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<div align="center" style="font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: orange; font-size: x-large;"><span style="font-family: "tahoma";">26</span><span style="font-family: "tahoma";"> </span><span style="font-family: "tahoma";">Tax-Saving</span><span style="font-family: "tahoma";"> Moves</span></span><span style="color: #333333; font-family: "tahoma";"><span style="font-size: x-large;"><br />
</span><span style="font-size: x-small;">They are legal and permitted by Inland Revenue Board ( IRB )</span></span></span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg93Mc43Krw_XZHOF1euyMaeH9QcL9HUJhYpb-YRIv8b-N5vAv0xwthuGoy3zG6fK-DUKUwMw04TkNRa9qRzndJKOtwPSinBMoR_hbrQe8v_H_Ersw-9o6UxnYzUdO4BzaCPDlTlyN9HCM/s1600/Tax-Planning.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="260" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg93Mc43Krw_XZHOF1euyMaeH9QcL9HUJhYpb-YRIv8b-N5vAv0xwthuGoy3zG6fK-DUKUwMw04TkNRa9qRzndJKOtwPSinBMoR_hbrQe8v_H_Ersw-9o6UxnYzUdO4BzaCPDlTlyN9HCM/s400/Tax-Planning.jpg" width="400" /></a></div><span style="background-color: white;"><span style="color: #333333; font-family: "tahoma";"><span style="font-size: x-small;"><br />
</span></span></span></div><span style="background-color: white;"><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333399; font-family: "tahoma"; font-size: 16px; font-style: italic; line-height: 18.90625px;">1) Save for your Child’s Education</span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 16px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span></span><br />
<ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Since 2007 , any amount that is deposited into a savings account for your child under national Education Savinds Scheme ( Skim Simpanan Pendidikan Nasional ) allows you to claim tax deductions.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Thers is a limit of RM 3000 for this deduction but spouse who file separate tax returns can each claim this amount .</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax Deduction</span><span style="font-family: "tahoma";"> : RM 3000 per individual</span></span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">For Mr A : </span><span style="font-family: "tahoma";">As he falls in the</span><span style="color: #ff3300; font-family: "tahoma";"> </span><span style="font-family: "tahoma";">24% tax bracket , this deduction translates to a </span><span style="color: #3333cc; font-family: "tahoma";">tax saving of RM 720</span><span style="font-family: "tahoma";"> ( RM 3000@24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">2 ) File Separate tax returns</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">A separate assessment allow each spouse to claim personal tax relief of RM 8000 while a joint tax return allows one spouse to claim a wife or husband relief of RM 3000</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax Deduction</span><span style="font-family: "tahoma";"> :</span><span style="font-family: "tahoma";"> Each spouse earning Taxable income can claim personal tax relief of RM 8000 by filling separate tax returns.</span> </span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">3) Ask your employer to increase your EPF contributions</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Contributions to the employees Provident Fund (EPF) by employers are tax-exempt for the employees.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">To reduce your taxable income , ask your employer to reduce your EPF monthly salary but increase your EPF contributions by the same amount.</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax Deduction</span><span style="font-family: "tahoma";"> :</span><span style="font-family: "tahoma";"> The deductible amount from your taxable income is dependent on the arrangement between you and your employer.</span></span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">For Mr A</span><span style="font-family: "tahoma";"> : Mr A agrees to takle monthly pay cut of RM 1000 for an equivalent increase in his EPF contributions by his employer.At the end of the year , he receives an additional RM 12000 in his pension fund but his taxable income is reduced by the same amount.</span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">The </span><span style="color: #3333cc; font-family: "tahoma";">tax saving</span><span style="font-family: "tahoma";"> </span><span style="color: #3333cc; font-family: "tahoma";">that he makes is RM 2880</span><span style="font-family: "tahoma";"> ( RM12000@24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">4) Change your cash remuneration to cash reimbursement</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Fixed allowances given by your employer each month for entertainment and housing or parking fees are taxable at your tax bracket.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Change this to a “ reimbursement “ based on receipt and you are not taxed on the amount received.</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax Deduction</span><span style="font-family: "tahoma";"> :</span><span style="font-family: "tahoma";"> The deductible amount from your taxable income is dependent on the arrangement between you and your employer</span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A : By Changing a yearly fixed allowance of RM 6000 to a reimbursement of the same amount and supported by receipts , Mr A makes a </span><span style="color: #3333cc; font-family: "tahoma";">tax saving of RM1440</span><span style="font-family: "tahoma";"> ( RM 6000@24%)</span></span></li>
</ul><br />
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<div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">5) Ask for a company car</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white;"><span style="font-family: "tahoma";">A car given by your employer is regarded as a </span><span style="color: #ff3300; font-family: "tahoma";">benefit-in kind</span><span style="font-family: "tahoma";"> </span><span style="color: #3333cc; font-family: "tahoma";">( BIK )</span><span style="font-family: "tahoma";"> and taxable.</span></span></li>
<li><span style="background-color: white; font-family: "tahoma";">However , a company car is advantageous for taxpayers because the preset tax scale for cars is much lower than the actual cost of buying and maintaining a car.</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">According to the Public ruling for </span><span style="color: #3333cc; font-family: "tahoma";">BIK</span><span style="font-family: "tahoma";">s , the tax payer must pay RM 3600 in taxes every year, for a car worth RM 75000</span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">If the employer pays for fuel , the tax payer is taxed an additional RM 1200 for this </span><span style="color: #3333cc; font-family: "tahoma";">BIK</span></span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax deduction :</span><span style="font-family: "tahoma";"> Whether you benefit from a company car depends on the value of the car and your current tax bracket. Do the calculations to ascertain your tax deduction.</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">6) Make charitable contributions</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white;"><span style="font-family: "tahoma";">A </span><span style="font-family: "tahoma";">gift of money to an approved charitable organisation entitles you to a tax deduction for the amount given.</span></span></li>
