Sunday, 10 April 2016

PAJAK MEMAJAK KITE DI AR RAHNU

Belajar Memajak Di Ar Rahnu




Assalamualaikum semua..
Harini, saya nak cerita sekali lagi tentang Ar-rahnu..bukan ape, sebab masih ramai yang tertanya2..camne nak pajak kat ar-rahnu ni..ape yang kena bawak, ape yang kena ade, ape yang itu..ape yang ini..ehehhe..takpe2..kali ni saya cuba ceritakan secara ringkas dan padat supaya semua orang boleh paham.

ok, mula2, saya nak cerita dulu tentang pelaburan emas dalam buku akaun. Nak cerita sikit je..supaya anda nampak beza dengan lebih jelas antara emas dalam buku akaun dan emas fizikal.
Contoh emas dalam buku akaun : Public Bank Gold Investment Account, MaybankGoldSavingPassbook Account (GSPA) dan lain2..
 
ok, sebenarnya emas fizikal dan emas buku pelaburan ada kelebihan masing2..cuma didalam teknik ar-rahnu, hanya emas fizikal saje yang boleh digunakan. Emas dalam buku pelaburan boleh tak boleh guna cara ini.
Biasanya, teknik ar-rahnu digunakan bila pemilik emas tersebut memerlukan/nak guna wang pada satu-satu masa tertentu.
Bila pemilik tersebut nak guna wang, terdapat dua cara untuk mendapatkan wang, iaitu merompak sori bukan dengan merompak..hehe..
  1. menjual emas yang ada padanya
  2. memajak emas tersebut
Cara pertama iaitu dengan menjual emas, kedua-dua jenis emas pelaburan boleh gunakan teknik ini.
Situasi pertama
Di mana, bila harga emas sedang naik, boleh la jual emas yang ada pada kita tu. Dengan cara ini, kita boleh dapat untung sebab jual pada harga yang tinggi. Lebih tinggi daripada harga emas semasa kita mula2 beli dulu.
Situasi kedua
Tapi, bagaimana kalau masa kita nak jual tu, harga emas tengah rendah? Time tengah terdesak nak guna duit, harga emas turun pulak. Kalau kita jual time tu, kita akan rugi. Betul tak?
Situasi ketiga
Kita sayang nak jual emas tu, sebab masa kita beli tahun lepas atau 2-3tahun lepas harga emas tu baru dalam RM100-120/gram. Tapi sekarang ni dah RM140/gram..Kalau kita jual emas ni sekarang, nanti nak beli balik harga emas dah naik..so makin mahal..
Jadi, jika anda sayangkan emas tersebut maka teknik ar-rahnu memainkan peranan penting disini.
Sehingga kini, ar-rahnu yang terbaik adalah AGRO Bank.
  1. Sebab Agro Bank tawarkan nilai yang lebih tinggi dari ar-rahnu lain
  2. Sebab Agro Bank terima semua jenis emas jongkong, syiling, barang kemas.
  3. Tapi malangnya sehingga kini semua ar-rahnu x terima emas dalam buku pelaburan
p/s: jadi kepada pemilik emas dalam buku pelaburan, memang teknik ni x sesuai untuk anda. Tapi takpe, boleh belajar untuk tambah ilmu.
Jadi, apakah keperluan yang anda perlu tahu sebelum nak pergi pajak kat ar-rahnu Agrobank?
  1. Bawa Kad pengenalan
  2. Kena ada akaun di Agro Bank (kalau takde, cuma perlu buka akaun RM20 saja minimum)
  3. Bawa Emas yang nak dipajak
  4. Kalau emas tu ada sijil dia, bawa bersama 
ok, kalau sebelum ni, harga emas 999 kalau nak pajak kat AGRO Bank cuma RM118.20/gram

