Tuesday, 24 March 2015

IF, and that is a big if...

IF, and that is a big if....

one could turn back the time, LOVE wished Pinky did not notice and buy her in the first place.

Perhaps...

things would turn out to be better...both LOVE and Pinky would continue to live their own lives...

OR

IF, and that is a big if...

Pinky noticed LOVE earlier, would things turn out to be better?

Maybe, and only maybe...

Pinky would pay more attention on LOVE...

LOVE's language of love is Quality Time...

Would Pinky spend more time with LOVE?

IF, and that is a big if...


Monday, 23 March 2015

What Will Be Taxed With GST?

By Rebecca Shamasundari . 9 March 2015 

Goods and Services Tax (GST) will be implemented effective April 1, 2015 and the rate is fixed at 6%. Sales tax of 10% and service tax of 6% will be replaced with GST. Under GST, most of the goods and services (except basic necessities) will be charged at every stage of the supply chain – even the ones that was previously not charged with Sales and Service Tax (SST). This means we will likely be paying more to purchase or use these goods and services, which were not taxed previously.

1. Credit card

The RM50 government tax charged annually on credit cards and the RM25 fee for supplementary cards, will be abolished from April 1, 2015 when the Goods and Services Tax (GST) is implemented. Instead, the 6% GST will apply on the credit card’s annual fees – which can range from RM70 to RM1,000 or more annually, depending on the type of card.

However, there will be no GST charges if the annual fee is waived, for example for free-for-life credit cards or those with annual fees waived, with stipulated minimum spending or transactions on a monthly or yearly basis.

To reflect the changes, the GST charged will be reflected as a separate item in the credit card statement. However, purchases will be reflected as a total amount inclusive of GST. There is some good news though, loyalty points or cash rebates will be given based on the 6% GST paid when using the credit card for retail purchases.

2. Books and e-books

The standard 6% GST will be imposed on all types of books except for dictionaries, encyclopedias, newspapers, texts, references, works and religious books. These books will be zero-rated and not be subjected to GST.

Local e-book suppliers like e-sentral and MPHonline will also be charging GST whereas foreign firms such as Google Play and Apple iBookstore would not be.

3. Housing

GST will also see basic construction materials such as cement, bricks and sand being taxed the standard 6% GST rate for both residential and commercial properties. Currently, these raw materials are not taxed under the existing SST. Heavy machineries such as cranes will be taxed too. Property developers normally do not buy such heavy machineries but rent them from other contractors – and it typically is factored into the construction cost.

Steel, bricks, and sand make up 44% of the construction cost and with these being charged GST, the cost of building a property is inevitably going to increase. Property companies expect GST to result in a maximum of 2.6% increase in house prices.

When the GST is implemented in April, residential property including SoHo (small office/home office) will be exempted. However, commercial properties including SoFo (small office/flexible office) and SoVo (small office/virtual office) would be subject to the 6% GST.

4. Fuel

RON95, Diesel and LPG (liquefied petroleum gas) will be exempted from GST implementation. However, RON97 will be subjected to the new 6% GST.

5. Electricity

A household will have 6% GST charged to the electricity bill for usage above 300 units.

6. Used cars

Currently, used cars are not subjected to SST and is not a GST zero rated item either. Therefore the car industry predicts that used cars will be subjected to an extra 6% tax after the implementation of GST in April.

7. Banking services

The RM1 MEPS fee charged when we withdraw from another bank’s ATM will increase to RM1.06. No GST will be charged if you make a withdrawal from your own bank’s ATM.

Similarly, other services offered by the bank, such as money transfers (e.g. cashier’s order and demand draft), telegraphic transfers, money exchange, loan, cheque, credit card, and debit card will see 6% GST charged to its service, commission or subscription fee.

8. Tuition fees

Beginning April, 6% GST will be imposed on tuition fees, as tuition centres are not categorised under educational institutions.