<li><span style="background-color: white; font-family: "tahoma";">From 2008 onward , this amount cannot exceed 7% of your aggregate income.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">However Charitable donations that were made in 2007 are not subject to this limit.</span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax deduction</span><span style="font-family: "tahoma";"> :</span><span style="font-family: "tahoma";"> Up to 7% of your aggregate taxable income can be reduced with this deduction.</span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A : With his taxable income of RM 90000 , Mr A can make a donation of RM 6300 .This deduction results in a </span><span style="color: #3333cc; font-family: "tahoma";">saving of RM 1512</span><span style="font-family: "tahoma";"> ( RM 6300@24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">7) Take Up postgraduate studies</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">A relief of RM 5000 per year for any course of study at the Master’s or doctorate level , the government announced in 2007 Budget the widening of the scope to all postgraduate studies.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The course does not have to be done full time , but “ must be in an institution or professional body in Malaysia recognised by the government or approved by Minister of Finance</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax Deduction</span><span style="font-family: "tahoma";"> :</span><span style="font-family: "tahoma";"> RM 5000 per individual</span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A : As he completes his master’s degree . Mr A can enjoy</span><span style="color: #3333cc; font-family: "tahoma";">tax saving RM 1200</span><span style="font-family: "tahoma";"> from his taxable income ( RM 5000@24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">8) Read , Read , Read</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Starting from YA 2007 , taxpayers can claim a personal tax deduction to RM 1000 for purchase of books, journals , magazines and other publications.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">To maximise this generous deduction , consider giving books as gifts.</span></li>
<li><span style="background-color: white; font-family: "tahoma";"><span style="color: #ff6600;">Tax Deduction </span>: RM 1000 per individual</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A : With book purchases of RM 1000 Mr A saves RM 240 ( RM 1000@24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">9) Get Sporty</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">You will get a deduction of RM 300 for each year of assessment for the purchase of sports and exercise equipment for any sports activities defined under the Sport Development Act 1997 “</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax Deduction</span><span style="font-family: "tahoma";"> : RM 300 per individual</span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A : By buying RM 300 worth of sports equipment , Mr A</span><span style="color: #3333cc; font-family: "tahoma";">makes a saving of RM 71</span><span style="font-family: "tahoma";"> ( RM 300@24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; font-style: italic; font-weight: bold; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma";">10) Buy Life Insurance</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">The maximum tax relief is RM 6000 a year for premiums paid to an insurance company for life Insurance or deferred annuity plans.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">This Limit is shared with your contributions to the EPF, other employer schemes and contributions under any written law relating to widows or orphan pensions</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax deduction</span><span style="font-family: "tahoma";"> : RM 6000 per individual ( shared with your EPF contributions )</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-weight: bold;">11) Take out a Medical or Education policy</span></span></div><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">You can claim deductions of up to RM 3000 a year for education and medical insurance ( combined limit for both )</span></li>
<li><span style="background-color: white; font-family: "tahoma";">This includes medical coverage that is part of life insurance policy( the limit for life insurance is in move 10 )</span></li>
<li><span style="background-color: white; font-family: "tahoma";">A policy of this kind can be written for you , your spouse or your child.</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax deduction</span><span style="font-family: "tahoma";"> :</span><span style="font-family: "tahoma";"> RM 3000 per individual</span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A :After acquiring an education policy for his children , Mr A makes a </span><span style="color: #3333cc; font-family: "tahoma";">saving of RM 720</span><span style="font-family: "tahoma";"> ( RM 3000@ 24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">12) Pay your parents’ medical bills</span></span></div><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">You are able to claim up to RM 5000 for payments towards your parents’ medical bills.</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax deduction</span><span style="font-family: "tahoma";"> :</span><span style="font-family: "tahoma";"> RM 5000 per individual</span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A : By paying his parents’ medical bills , Mr A </span><span style="color: #3333cc; font-family: "tahoma";">makes a</span><span style="font-family: "tahoma";"></span><span style="color: #3333cc; font-family: "tahoma";">saving of RM 1200</span><span style="font-family: "tahoma";"> ( RM5000@ 24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma";"><span style="font-style: italic; font-weight: bold;">13) Medical</span> </span></span></div><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Claim a deduction of up to RM 500 per tax year for a full medical examination and RM 5000 for medical expenses for yourself, spouse or child for serious disease.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">If you have also spent money on full medical in the same year, your claim will be reduce the RM5000 available for serious disease.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">A separate tax reduction of up to RM5000 a year is given for necessary basic supporting equipment for disabilities suffered by yourself ,spouse, children or parent</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax Deduction :</span><span style="font-family: "tahoma";"> RM 500 per individual for full medical check-up.</span><span style="font-family: "tahoma";">RM5000 for serious diseases or basic supporting equipment </span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A : He claimed for a full medical check-up .The deduction give him of RM 120 ( RM 500@24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">14) Pay Zakat</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">If you are a muslim ,paying any amount in zakat , fitrah or other obligation Islamic dues will entitle you to a tax rebate.</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax deduction</span><span style="font-family: "tahoma";"> :</span><span style="font-family: "tahoma";"> The Amount of zakat that you pay</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">15) Buy a Computer</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">A deduction of up to RM 3000 can be claimed once every three years for the purchase of computers , printers and bundled software .</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The similar i9ncentive given previously in the form of a tax rebate was withdrawn with effect from 2007</span></li>
