkey always visit his country. Here ,do not have any funny thingy for Monkey. Mr Cow also not interested those bond issue by Monkey Empire. Why he need to buy from them.

Mr cow got so many population need to survive. How can his simply buy thing without any return. Because there is saving for future needs. Those paper does not mean everything. Mr cow also worry one day monkey will use weapon to grab all the assets of him. How can his still support them full stomach.

Monday, September 12, 2011

Over used funds in hand

Misused or over used funds in hand make you suffering. Like those day, shares market fluctuated like hell. Why it can be happen? Hard working people stay in German, Holland, Finland and Denmark must work hard for another 14 countries people. Because they are over spending. (Euro money Zone comprising of 17 countries). Similar like you work for neighbour but they refuse to work to refund the debt. Damn shit feelings on you, furthermore they also asking more loan at now by way of subsidy of more guarantor given by you.

Euro Zone should demolish immediately and maintain it at 4 countries. Other should think about a way to qualify be a members. They should aware that they are not qualify to be a member. Shares market represented money. So, if money become useless indirectly brought the shares become useless paper.

USA should deem they are created such issue and quickly join up the government treasury with FED. So, they should be stop it by two way of using funds in hand. Because one party spend money by way of another party print money to settle it. That is a big corn deal.

Fat Cat

Now day a person who enjoy the higher benefit in the company and at last the company go for bankruptcy application. The personnel then we named it as " Fat Cat". In one company a leader always said they are eligible to enjoy such benefit because he/she can bring one company created the historical high revenue for the said company. But normally we only could found that the is rare or maybe one or two person can did that.

So, to balance up the poor and rich distance we should adopt a new system to rectify unusual things. We should encourage those people have good talent with good salary and benefits but that should excluded the company directors receive the same benefit because they have enjoying high dividend from company profit.

So, hard working skill people earn higher and shareholders cum directors enjoy profit/dividend. Government also can imposed some taxation for the transfer of share if the original shareholders pass away. Like 30% of sharesholding should transfer to special trusted funds for existing employee or if they insist transfer to relative the payment of taxation should be incur 50% to government. It can help employee enjoying the growth of the company as well as ignoring someone hate the beneficiary or 2nd generation of the fonder. And so, population like to work because he/she got long term benefit for him/her.

So, if someone reluctant to do that the government should tax on 50% of share transfer and restructure it accordingly to meet the requirement of market. It maybe stop historical business go for bankruptcy with operate by unknown/unskill person .

Fat Cat lose something in this area because every one can be a better than them. So, indirect way encourage people develop a base of training ground to the employee because every one appreciated company which can respect skill people/workers.

Sunday, September 11, 2011


Why you are destitute? Some how Warrent Buffet claim that you are choosing the wrong stocks. Bill Gate claim that you do not have any innovation skill. You father said that you are stupid.

A world view that if you want to be riches man, you must know how to manipulate the power or convince politician ignore you assets paying any tax. Who supposing can ignore that? A illegal way import some necessity thingy to escape Custom Tax. Refer those riches man, how can they can save so much of money in hand. Is it they used some way to escape the tax? Maybe that is true, before the custom department set up and may be those day such tax rule no so complete. During that period of time, they accumulate numbers of assets and now become multi million rich.

Those day employee always need to plan his/her own salary for spending. We can't escape because the company will report accordingly to Inland Revenue Board. In others word, company must fulfil requirement of taxation system. On the other hand, they keep on encouraging paid higher salary to Directors. So that easily found that in one company, a 100 employee paid actually lower than one director salary. So, the extra money earn by director indirect encourage them do more investment to accumulated the assets. Similar theory now still applying by Warrent Buffet.

Saturday, September 10, 2011

How to Tax on Riches Man

I believed most of the minority interest on listed company always claim that such directors received some much of benefit from the company. If Government need to implemented the tax and help company run in more transparency. It should be imposed a tax on their salary by way of not allowable directors salaries and benefits taken up as deductable expenses into account.

So, encourage them by way of give to staff and workers salary extra allowances by way of free tax on extra 50% deduct as expenses into company account. Set a limit for every director yearly income should not more than 500k to 750k per annum. The excess pay out consider add back as income and maybe impose that extra income tax on all excess payment of salary to directors. Encourage them by way of payment more dividend on that to push up the economic. On the same time, whoever employ a staff or worker more than 6 months, incentive tax will given on that.

The impact of current instability of economic, should encourage people more work and should give a extra allowances on those people who work more than 10 years in his career. Every 10 years give another special allowances on that.

President of USA should apply multi way of deduction on long services workers by way of given more incentive on that. Company which can employ 50 to 100 staffs or workers with 5 years above. Should enjoy more discount on taxation.

Those company can provided Staffs or Directors shares option should pay double tax on first 5 years and subsequently reduce it in the next five years.

Friday, September 9, 2011

Low Cost Flats- PPR

Yesterday, I was read a news about the low cost flat. The minister said they going to implement the new system PPR to identify the low cost flat. Current policy said every new housing project must have develop low cost flat for poor people. The rule did not emphasis who is entitle and did not bar any transfer of the said low cost to rich man.

So, who ever have money can buy it and rent it out. Based on the cost set up by Government, the maximum selling price is RM42,000. So, those people use several ways to grab it as own assets. Finally who ever is poor must rent from them.

I do agree Government apply PPR because the policy set up to assist low income group and not purpose for people treated it as improving the economic requirement. I am just worry the minister think it and would not adopting it because of politic agenda.