Lepas tu, harga emas yang saya pajak untuk emas 999 dah naik, saya pun x sedar bila dia naik, tapi yang pasti masa saya pajak masa tu dalam bulan jun ke bulan julai camtu, dah naik jadi RM126/gram.
Nak tunjuk contoh pon saya dah pergi tebus dah emas tu..hehe
Lepas tu, 2-3 hari nak raya, saya pergi pajak lagi..maklum la..nak raya nak guna banyak duit 
Kali ni, masa saya pajak tu, harga emas dah naik jadi RM148.50/gram
Ok jom kita tengok contoh pengiraan nilai pajakan emas tersebut.
ok, macam mana nak kira?
harga emas untuk 999 yang ditawarkan oleh AGRO Bank = RM148.50/gram
Berat emas yang saya pajak = 100gram
Nilai Marhun = Nilai emas saya
= RM148.50 x 100gram
= RM14,850.00
Jika ini adalah pajakan pertama, saya hanya layak untuk meminjam 60% sahaja dari Nilai Marhun
Memandangkan pajakan ini bukan pajakan pertama saya, jadi saya boleh pinjam sehingga 70% dari Nilai Marhun emas saya.
Jadi, saya layak untuk meminjam,
75% x RM 14850
= RM11,137.50
tapi kalau anda lihat nilai pinjaman saya di atas hanya RM10,000.00 saja kan? Sebenarnya saya saje je minta RM10,000.00 Jadi terpulang kepada kita nak pinjam brapa banyak cuma maksimum pinjaman adalah RM11,137.50
ok, macamana kira upah simpan?
Upah simpan kita telah ditetapkan hanya RM0.60sen untuk setiap RM100 nilai emas kita (nilai marhun)
Sebab nama pun UPAH SIMPAN jadi, dia akan caj upah untuk dia simpan emas kita tu bukan ikut brape banyak yg kita pinjam.
jadi, pengiraannya macam ni;
RM14850.00 (nilai marhun) x 0.60sen(upah simpan) bahagi RM100 (sebab untuk setiap RM100)
= RM 89.10/bulan
disebabkan kita boleh meminjam sehingga 6 bulan pertama, jadi anda boleh lihat nilai upah simpan kat gambar diatas adalah RM534.60 (RM89.10 x 6 bulan)
Kalau anda lihat, ansuran bulanan saya adalah sebanyak RM1666.66 yang ni tak termasuk upah simpan lagi. sebenarnye terpulang pada kita, nak bayar RM1666.66 setiap bulan ke, atau nak bayar rm2000.00 setiap bulan ke..atau xmo bayar langsung tapi dah cukup 6 bulan baru nak bayar pon boleh jugak..bayar sekaligus RM10,000.00 + RM534.60 untuk upah simpan 6 bulan.
Tapi, kalau kita x mampu bayar untuk jangka masa 6 bulan, boleh di ‘extend’ lagi selama 3 bulan, kalau x mampu lagi boleh lagi di ‘extend’ untuk 2 bulan lagi..jadi total semua 11 bulan la..cuma upah simpan tu kena kira balik untuk 11 bulan..ada pahammm??
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DESTINASI BESERTA BAJET......JOM USHAAA TENGOK.

8 Affordable Beach Destinations For A Relaxing Getaway


  • 1. Langkawi, Malaysia

    • Pulau Langkawi is a relative cheap place to visit as it is a duty-free island. A can of beer could cost as little as RM2 while a bottle of premium vodka would set you back about RM40. The cost of food depends a great deal on where you choose to eat. You could get a cheap breakfast of roti canai for RM2 or frequent high-end resorts for burgers and fries that could cost RM30. Motorcycles and cars are available for rent from as low as RM40 to RM70 a day. Tours and water sports are slightly more expensive with island hopping priced at RM30 for a half day, paragliding at RM80, and waterskis at RM60.
      says.com
    • Flights from Kuala Lumpur to Langkawi starts from as low as RM49. You could also get package deals of return flights and 2 nights stay in a nice hotel from RM259/pax.
      airasiago.com.my
    • Check out these recommended hotels in Pulau Langkawi:
      Green Village Langkawi Resort, 3-star, from RM140/night
      Four Points by Sheraton, 4-star, from RM320/night
      More budget to splurge on hotels? You can pamper yourself at The Danna Langkawi, 5-star, from RM980/night.
      airasiago.com.my