<li><span style="background-color: white; font-family: "tahoma";"><span style="color: #ff6600;">Tax deduction</span> : RM 3000 once every three years.</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">For Mr A : Getting a computer for RM3000 gives him a saving of RM 720 ( RM 3000@24%)</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">16) Hire a Tax Consultant</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Consider hiring a tax consultant to explore ways your remuneration package can be structured to maximise your tax savings.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Those who are earning at least RM5000 every month should be able to justify the cost of hiring a tax adviser with their tax savings</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">Tax saving : this is dependent on your personal circumstances and the deal that you negotiate with your employer.</span></span></li>
</ul><br />
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<div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">Tax – Savvy Investments</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">You may be looking at some investment this year.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">There are savings to be made from certain investments , from a tax point of view.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">However , some moves may be advantageous if you fall into a higher tax bracket.</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">Besides looking for tax-exempt investment , here are four investment moves to explore</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">17) Buy property valued below or at RM250000</span><span style="font-style: italic; font-weight: bold;"> </span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Stamp duty must be paid on all property transactions that involve a change of legal ownership.</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">Last year’s budget ( 2008 ) announced a </span><span style="color: #ff3300; font-family: "tahoma";">50% stamp duty exemption</span><span style="font-family: "tahoma";"> for the purchase of houses that do not exceed RM250000</span></span></li>
<li><span style="background-color: white; font-family: "tahoma";">The maximum tax savings that can be found here is RM2000 ( for a house worth RM250000 )</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">This exemption is only given for one house per individual and applies to sale and purchase agreement signed between September 2007 and December 2010</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">18) Buy Similar property</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Similar property can be grouped together for income tax purposes.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The IRB has indentified categories such as residential , commercial and vacant land.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">If you own two property in the same category , you can reduce the taxable profit made from one property with the loss, if any incurred from the other.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Property investors are also exempt from real property gains tax for all disposals on on or after 1<sup>st April 2007.</sup></span></li>
<li><span style="background-color: white; font-family: "tahoma";"><sup>However , taxpayers who are trading property – buying and selling in order to generate income – are liable to income tax.</sup></span></li>
<li><span style="background-color: white; font-family: "tahoma";"><sup>“ This exemption is meant for taxpayers who invest in property for a passive income”</sup></span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";"><sup>Tax deduction :</sup></span><span style="font-family: "tahoma";"><sup> Taxable income received from renting out a property in a particular grouping such as residential can be reduced if a loss was incurred by another property in the same group.</sup></span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">19) Buy shares </span><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">( page1 )</span><span style="font-style: italic; font-weight: bold;"> </span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Invest in dividend-yielding shares if your tax bracket is above 26%.</span></li>
<li><span style="background-color: white;"> <span style="font-family: "tahoma";">A new single-tier system was established under the national Budget for dividends received by shareholders. </span></span></li>
<li><span style="background-color: white; font-family: "tahoma";">Companies pay tax of 26% (YA2008) and shareholders receive a net dividend that is exempt from tax and does not need to be filed with the IRB “Shareholders who fall into higher tax brackets [higher than 26%] are essentially [getting a] saving on the difference.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">“The single-tier dividends is intended to simplify the tax filing process for individuals,” says Chua Tia Guan, executive director and head of tax and financial planning at Great Vision Wealth Management Sdn Bhd.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">“In the past, refunds had been slow. From now on, there is no need to declare or apply for a refund. And as corporate taxes are falling, companies will be able to pass on more profits to their shareholders [in the form of dividends],” he says.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">However, not all companies will go under the single-tier system immediately as some of them might have imputation tax credits left, which they can use till 2013.</span></li>
<li><span style="background-color: white;"> <span style="font-family: "tahoma";">Shareholders who receive dividends from companies using the imputation system will have to report the amount received and claim a tax refund if his personal tax rate is lower than the company’s tax rate (27% in YA2007, 26% in YA2006). </span></span></li>
<li><span style="background-color: white; font-family: "tahoma";">Shareholders can identify the system used by the company as it is stated in the dividend vouchers.</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";"><b>Tax Deduction :</b></span> <span style="font-family: "tahoma";">Your tax saving is the difference between your tax bracket and 26% (the corporate tax rate). This is only applicable to dividends given out by companies using the single-tier system.</span> </span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-weight: bold;">20) Invest in REITs</span><span style="font-weight: bold;"> </span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">You can go into real estate investment trusts ( REITS )if your tax bracket above 15%.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">There are 11 REITs listed on the Main Board.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The tax on dividends given out by these property-related investments are taxed at 15% as compared to tax on dividend at 26% ( under the new single –tier dividend system )</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Only tax brackets exceeding 15% would enjoy some tax savings by investing in REITs</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Since the distributions received by individual taxpayers have been subject to that 15% , the taxpayers are not required to declare the amount in their tax return.</span></li>