9. Beauty services

The price of beauty services like manicure, and hair and facial treatments will be subjected to 6% GST too. Massage services are also chargeable with the GST if the annual turnover for such businesses is RM500,000 and above. Aside from beauty services, cosmetics and other products for skin, hair and body care will also be charged GST.

However, operators registered to implement the GST will be able to lower their costs by claiming the input tax credit for premises rental fees, electricity costs and equipment purchased to carry out the services. Input tax refers to the GST paid by businesses on the purchase of goods and services used to perform their businesses.

Beauty products sold at airports as duty-free items will not be subjected to GST.

10. Insurance fees

All insurance policies except for life insurance will be charged 6% GST from April. GST would also impact all traditional and investment-linked policies which had medical, critical illness or personal accident benefits attached.

For traditional policies, the GST is imposed on the premium, while for investment-linked policies, it is charged on the insurance charges. For investment-linked policies, insurance charges will escalate with age because of higher insurance charges.

While it is still not clear how much prices will increase, or in some instances, decrease, it is prudent to know your exempted and zero-rated items to avoid opportunists merchants who may be profiteering on GST.

With less than a month away before GST is actually implemented, it is wise to understand how GST will affect both our daily or seasonal spending. This will help us to plan our spending ahead, to minimise the negative effect of GST.


R.I.P. Mr Lee Kuan Yew

I do not know much about Mr Lee Kuan Yew. 

The deepest impression I had on Mr Lee Kuan Yew was, he had a deep influence on my father.

My father admires Mr Lee Kuan Yew, the founding Prime Minister of Singapore. As for myself, I think Mr Lee is someone I salute and respect, for the things that he had done for Singapore.

Adopted from "Free Malaysia Today"

Quotable quotes from Lee Kuan Yew
March 23, 2015 (Monday)

"There is an end to everything and I want mine to come as quickly and painlessly as possible, not with me incapacitated, half in coma in bed and with a tube going into my nostrils and down to my stomach."


SINGAPORE: Here are some notable quotes from Singapore’s founding prime minister Lee Kuan Yew, who died Monday at the age of 91.

On Japan defeating colonial power Britain to occupy Singapore in 1942:

“The dark ages had descended on us. It was brutal, cruel. In looking back, I think it was the biggest single political education of my life because, for three and a half years, I saw the meaning of power and how power and politics and government went together, and I also understood how people trapped in a power situation responded because they had to live. One day the British were there, immovable, complete masters; next day, the Japanese, whom we derided, mocked as short, stunted people with short-sighted squint eyes.”

After World War II when the British were trying to reestablish control:

“… the old mechanisms had gone and the old habits of obedience and respect (for the British) had also gone because people had seen them run away (from the Japanese) … they packed up.

“We were supposed, the local population was supposed to panic when the bombs fell, but we found they panicked more than we did. So it was no longer the old relationship.”

As a law student in Britain:

“Here in Singapore, you didn’t come across the white man so much. He was in a superior position. But there you are (in Britain) in a superior position meeting white men and white women in an inferior position, socially, I mean. They have to serve you and so on in the shops. And I saw no reason why they should be governing me; they’re not superior. I decided when I got back, I was going to put an end to this.”

On opinion polls:

“I have never been overconcerned or obsessed with opinion polls or popularity polls. I think a leader who is, is a weak leader. If you are concerned with whether your rating will go up or down, then you are not a leader. You are just catching the wind … you will go where the wind is blowing. And that’s not what I am in this for.”

As a leader and admirer of the 16th century Italian political philosopher Niccolo Machiavelli:

“Between being loved and being feared, I have always believed Machiavelli was right. If nobody is afraid of me, I’m meaningless.”

On his iron-fisted governing style:

“Anybody who decides to take me on needs to put on knuckle-dusters. If you think you can hurt me more than I can hurt you, try. There is no way you can govern a Chinese society.”

On his political opponents:

“If you are a troublemaker… it’s our job to politically destroy you… Everybody knows that in my bag I have a hatchet, and a very sharp one. You take me on, I take my hatchet, we meet in the cul-de-sac.”