  • 2. Bali, Indonesia

    • The tourism boom in Bali has raised price tags around the island but Bali still remains a cheap place to visit. A meal at a warung (food stall) can cost as little as 10,000Rp (RM3) per meal. If are not renting a motorbike that costs from 50,000.00Rp (RM14) to 85,000Rp (RM23), you could flag down a metered taxi that starts with a flag fall of 6,000Rp (RM2). Most taxi trips cost about 20,000Rp (RM6) to 90,000Rp (RM24) if you are not leaving town. Alternatively, hire a driver for a full day of sightseeing from 450,000Rp (RM120) to 750,000Rp (RM200).
      says.com
    • You could get flights from Kuala Lumpur to Bali from as low as RM199. Package deals for return flights and two nights stay in a nice hotel starts from RM399/pax.
      airasiago.com.my
    • Check out these recommended hotels in Bali:
      d’Lima Hotel & Villas, 3-star, from RM79/night
      Park Regis, Kuta, 4-star, from RM165/night
      The Widyas Luxury Villa, 4.5-star, from RM364/night
      More budget to splurge on hotels? You can pamper yourself at the Sofitel Bali Nusa Dua Beach Resort, 5-star, from RM653/night.
      airasiago.com.my

  • 3. Lombok, Indonesia

    • 20 minutes away from Bali is Lombok, the quieter, less developed and equally affordable alternative. You might find Senggigi a tad bit more expensive but look around and you will find inexpensive places. You could easily get a meal for 50,000Rp (RM14) and large beers for 30,000Rp (RM8). For car rentals, expect to foot about 150,000Rp (RM40) to 175,000Rp (RM47) while the price range for hiring a driver is 350,000Rp (RM94) to 700,000Rp (RM188) for a day.
      says.com
    • Fly from Kuala Lumpur to Lombok from as low as RM209. Alternatively, package deals for return flights and two nights stay in a nice hotel starts from RM579/pax.
      airasiago.com.my
    • Check out these recommended hotels in Lombok:
      Villa Sayang Boutique Hotel and Spa, 3-star, from RM199/night
      Pacific Beach Cottages Lombok, 3-star, from RM121/night
      The Jayakarta Lombok Hotel & Spa, 3.5-star, from RM250/night
      More budget to splurge on hotels? You can pamper yourself at The Chandi Boutique Resort 4* from RM540/night.
      airasiago.com.my

  • 4. Krabi, Thailand

    • Krabi is slightly more expensive than other areas in Thailand; however prices in general are much, much lower than in the West. So how much spending money to bring? This depends on how active you are planning on being: by far the greatest expense you will encounter here are the sightseeing tours and/ or daily transport rental (car, boat). Below we list some average prices in Thai Baht to help you plan your budget:
      yourkrabi.com
    • Flights from Kuala Lumpur to Krabi starts from as low as RM60.51. Besides that, package deals of return flights and two nights stay in a nice hotel starts from RM414/pax.
      airasiago.com.my
    • Check out these recommended hotels in Krabi:
      Srisuksant Reosrt, 4-star, from RM167/night
      Beyond Resort Krabi, 4-star, from RM248/night
      More budget to splurge on hotels? You can pamper yourself at the Centara Grand Beach Resort & Villas Krabi, 4.5-star, from RM473/night.
      airasiago.com.my

  • 5. Phuket, Thailand

    • Phuket is Thailand's largest island and perhaps its most famous. It is a popular destination for many travellers as it has many high end resorts, beautiful beaches, bars, restaurants, and a variety of activities. Here are some sample expenses in Thai Baht which come from the budgets of actual travellers:
      One Day Boat Tour: B900.00
      Longtail Taxi (for Two): B300.00
      Casual Dinner (for Two): B289.00
      Thai Noodles: B90.00
      Taxi from Airport to Phuket Town: B250.00
      Beer: B85.00
      Water: B13.00
      budgetyourtrip.com
    • You can fly from Kuala Lumpur to Phuket from as low as RM79. Package deals of return flights and two nights stay in a nice hotel starts from RM349/pax.
      airasiago.com.my
    • Check out these recommended hotels in Phuket:
      Horizon Patong Beach Resort & Spa, 3.5-star, from RM166/night
      Banthai Beach Resort and Spa, 4-star, from RM239/night
      More budget to splurge on hotels? You can pamper yourself at the Amari Phuket, 4-star, from RM777/night.
      airasiago.com.my