<li><span style="background-color: white;"><span style="color: #ff3300; font-family: "tahoma";">Tax deduction:</span><span style="font-family: "tahoma";"> Your tax saving is the difference between your personal tax bracket and 15%</span></span></li>
</ul><span style="background-color: white;"><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333399; font-family: "tahoma"; font-size: 13px; line-height: 18.90625px;">Moves for Business Owners</span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"><br />
</span></span><br />
<div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; font-style: italic; font-weight: bold; line-height: 18.90625px;"></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">The first rule that small-business owners should implement with regards to their taxes is to take it seriously.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Spend some time strategising for your business activities to save hundreds or thousands ringgit.</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">Here are six</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">21) Maintain books and records from Day 1</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Keep separate bank accounts for personal and business transactions and establish a basic accounting system.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The inland Revenue Board recognises business income on an accrual basis .</span></li>
<li><span style="background-color: white; font-family: "tahoma";">This means that as long as a transaction is completed, either a sale of goods or a provision of service , its value is immediately treated as business income and is taxable.</span></li>
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<li><span style="background-color: white; font-family: "tahoma";">However , unpaid transaction can be reduced your taxable income.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Any expenses made fro the business can be deducted from the business income.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The General rule is that expenses can be deducted if it is wholly and exclusively incurred in earning your business income.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">So Keep the receipts for all supplies that you buy for your business</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">However there is no deduction for capital expenditure although some assets will qualify for tax relief by way of capital allowances</span></span></li>
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<div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">22) Time the purchase and use of your fixed assets</span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Capital allowances are permitted for certain business assets such as equipment , machinery , vehicles computers and software.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The amount of allowances permitted each year depends on the category that asset falls into .( refer to Public Ruling No 2/2001 for the deductible rate of your assets.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The first capital allowance is given for the accounting year in which the asset was purchased and used by the business.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">If you are contemplating a purchase , try to do it before the end of the accounting year, instead of just after , to claim the capital allowance against your business income.</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">If you are buying the asset with a hire-purchase loan, allowance can only be claimed as and when repayments are made to the lender.</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">23) Buys a company car </span></span></div><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white; font-family: "tahoma";"></span></div><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white; font-family: "tahoma";"></span></div><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white; font-family: "tahoma";"></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">If you are a sole trader or a partner in a business, any car or vehicle that is used for business purposes can bring about tax deductions.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">“The business income is reduced by the car’s financing cost if you buy the car on hire-purchase.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">You are also deduct a certain amount for capital allowances every year,</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Before implementing this tax-saving technique, business owners must identify a percentage of the car’s use that is for private activities.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">As there is no definite ruling on how to determine this proportion for private use, business owners must apply a fair and reasonable figure that can withstand scrutiny.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">“Estimating private mileage is an exercise that must be undertaken in accordance to the facts on your actual usage.</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">And remember to record all running expenses to make these deductions,” says Thornton.</span> </span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">24) Hire your spouse or family member</span><span style="font-style: italic; font-weight: bold;"> </span></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><li><span style="background-color: white;"><span style="font-family: "tahoma";">An effective tax-saving strategy is to hire a spouse or family member.</span><span style="font-family: "tahoma";"></span></span></li>
<li><span style="background-color: white; font-family: "tahoma";">“For example, a husband who is a business owner can hire his wife. The wife’s salary is tax deductible but you must be able to show that she is doing something to earn it,</span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">In this situation, you would have to contribute to your wife’s Employees Provident Fund (EPF) savings and that amount entitles her to tax relief.</span><span style="font-family: "tahoma";"></span></span></li>
<li><span style="background-color: white; font-family: "tahoma";">Another option is to make your spouse or family member a partner in your business.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">This allows you to divide the income made by the business between the both of you.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">As a partnership has no tax liability, both partners are liable for tax for the respective portion of business income that each earns.</span></li>