On democracy:

“You take a poll of any people. What is it they want? The right to write an editorial as you like? They want homes, medicine, jobs, schools.”

On justice:

“We have to lock up people, without trial, whether they are communists, whether they are language chauvinists, whether they are religious extremists. If you don’t do that, the country would be in ruins.”

On his policy of matching male and female university graduates to produce smart babies:

“If you don’t include your women graduates in your breeding pool and leave them on the shelf, you would end up a more stupid society… So what happens? There will be less bright people to support dumb people in the next generation. That’s a problem.”

On criticisms over the high pay of cabinet ministers and senior civil servants:

“You know, the cure for all this talk is really a good dose of incompetent government. You get that alternative and you’ll never put Singapore together again: Humpty Dumpty cannot be put together again… and your asset values will be in peril, your security will be at risk and our women will become maids in other people’s countries, foreign workers.”

On religion:

“I wouldn’t call myself an atheist. I neither deny nor accept that there is a God. So I do not laugh at people who believe in God. But I do not necessarily believe in God — nor deny that there could be one.”

On his wife of 63 years, Kwa Geok Choo, who died in October 2010:

“Without her, I would be a different man, with a different life… I should find solace in her 89 years of a life well lived. But at this moment of the final parting, my heart is heavy with sorrow and grief.”

On death:

“There is an end to everything and I want mine to come as quickly and painlessly as possible, not with me incapacitated, half in coma in bed and with a tube going into my nostrils and down to my stomach.”

On rising up from his grave if something goes wrong in Singapore:

“Even from my sickbed, even if you are going to lower me to the grave and I feel that something is going wrong, I will get up.”

- AFP

Friday, 20 March 2015

When You’re In A Good Relationship, You Learn These 10 Things

Source: The Idealist Revolution

1. Misunderstandings are inevitable.
Misunderstandings are going to happen. If you take your partner’s words one way, then learn they meant something totally different, don’t punish them. Let it go. Bringing it up all the time is only going to bruise the relationship and cause communication problems later. Sometimes what you say or do will be taken the wrong way, and you’ll get frustrated that your partner doesn’t understand. Take a step back and realize it’s not a big deal. Misunderstandings are made to be swept under the rug because they’re so minor. They only become problems if you let them grow bigger and mean more in the scope of your relationship. Be laid back and forgive misunderstandings.

2. Learn to trust them.
You have to trust your partner. Why would you share your life with someone when you think they’re doing something wrong every time you turn your back? If you don’t trust your partner to be faithful, honest, caring, or anything else, then you’re not in a good relationship. The best relationships begin with a deep trust, and even if problems come up (and they will!), the trust is strong enough to keep you together.

3. Let yourselves miss each other.
You’re in love, so you want to be together all the time! It’s so fun to cuddle all night and be together all day, but when will you have time to experience different things? When you go to separate workplaces or schools, you experience things that will give you something to talk about later. When you go out with your friends and your partner spends time with theirs, you have time and space to yourself and come back to each other refreshed. You have a chance to miss each other, and it helps you really understand the value of your relationship. Missing someone is great because getting to see them after that period will make you so happy and so sure of your relationship.

4. Encourage growth and change.
In a good relationship, both partners are encouraged to grow and change. You have one life to live – you should explore it to the fullest! If you want to quit your job and go back to school, your partner should support you. If you want to try something new or go back to something old, you should find support in your relationship. And you should give this support in return. Encourage your partner to explore hobbies and interests and meet new people. If you want your partner to stay the same, you’re going to have a very boring life together.

5. Compromising doesn’t mean you’re weak.
Compromising doesn’t mean “giving in.” It doesn’t mean that you’ve lost the fight. In fact, it’s the opposite. Do you know how hard it is to compromise sometimes? You want your way because it sounds right and makes sense to you. Your partner is way off base with their suggestions. Take a step back and look at the argument diplomatically. What’s the logical conclusion? If your partner is right, don’t be afraid to say so. Accept their way, or modify both of your solutions to be half and half. The important thing is not getting your way, it’s staying in your relationship and helping it grow. Compromising will definitely help your relationship grow.