  • 6. Koh Samui, Thailand

    • Ko Samui is an island of the eastern shore of Thailand in the Gulf of Thailand. It's a relatively large island and on of the most popular on the eastern side of the country. You can choose to either fly into Ko Samui or arrive by boat. The airport is about a twenty minute ride from Chaweng and costs about 120 baht for the ground transportation. Here are some sample expenses in Thai Baht which come from the budgets of actual travellers:
      Scooter Rental: B75.00
      Gas for Scooter: B40.00
      Island Tour (Six Hours): B2,700.00
      Airport Taxi: B440.00
      Casual Lunch (for Two): B215.00
      Taxi- Na Thon Pier to Lamai Beach: B420.00
      Minibus- Airport to Chaweng: B120.00
      budgetyourtrip.com
    • You could fly from Kuala Lumpur to Surat Thani from as low as RM79.
      airasiago.com.my
    • Check out these recommended hotels in Koh Samui:
      Phangan Island View Hotel, 3-star, RM99/night
      The Sarann, 4.5-star, from RM268/night
      More budget to splurge on hotels? You can pamper yourself at the Sandalwood Luxury Villas, 5-star, from RM583/night.
      airasiago.com.my

  • 7. Boracay, Philippines

    • Compared to elsewhere in Asia such as Phuket or Goa or Bali, Boracay Island is more of a mid-range destination for costs. There are fast-food restaurants and many Filipino places where all the locals eat that are quite cheap, but once you sit down at a restaurant on or near the beach the price goes up. A budget meal could cost about RM10 while beers could cost from RM4 to RM9. Tuk tuk from ferry port to hotels range from RM3 to RM12. As for massages and boat trips, expect to fork out between RM18 to RM34.
      priceoftravel.com
    • Flights from Kuala Lumpur to Boracay starts from as low as RM199. You could also get package deals of return flights and four nights stay in a nice hotel from RM645/pax.
      airasiago.com.my
    • Check out these recommended hotels in Boracay:
      Seabird International Resort and Country Club, 3-star, from RM144/night
      La Carmela de Boracay Resort Hotel, 3-star, from RM149/night
      More budget to splurge on hotels? You can pamper yourself at the Boracay Mandarin Island Hotel, 4-star, from RM504/night.
      airasiago.com.my

  • 8. Da Nang, Vietnam

    • Located midway between Hanoi and Ho Chi Minh City and the largest city of Central Vietnam, Da Nang has grew to become a popular vacationing spot for those looking to explore the attractions of central Vietnam while soaking up the sun's rays on the city's beaches. Taxi rates are reasonable with the standard rate of a 28km ride to Hoi An at about 200,000 dong (RM31). Renting a motorbike to travel to Hoi An from Da Nang costs about 80,000 dong (RM12) -150,000 dong (RM23) per day from most hotel and rental companies here. Eating is cheap too. To reduce costs, try taking the bus or train.
      says.com
    • Fly from Kuala Lumpur to Da Nang from as low as RM194 or get package deals of return flights and four nights stay in a nice hotel from RM489/pax.
      airasiago.com.my
    • Check out these recommended hotels in Da Nang:
      Northern Hotel Danang, 4-star, from RM174/night
      A La Carte Da Nang Beach, 4-star, from RM314/night
      More budget to splurge on hotels? You can pamper yourself at The Ocean Villas, 5-star, from RM768/night.
      airasiago.com.my
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RESEPI SERAWAK.........LETS TRY BUDDY!!!!!!!!!!

20 Sarawak Dishes You Need To Try Before You Die

  • 1. Sarawak laksa

    • One of celebrity chef Anthony Bourdain's Top 10 dishes, Sarawak laksa consists of a vermicelli rice noodles (bihun) cooked in shrimp-based broth made from sambal belacan, sour tamarind, garlic, galangal, lemongrass and thickened with coconut milk. The dish is served with a general amount of bean sprouts (taugeh), prawns, omelette strips, and shredded chicken.
      says.com

  • 2. Kolo mee or mee kolok

    • A simple noodle dish that is available for breakfast, lunch, and dinner, kolo mee consists of yellow egg noodles tossed in a light sauce before it is served with slices of barbecued pork (char siew), chicken cutlets, or minced meat. Non-halal versions might also contain lard.