<li><span style="background-color: white;"> <span style="font-family: "tahoma";">“By opting for separate tax assessments, a husband and wife who are partners in a business can each claim individual tax relief.</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">25) Implement a process to ‘chase after’ unpaid debts</span><span style="color: #333399; font-family: "tahoma";"> </span></span></div><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white; font-family: "tahoma";"></span></div><ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Unfortunately, small business owners can complete a sale or service but might not receive payment, in full or in part.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">At the end of an accounting year, a debt, which is estimated to be wholly or partly irrecoverable, can be deducted from your business income and this lowers your tax bill.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">“Tax authorities tend to look closely at bad-debt write-offs and provisions (for debts that are expected to be partly recoverable).</span></li>
<li><span style="background-color: white; font-family: "tahoma";">So put in some effort to recover the debt before deeming it irrecoverable and you must evaluate each debt separately.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">The process that you put in place to recover your unpaid debts should be documented and any conclusion that you make should be supported with documentation as well.</span></li>
<li><span style="background-color: white;"> <span style="font-family: "tahoma";">For example, you must show why it it not cost effective to take legal action against a customer.</span><span style="font-family: "tahoma";"></span></span></li>
<li><span style="background-color: white;"><span style="font-family: "tahoma";">However, if you eventually recover bad debts that have been written off or partially written off, you must include this amount in your taxable income for the year that you received payment.</span></span></li>
</ul><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><span style="background-color: white;"><span style="color: #333399; font-family: "tahoma"; font-style: italic; font-weight: bold;">26) Dedicate a space in your home office</span></span></div><div style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;"><script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>  <br />
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</script> <span style="background-color: white; font-family: "tahoma";"></span></div><span style="background-color: white;"><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span><span style="color: #333333; font-family: "trebuchet ms" , "verdana" , "arial" , sans-serif; font-size: 13px; line-height: 18.90625px;"></span></span><br />
<ul style="color: #333333; font-family: 'Trebuchet MS', Verdana, Arial, sans-serif; font-size: 13px; line-height: 18.90625px;" type="disc"><li><span style="background-color: white; font-family: "tahoma";">Working in your own house can result in tax deductions for the costs related to your “home office”.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">This includes electricity, telephone bills, quit rent and service charges of apartments.</span></li>
<li><span style="background-color: white;"> <span style="font-family: "tahoma";">The best way to claim for these deductions is to dedicate a room or place as the working environment.</span><span style="font-family: "tahoma";"></span></span></li>
<li><span style="background-color: white; font-family: "tahoma";">“A dedicated area helps to identify expenses that are specifically for business purposes and can be claimed in full.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">Items that are used by the business as well as personal use, such as electricity, must be apportioned.</span></li>
<li><span style="background-color: white;"> <span style="font-family: "tahoma";">One way to do so is on the basis of floor area.</span> </span></li>
<li><span style="background-color: white; font-family: "tahoma";">If the business owner pays rent for the working area, this expense can be deducted from the business income.</span></li>
<li><span style="background-color: white; font-family: "tahoma";">This applies to rent that is paid to a spouse who owns the home but is not involved in the business.</span></li>
<li><span style="background-color: white;"> <span style="font-family: "tahoma";">However, this is strategy is only effective if the spouse who is not involved in the business is taxed at a low tax rate as rental received must be declared as taxable income.</span> </span></li>
<li><span style="background-color: white; font-family: "tahoma";">If this is an appropriate strategy for the business owner, A tenancy agreement that specifies rental for a specific part of the house at the prevailing market rate.</span></li>
</ul><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH021oQiEX1JYN_3OojFujETiVIE-TJ96znec2LlUbM83hATCBOpxQ4WQuDGLy60mzOrL3TvvfGgh4W5S_qK8gekjlTsVlHQzwlModaDQMsjgwwDrQBS7Mx_SuI5vE1r3eE_oOEADyjn4/s1600/Tax-Planning+(1).jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="208" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH021oQiEX1JYN_3OojFujETiVIE-TJ96znec2LlUbM83hATCBOpxQ4WQuDGLy60mzOrL3TvvfGgh4W5S_qK8gekjlTsVlHQzwlModaDQMsjgwwDrQBS7Mx_SuI5vE1r3eE_oOEADyjn4/s320/Tax-Planning+(1).jpg" width="320" /></a></div><div><br />
<div style="background-color: white; color: #333333; font-family: 'Helvetica Neue Light', HelveticaNeue-Light, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 19px; margin: 0px; outline: none; padding: 0px; text-align: justify;"><div class="force_dir" len="47" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="34">1） 为您的孩子的教育储蓄</span></div><div class="force_dir" len="206" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="193">2007 年以来，为您的孩子按照全国教育 Savinds 计划 (以 Nasional 形式脱脂困 Pendidikan） 存入一个储蓄帐户的款项可以申请减税。</span></div><div class="force_dir" len="129" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="116">行是这扣除 RM 3000 的限制，但文件分开报税的配偶每个可报销这笔金额。</span></div><div class="force_dir" len="51" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="38">每个个体的税前扣除： RM 3000</span></div><div class="force_dir" len="127" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="114">对于 A 先生： 当他落在 24%的税支架，此扣除转化到节税的 RM 720 (RM 3000@24%)</span></div><div class="force_dir" len="127" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="114"><br />
</span></div><div class="force_dir" len="42" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="29">2） 文件分开报税</span></div><div class="force_dir" len="180" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="167">单独评估允许每个配偶申索 RM 8000 个人税项宽减，虽然联合报税允许一个配偶申索 RM 3000 妻子或丈夫救济</span></div><div class="force_dir" len="137" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="124">扣税： 收入应纳税所得额每个配偶可享有 RM 8000 个人税减免由灌装分开报税。</span></div><div class="force_dir" len="137" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="124"><br />
</span></div><div class="force_dir" len="68" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="55">3） 问问你的雇主，增加您的公积金局捐款</span></div><div class="force_dir" len="111" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="98">雇员公积金基金 （EPF） 由雇主的贡献是免税的雇员。</span></div><div class="force_dir" len="152" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="139">若要减少你的应纳税收入，问问你的雇主，减少你的公积金每月薪水但增加你 EPF 捐款的金额。</span></div><div class="force_dir" len="138" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="125">税前扣除： 您应纳税所得额中扣除的金额是取决于你与你的雇主之间的安排。</span></div><div class="force_dir" len="273" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span len="260"><span lang="zh-chs">A 先生： A 先生同意本年每月减薪的 RM 1000 为相等的增加到他 EPF 捐款他的雇主。</span><span lang="zh-chs">在该年年底，他在他的养老金基金接受额外 RM 12000 但他应纳税所得额减少的金额。</span></span></div><div class="force_dir" len="67" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="54">他让节税是 RM 2880 (RM12000@24%)</span></div><div class="force_dir" len="67" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="54"><br />