The new system implement it can help poor people stand in the strong ground and they do not worry about their low income can not survive in the high quality environment. So that the contribution of their effort into country economic would not wasted. Asia countries should be able help such group people by way of indirect support of their living cost rather than follow Euro and USA given the welfare by way of encourage them free of work.

Those poor group should understand such policy give priority to them to live in the standard way and not luxury way. There should not allow them free trading on low cost with good profit margin. Government should make a strong policy discourage those politician use these as equipment for politic agenda.

Economic strong base create a good environment of investments. Those rich people should not in the list of owner of low cost flat. Shares market reflected the real valuable assets and not so easy affected by external issue.

Apart of the above, Government should think to restructure the Government Link Trust Funds. Like EPF, Tabung Haji, Socso, LTAT and others Islamic Funds. It should be priority on consolidated its capital, rather than use some other way to cover it and inform contributors they can receive the good yield/returns. If not one day the inflow or outflow can not balance. it will be like Greece or Italy or Pyramid game, the bubble will burst.

Tuesday, September 6, 2011

Why you are so worry about the taxation

Without the tax, country can't develop and economic does not step ahead with no infrastructure. There is no share market for you to invest. Rich people worry their assets not safe with no enforcement team. But due to our social respect riches man so most of the facilities misuse by certain group of people. So we are starting worry the taxation and use it to employ in-qualify people to develop the country.

As an ordinary people, feel that hard earned money easily deducted with taxation. With the payment of tax to a group of personnel do not know well manage the said funds. It was always brought frustrated and disappointed. Indirectly bring another group of population sitting there with reluctant to work and demand high social welfare.

Recently there is a big argument on additional tax on those house cost more than a million in Malaysia, Klang town. The newspaper was interview few people with opinion of objection. When refer to their identical you should aware they are high medium range people and maybe have own few units of million dollar houses. Are they opinion should acceptable?

So, we are start worry such opinions will divert authorities attention and finally we are suffer on that. Ordinary people no choice have to agree with those system because we are employee. So, monthly salary cannot hidden up and Inland Revenue Board easily detected you and force you to pay on that. Those people with few units of shop lot with 6 foreign workers only pay annual tax about few hundred dollar. If enforcement team hard working a bit, they can noted and easily help country collect more than billion of dollars.

Sunday, September 4, 2011

1250 -1

What is 1250? Maybe is 12.50 a burger. Maybe is RM1250 a i phone. Maybe is 1250 kilometer. Maybe is USD1250 per ounce of gold.

So many possibility on that. If you view is zero base, that is so much of difference, If yours view is 1500 or 2000 points of index. That is dangerous. Which level is comfortable for you?

So, actually it does not matter because when you are decided to buy in and aim for return about 30 to 50 points. Every level or point is correct that is provided the trend is up. 1250 does not stop you lose everything. Someone bought a beg cost 1250 but you only needed a beg cost 50. So , that is not a big deal on price.

Normally if i have predict the level, I will start buying around 50 points from that predicted level. Those analyst just telling you what is the level they hope to see. Not 100% it can be reached. So, they use people money to test the level, if they are right they show out to public. If they are wrong, they kept it. Just wonder they always said the value of the assets is there, but adjustment time they are keep on through out. So, what is the real value of the said assets.

Saturday, September 3, 2011


Soon, we can see KLCE index reach 1250 points. Recently, CIMB, Maybank and Axiata those related to Government faced strong selling. That is not ended yet although yesterday was recovered. The fears continue spread over because the Euro zone and USA politician still insist that population no need to work for income. The continue encourage them relax in their life.

A group of people use to be take out some benefit from Government to live. They claimed that this is their entitlement. No one can retrench them because they are no a company's employees.

So far, as long as you had made some prediction on index level. It was started you are actually mislead by some info. Hence, every prediction is wrong and shouldn't do any holding position when reach yours expectation.

Friday, September 2, 2011

Levy Tax

"Good taxation system help to established capital market step by step grown up instead of create the bubble"

Those day, Government had imposed some levy tax to discourage uncertain demand. Like, palm oil price above RM3,000 metric ton should pay extra tax. Withholding tax on engagement of foreign professional services and levy tax on engage foreign worker in state. So, are that effective?

The demand and supply subject to cost. The demand on lower cost to produce the product for supporting the production. So, Government assume that supply of workers from oversea is necessary. This excuse denied local people work harder subsequently bring youngest simply join in the colleague for further study. But most of the students does not have such qualification and basic knowledge to pursue their study. Finally, create a group of people imagine they are qualify but actually without the skill to support the labor market. This group of youngest hate to carry the tough task and ignore the hardworking spirit. Sitting under the sun and think about the fast money.

So, levy tax does not helpful to develop our country with strong support. Levy tax should imposed on those with few houses and few luxury car. It shouldn't apply on one time off. It should collected in the annual basic. If someone hold more than 2 houses and one the house use to rent out. The levy tax should impose on 10% of the value of house. If whoever used low cost flat to generated the rental, that should be 150% on the rental. If someone holding 2 cars, the road tax should be double and not allow companies taken up the car expenses as deductable cost.

The above example of impose the new taxation actually highlighted Government should have more way to adopting the new system to improve our productivity. Instead of use taxation system to cover/help such companies to enjoy the monopoly business. Of course, every system should support by strong enforcement team with strong judgement laws. Otherwise, system will diverting as power and finally use it as weapon to destroy someone which government does not like it.