      The dish usually comes in two flavours - plain or seasoned with red sauce. You could also request for it to be seasoned with soy sauce or - in certain places - black vinegar.
      says.com

  • 3. Midin, a crispy wild jungle fern which can be served as kerabu or stir-fried

    • Midin is typically stir-fried with garlic and/or belacan with chilli. Anchovies and salted fish may also be added into the dish, which can be found in most coffee shops that sell nasi campur.
      says.com

  • 4. Kueh chap

    • Kueh chap are wide, flat rice noodles cooked in a herby broth consisting of pork meat, skin, internal organs as well as deep-fried tau pok and hard-boiled egg quarters/halves.
      says.com

  • 5. Ayam pansuh or manok pansoh

    • Manok pansoh, an Iban dish, is unique in the sense that its ingredients are cooked in a bamboo. Cut chicken pieces, lemongrass, and tapioca leaves are stuffed into bamboo before it is cooked over an open fire. This cooking method seals in the flavour, which results in juicy and tender chicken with gravy perfumed by lemongrass and bamboo.
      says.com

  • 6. Manok kacangma

    • Manok kacangma is a Chinese dish consisting of chicken cooked with a kacangma-based broth. The herb, which also known as motherwort, is believed to be able to ease the effects of menstruation in women. Rice wine may also be added for a more delicate taste.
      says.com

  • 7. Tomato koay teow

    • Rice noodles a.k.a. koay teow is served in a tomato sauce-based gravy with vegetables, chicken, and seafood. It is also available with crispy noodles and bihun.
      says.com

  • 8. Terung dayak, a round yellow fruit, is typically used in sour dishes such as assam sour fish and miscellaneous sour soups

  • 9. Dabai, a seasonal fruit with black skin and yellow flesh

    • Dabai is a hard fruit, but soak it in warm salt water for 10 to 15 minutes and you'll get a soft, date-like snack. Fun fact - the seed can be eaten too!
      says.com

  • 10. Belacan bihun

    • Belacan bihun consists of rice vermicelli served in a sweet shrimp-based (belacan) broth topped with julienned cucumber, cuttlefish slices, and century egg quarters/halves. You can also have it with a spritz of lime and chilli sauce.
      says.com

  • 11. Fried oyster pancake or 'or chien'

    • Made to be shared, fried oyster pancake is a thin, crispy pancake with oysters concentrated in the centre. It is usually eaten with light soy sauce mixed with pepper.
      says.com

  • 12. Kompia

    • A Foochow delicacy, kompia refers to a bun - either soft or crispy - baked in a round stone oven and typically stuffed with meat cooked in a special gravy.
      says.com

  • 13. Sarawak layer cake or kek lapis Sarawak

    • Layer cakes may be commonplace for most of us, but Sarawak layer cake's multi-coloured, multi-flavoured variety deserves a category of its own!
      says.com

  • 14. Mee sapi

    • Although the dish typically uses noodles similar to kolok mee, mee sapi is different in the sense that it is served with a beef-based broth. Topped with generous amounts of beansprouts and beef slices, you can opt to have the broth added straight to your noodles or in a separate bowl.
      says.com

  • 15. Sio bee, Kuching's version of siu mai

    • The difference between siu mai and sio bee is that siu mai contains pork and shrimps while sio bee is 100% stuffed with pork.
      says.com

  • 16. Umai

    • A Melanau delicacy, umai is made with thin slivers of fresh fish (usually iced instead of frozen) combined with thinly-sliced onions, chilli, salt, and juice from calamansi lime or assam fruit. It is usually served with roasted sago pearls - sago starch mixed with coconut milk, which are then rolled into balls and cooked - instead of rice. The dish is sometimes prepared with cooked prawns.
      says.com

  • 17. Mani (money) chai bihun or *bihun cangkuk manis*

    • Mani chai bihun, of Hakka origin, consists of bihun stir-fried with eggs, prawns, chicken pieces, and the sweet mani chai herb.
      says.com

  • 18. Kampua mee

    • Although it looks similar to kolo mee, kampua mee is actually meant to be drier than kolo mee. Typically served with slices of barbecued pork and a bowl of soup, the noodles can either be served plain or tossed in soy sauce or chilli sauce.
      says.com

  • 19. Bubur pedas

    • A traditional Malay dish originating from Indonesia, bubur pedas is a popular dish during the Muslim fasting month of Ramadan. The dish consists of porridge cooked in spices such as turmeric, lemongrass, galangal, chillies, ginger, coconut and shallots, topped with fried anchovies, fried onions, and peanuts.
      says.com

  • 20. Nasik aruk

    • Though it is classified as fried rice, this traditional Sarawakian Malay dish is not fried with oil. The ingredients consist of garlic, onion, and anchovies fried with cooked rice. The rice is fried until it achieves a smokey or slightly-burned taste.
      says.com
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