</span></div><div class="force_dir" len="67" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="54">4） 更改你的现金报酬为现金偿还</span></div><div class="force_dir" len="142" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="129">鉴于由您的雇主为娱乐和住房或停车费每月的固定的津贴是在您税支架应纳税。</span></div><div class="force_dir" len="110" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="97">将其更改为"偿还"基于收据和你所收到的金额不征税。</span></div><div class="force_dir" len="137" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="124">税前扣除： 您应纳税所得额中扣除的金额是取决于你与你的雇主之间的安排</span></div><div class="force_dir" len="186" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="173">A 先生： 通过更改逐年固定 RM 6000 到偿还同一数额的津贴和附有收据，A 先生使节税的 RM1440 （RM 6000@24%)</span></div><div class="force_dir" len="186" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="173"><br />
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<div class="force_dir" len="37" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="24">5） 问，公司的车</span></div><div class="force_dir" len="95" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="82">由您的雇主提供一辆车被认为是效益的种类 (碧) 和应纳税。</span></div><div class="force_dir" len="172" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="159">然而，公司的车是对纳税人有利，因为汽车的预设的税比例是比实际购买和维护一辆车的成本要低得多。</span></div><div class="force_dir" len="131" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="118">根据 BIKs 的公开裁决，纳税人必须支付 RM 3600 税每年，一辆车价值 RM 75000</span></div><div class="force_dir" len="102" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="89">如果雇主支付的燃料，征税纳税大户为此碧附加 RM 1200</span></div><div class="force_dir" len="182" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span len="169"><span lang="zh-chs">扣税： 是否让您受益公司的车取决于汽车和您当前税支架的价值。</span><span lang="zh-chs">做计算，以确定你扣税。</span></span></div><div class="force_dir" len="182" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span len="169"><span lang="zh-chs"><br />
</span></span></div><div class="force_dir" len="45" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="32">6） 慈善捐款</span></div><div class="force_dir" len="121" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="108">一件礼物的钱给得到认可的慈善组织权你获得的金额的税中扣除。</span></div><div class="force_dir" len="86" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="73">从 2008 年起，这笔金额不能超过您收入总额的 7%。</span></div><div class="force_dir" len="95" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="82">但是作了 2007 年的慈善捐款则不受此限制。</span></div><div class="force_dir" len="106" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="93">扣税： 达 7%的应纳税所得额可以减少与此扣除你聚合。</span></div><div class="force_dir" len="159" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span len="146"><span lang="zh-chs">A 先生： 为 RM 90000 他应纳税收入，A 先生可以使 RM 6300 的捐赠。</span><span lang="zh-chs">此推导结果中节省的 RM 1512 (RM 6300@24%)</span></span></div><div class="force_dir" len="159" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span len="146"><span lang="zh-chs"><br />
</span></span></div><div class="force_dir" len="44" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="31">7) 采取了研究生学习</span></div><div class="force_dir" len="197" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="184">每年为任何课程的学习硕士或博士学位一级的救济的 RM 5000，政府在 2007 年的预算中宣布扩大到所有研究生研究范围。</span></div><div class="force_dir" len="189" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="176">该课程并没有要做充分的时间，但"必须有一个机构或专业机构在马来西亚政府承认或批准的财政部部长</span></div><div class="force_dir" len="51" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="38">每个个体的税前扣除： RM 5000</span></div><div class="force_dir" len="133" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span len="120"><span lang="zh-chs">A 先生： 为他完成他的硕士学位。</span><span lang="zh-chs">A 先生可以从其应纳税所得额 (RM 5000@24%） 保存 RM 1200 enjoytax</span></span></div><div class="force_dir" len="133" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span len="120"><span lang="zh-chs"><br />
</span></span></div><div class="force_dir" len="34" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="21">8） 读取、 读取、 读取</span></div><div class="force_dir" len="160" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="147">从震遐 2007年开始，纳税人可以申请个人扣税到 RM 1000 购买的书籍、 期刊、 杂志和其他出版物。</span></div><div class="force_dir" len="82" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="69">最大化这慷慨的扣除项目，请考虑书作为礼物。</span></div><div class="force_dir" len="51" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="38">每个个体的税前扣除： RM 1000</span></div><div class="force_dir" len="87" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="74">A 先生： 为与书购买的 RM 1000 A 先生保存 RM 240 (RM 1000@24%)</span></div><div class="force_dir" len="87" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjompllKkIM1GdYcsdNkn7VfSlCE-pVNTrtfQWUb-apQfmrIPoo9GP8ZUPe4v9zvlgGOLSncf1QkuoghKO05qySSuvfqaNcraKOmgS30Ax_0rC8ailE9vSKu1bEPTSmM1hkpGWYjPSQrNc3/s1600/url.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="245" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjompllKkIM1GdYcsdNkn7VfSlCE-pVNTrtfQWUb-apQfmrIPoo9GP8ZUPe4v9zvlgGOLSncf1QkuoghKO05qySSuvfqaNcraKOmgS30Ax_0rC8ailE9vSKu1bEPTSmM1hkpGWYjPSQrNc3/s1600/url.png" width="320" /></a></div><span lang="zh-chs" len="74"><br />
</span></div><div class="force_dir" len="26" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="13">9） 把运动型</span></div><div class="force_dir" len="198" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="185">你会得到一个扣 RM 300 的每个课税年度的体育和运动设备的购置任何体育活动定义根据 1997 年的体育发展"</span></div><div class="force_dir" len="50" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="37">每个个体的税前扣除： RM 300</span></div><div class="force_dir" len="110" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="97">A 先生： 通过购买节省了 RM 71 (RM 300@24%) 的 RM 300 价值的体育设备</span></div><div class="force_dir" len="110" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="97"><br />
</span></div><div class="force_dir" len="35" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="22">10） 买人身保险</span></div><div class="force_dir" len="141" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="128">最大的税收减免是 RM 6000 一年保费付给一家保险公司的寿险或递延年金计划。</span></div><div class="force_dir" len="170" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="157">此限制是根据寡妇或孤儿抚恤金有关的任何书面法律共享与您对公积金局、 其他雇主计划和捐款的贡献</span></div><div class="force_dir" len="90" style="font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; white-space: pre-wrap;"><span lang="zh-chs" len="77">扣税： RM 6000 每个人 （用您的公积金局捐助共享）</span></div></div><div class="force_dir" len="90" style="background-color: white; color: #333333; font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; text-align: justify; white-space: pre-wrap;"><span lang="zh-chs" len="77"><br />
</span></div><div class="force_dir" len="90" style="background-color: white; color: #333333; font-family: Arial; font-size: 12px; margin: 0px; outline: none; padding: 0px; text-align: justify; white-space: pre-wrap;"><span lang="zh-chs" len="77"></span><br />
<div class="force_dir" len="55" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77">11） 把医疗或教育政策</span></div><span lang="zh-chs" len="77"> </span> <br />
<div class="force_dir" len="125" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77">你可申索扣除的 RM 3000 到一年的教育和医疗保险 （两个组合限制）</span></div><span lang="zh-chs" len="77"> </span> <br />