6. Admit your weaknesses.
Your partner doesn’t expect you to be a superhero, and hopefully you don’t expect that of them! We’re all human; we all have flaws. It’s ok to let these show. In fact, to have a stable, serious relationship, you need to let your weaknesses be known. Your partner will be more sensitive to things that bother you, and can help build you up in areas where you need some help.

7. Sometimes you can only accept things, not fix them.
People have baggage. You have some. Your partner has some. Can you go back and erase all of this? Nope! You’re stuck with it, and have to learn to deal with it. Some things are easier to get over than others, but the reality is that sometimes, you can’t fix things. You can’t make problems go away. You have to accept them and get over them and move on, or else your relationship will crumble.

8. Forgive quickly and truly.
Whenever you have a fight, don’t worry about who wins or who loses. Learn from the fight – from what was said as much as from how it was resolved. Once you learn from a fight, you can apply that lesson to your relationship to avoid trouble later. That’s all well and good, but you’re not done! Forgive your partner! Forgive yourself. The fight is over, you’re past it, now let it go. Never hold anything against your partner because the resentment will build until you don’t want to be with them.

9. Never expect anything.
Don’t expect your partner to read your mind, or to bring you breakfast in bed, or to offer to wash the dishes. It’s not going to happen. You can’t expect anything from anyone – you have to make it known. Communicate. Make sure your partner knows what you expect from the relationship, as well as your opinions on a wide variety of issues. This will help them act considerate towards you, but still – don’t expect anything!

10. Show your feelings.
The worst thing you can do in a relationship is play games. Don’t tease your partner; don’t “reward” good deeds with love and affection. You have to make sure your partner always feels loved. You can be happy with them or be mad at them – it doesn’t matter – they just need to feel loved. They need to know your feelings in the moment as well, don’t get me wrong. But make sure you’re showing your feelings in a way that they won’t be misunderstood.


Monday, 2 March 2015

Baking Soda Does Wonders With Your Skin And Hair

Baking soda is great for cleaning purposes for the kitchen, bathroom, and hair. Yes, you read that correctly, baking soda can work wonders for your skin and hair!

Baking soda has been used for many years and many generations in some families as the cleaning must have for their homes. I have to admit, it is a pretty great thing to have in your home. It has so many uses from keeping your food fresh in the fridge to rejuvenating the skin.

Baking soda can be used in a lot of beauty products like body scrub to toothpaste. We’re going to focus on the skin and hair this time. Baking soda is a slightly abrasive ingredient, but it can do wonder’s for the skin and hair. Why don’t you try out some of these things?

1. Face mask: If you mix baking soda with water you will get a mixture that is great for uprooting dead skin cells from the face.

2. Get rid of skin deposits: Try adding baking soda in with your shampoo, this will get rid of layers that are stored in the hair.

3. Clean those brushes: using baking soda to remove hair from your combs and brushes is like using it for shampooing your hair. Boil some water and add baking soda to it, then soak your brush in the water.

4. Soften the cuticles: Mix baking soda with water and apply it to the cuticles and nails. Gently rub the mixture onto the cuticles and you will get rid of the cuticle issue.

5. Foot care: Mix baking soda with heated water and it will relax the skin and your feet will feel totally loose.

6. Get rid of warts: Mixing lemon juice and baking soda together can uproot undesirable warts. Combine the two together and apply it to the wart and then leave it alone for a while. Then, flush the wart with water.

7. Exfoliation: Mix 3 parts baking soda to 1 part water and rub over the skin to get a smooth feel.

8. Dry shampoo: Mix 1/4 cup of arrowroot powder, 1 tbsp baking powder, and 1 drop of lavender essential oil. Then, dip a large wide brush into the mixture and apply it to the roots of the hair. The arrowroot powder will soak up the oil and the baking soda will also absorb oil and odor.

9. Soothe a sunburn: Mix 4 tbsp baking soda into a quart of water and with a wet washcloth, apply the mixture to the burn.