<div class="force_dir" len="127" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77">这包括生命保险政策 （人寿保险的限制是在移动 10） 的一部分的医疗保险</span></div><span lang="zh-chs" len="77"> </span><br />
<div class="force_dir" len="86" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="73">可以为您、 您的配偶或孩子写的这种政策。</span></span></div><div class="force_dir" len="51" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="38">扣税： 每个人 RM 3000</span></span></div><div class="force_dir" len="123" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="110">A 先生的： 购入后的教育政策为他的孩子，A 先生使节省了 RM 720 (RM 3000 @ 24%)</span></span></div><div class="force_dir" len="123" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="48" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="35">12） 支付你父母的医疗帐单</span></span></div><div class="force_dir" len="98" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="85">您将能够实现你父母的医疗帐单付款报销 RM 5000。</span></span></div><div class="force_dir" len="51" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="38">扣税： 每个人 RM 5000</span></span></div><div class="force_dir" len="107" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="94">A 先生： 对于支付他父母的医疗账单，A 先生使 RM 1200 asaving (RM5000 @ 24%)</span></span></div><div class="force_dir" len="107" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="24" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="11">13） 医疗</span></span></div><div class="force_dir" len="174" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="161">申索扣除的 RM 500 每个课税年度全面体检和 RM 5000 为自己、 配偶或子女为严重的疾病的医疗费用。</span></span></div><div class="force_dir" len="143" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="130">如果您也有同一年上全部的医疗花费的钱，您的索赔将减少 RM5000 可用于严重的疾病。</span></span></div><div class="force_dir" len="176" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="163">RM5000 的单独税率减免一年是给残疾人遭受的自己、 配偶、 子女或父母的必要基本配套设备</span></span></div><div class="force_dir" len="134" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span len="121"><span lang="zh-chs">税前扣除： RM 500 每个个体的全面体检。</span><span lang="zh-chs">RM5000 为严重的疾病或基本配套设备</span></span></span></div><div class="force_dir" len="110" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span len="97"><span lang="zh-chs">A 先生： 他声称为全面的医疗检查。</span><span lang="zh-chs">扣除给他 RM 120 （RM 500@24%)</span></span></span></div><div class="force_dir" len="110" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="26" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="13">14） 交纳天课</span></span></div><div class="force_dir" len="136" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="123">如果您是一位穆斯林，济贫税，在支付任何款额 fitrah 或其他义务的伊斯兰会费将您有权退税。</span></span></div><div class="force_dir" len="61" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="48">扣税： zakat 您支付的金额</span></span></div><div><span lang="zh-chs" len="77"><span lang="zh-chs" len="48"></span></span><br />
<div class="force_dir" len="31" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="48"><span lang="zh-chs" len="18">15） 买一台电脑</span></span></span></div><span lang="zh-chs" len="77"><span lang="zh-chs" len="48"><span style="line-height: 16px;"> </span></span></span><br />
<div class="force_dir" len="143" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="48"><span lang="zh-chs" len="130">一种推导到 RM 3000 可以声称每三年进行一次，用于购买的计算机、 打印机和捆绑的软件。</span></span></span></div><span lang="zh-chs" len="77"><span lang="zh-chs" len="48"><span style="line-height: 16px;"> </span></span></span><br />
<div class="force_dir" len="116" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="77"><span lang="zh-chs" len="48"><span lang="zh-chs" len="103">从 2007 年起撤回先前发出的退税形式类似 i9ncentive</span></span></span></div><span lang="zh-chs" len="77"><span lang="zh-chs" len="48"><span style="line-height: 16px;"> </span><div class="force_dir" len="60" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="47">扣税： RM 3000 每三年一次。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="97" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="84">A 先生： 为计算机获取没有 RM3000 给他节省了 RM 720 (RM 3000@24%)</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="97" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"></div><span style="line-height: 16px;"> </span><div class="force_dir" len="38" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="25">16） 聘请税务顾问</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="135" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="122">考虑雇用税务顾问的探索可以构造您薪酬最大化您的税储蓄的方法。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="144" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="131">那些至少收入 RM5000 每月应能够证明雇用与他们节省税款的税务顾问的费用</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="126" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="113">省税： 这是取决于您的个人情况和交易，你和你的雇主谈判。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="36" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="23">税收 — — 精明的投资</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="61" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="48">你可能看今年一些投资。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="94" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="81">有节约资源，从一些投资，从税收的角度来看。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="92" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="79">然而，一些动作可能有利如果掉到一个更高的税括号。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="98" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="85">除了寻找免税投资，这里是四个的投资举措，探索</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="98" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="85"><br />
</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="57" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="44">17） 购买财产价值的下方或在 RM250000</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="107" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="94">对涉及的法律所有权更改的所有物业交易必须缴付印花税。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="132" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="119">去年的预算案 (2008) 宣布 50%印花税豁免购买不超过 RM250000 的房子</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="100" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="87">可以在这里找到最大税储蓄是 RM2000 (价值 RM250000 的房子)</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="161" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="148">这项豁免只给每个人一个房子和适用于 2007 年 9 月和 2010 年 12 月签订买卖协议</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="161" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><br />
18） 购买类似物业</div><span style="line-height: 16px;"> </span><div class="force_dir" len="78" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="65">类似属性为所得税目的可以组合在一起。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="97" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="84">IRB 已标识类别住宅、 商业及空置的土地等。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="163" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="150">如果您拥有两个属性相同的类别，您可以减少损失，具有一个属性带来的应纳税利润，如果任何费用从其他。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="125" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="112">地产投资者亦免除不动产收益税上所有处置或 2007 年 4 月 1 日以后。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="134" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="121">但是，交易属性 — — 买入和卖出创造收入 — — 纳税人须缴纳收入税。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="97" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="84">"这项豁免对不动产投资的一个被动收入的纳税人来说意味着"</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="202" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189">扣税： 从出租等住宅可以某一组中的一个属性所得应纳税所得额如果损失是由同一组中的另一个属性，则降低。</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="202" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><br />
</span></div><span style="line-height: 16px;"> </span><div class="force_dir" len="202" style="line-height: 16px; margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"></span><br />
<div class="force_dir" len="37" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="24">19） 买股份 (第 1 页)</span></span></div><span lang="zh-chs" len="189"> </span> <br />
<div class="force_dir" len="81" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="68">如果您税支架是 26%以上，投资于收益股息率的股票。</span></span></div><span lang="zh-chs" len="189"> </span> <br />
<div class="force_dir" len="119" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="106">根据用于获得股东的股息的国家预算设立了一个新的单一层系统。</span></span></div><span lang="zh-chs" len="189"> </span><br />
<div class="force_dir" len="273" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="260">公司缴纳税 26%(YA2008) 和股东收到净股息，获豁免税并不需要与 IRB 提起"股东高税方括号 [高出 26%] 落入基本上是 [获取] 保存的区别。</span></span></div><div class="force_dir" len="225" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="212">"单层股息旨在简化个人报税过程"说蔡 Tia 东莞、 执行董事、 头的税收和财务规划在伟大愿景财富管理 Sdn bhd.</span></span></div><div class="force_dir" len="256" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span len="243"><span lang="zh-chs">"在过去，退款一直很慢。</span><span lang="zh-chs">从现在开始，有无需申报或申请退款。</span><span lang="zh-chs">如公司税在下降，公司将能够向其股东 [在股息的形式] 传递更多的利润，"他说。</span></span></span></div><div class="force_dir" len="174" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="161">然而，并不是所有公司将单层制度下立即一些他们去可能都有归责税收抵免左，他们可以使用它直到 2013年。</span></span></div><div class="force_dir" len="247" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="234">从公司使用的归责系统接收红利的股东将不得不报告金额收到和申请退税，如果他个人所得税率低于该公司的所得税率 (在 YA2007 中的 27%，在 YA2006 的 26%)。</span></span></div><div class="force_dir" len="111" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="98">股东可以识别它所述的股息凭证，由公司使用的系统。</span></span></div><div class="force_dir" len="211" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span len="198"><span lang="zh-chs">税前扣除： 您节省税款是你税支架和 26%（企业所得税率） 之间的区别。</span><span lang="zh-chs">这是仅适用于给出的使用单一层系统的公司的股息。</span></span></span></div><div class="force_dir" len="211" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="32" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="19">20） 投资于房地产投资信托基金</span></span></div><div class="force_dir" len="98" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="85">如果您的纳税支架 15%以上，你可以进入房地产投资信托基金 (REITS)。</span></span></div><div class="force_dir" len="57" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="44">有 11 REITs 主要主板上市。</span></span></div><div class="force_dir" len="183" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="170">给出的这些属性相关的投资的股息税被收税在 15%相比，税股息 26%（根据新的单一 –tier 红利制度)</span></span></div><div class="force_dir" len="95" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="82">仅超过 15%的税括号会享受一些税储蓄投资于房地产投资信托基金</span></span></div><div class="force_dir" len="175" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="162">自收到的个别纳税人的分布已除 15%，纳税人不需要申报纳税申报中的金额。</span></span></div><div class="force_dir" len="103" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="90">扣税： 您节省税款是您的个人税支架和 15%的区别</span></span></div><div class="force_dir" len="38" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="25">企业所有者的举动</span></span></div><div class="force_dir" len="124" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="111">小型企业所有者应执行对他们的税的第一条是要认真的对待它。</span></span></div><div class="force_dir" len="109" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="96">花一些时间战略为您的商务活动，保存数百或数千林吉特。</span></span></div><div class="force_dir" len="25" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="12">这里是六</span></span></div><div class="force_dir" len="25" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="54" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="41">21） 保持帐簿和记录从第一天</span></span></div><div class="force_dir" len="120" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="107">保持单独的银行帐户，为个人和商业交易和建立一个基本的会计制度。</span></span></div><div class="force_dir" len="86" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="73">内陆税收局承认应计制基础上的商业收入。</span></span></div><div class="force_dir" len="186" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="173">这意味着，只要完成事务处理，销售货物或提供的服务，它的值将立即被视为商业收入，是应纳税。</span></span></div><div class="force_dir" len="77" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="64">但是，未支付的交易记录可以减少你的应纳税收入。</span></span></div><div class="force_dir" len="89" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="76">这打的业务的任何开支可以从营业收入中扣除。</span></span></div><div class="force_dir" len="136" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="123">一般的规则是如果它全部和专门支付在您的业务收入，可以扣除费用。</span></span></div><div class="force_dir" len="81" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="68">所以保持所有供应品的你买为您的业务收益</span></span></div><div class="force_dir" len="144" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131">但是我们没有扣除资本支出，虽然一些资产将有资格获得税收减免以资本免税额</span></span></div><div class="force_dir" len="202" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="63" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="50">22) 时间的购买和使用您的固定资产</span></span></div><div class="force_dir" len="138" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="125">资本免税额，允许对某些业务资产设备、 机械、 车辆计算机和软件等。</span></span></div><div class="force_dir" len="179" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span len="166"><span lang="zh-chs">允许每年免税额取决于类别落在这项资产。</span><span lang="zh-chs">（请参阅您的资产扣除率到第 2/2001 号公共裁决。</span></span></span></div><div class="force_dir" len="132" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="119">第一资本津贴是会计年度资产是购买和使用的业务。</span></span></div><div class="force_dir" len="187" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="174">如果你正在考虑购买，试着去做它在会计年度结束前而不是只是后，针对您的业务收入资本免税额。</span></span></div><div class="force_dir" len="144" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131">如果你买租购贷款资产，以及对贷款人进行还款时只可以申请免税额。</span></span></div><div class="force_dir" len="144" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="144" style="margin: 0px; outline: none; padding: 0px;"><div class="force_dir" len="35" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="22">23） 买了公司的车</span></span></span></div><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"> </span> </span><br />
<div class="force_dir" len="151" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="138">如果您是个体经营或合伙经营，任何汽车或为商业目的使用的车辆可以带来减税。</span></span></span></div><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"> </span> </span><br />
<div class="force_dir" len="109" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="96">"商业收入被减少汽车的融资成本如果你买的车上租购。</span></span></span></div><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"> </span></span><br />
<div class="force_dir" len="84" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="71">你也是扣除一定数额的资本免税额每年</span></span></span></div><div class="force_dir" len="151" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="138">在实施之前此税节能技术，企业所有者必须标识是为私人活动的这辆汽车的使用的百分比。</span></span></span></div><div class="force_dir" len="181" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="168">正如何确定这一比例为私人使用没有明确裁决，企业所有者必须应用公平和合理的图可以承受的审查。</span></span></span></div><div class="force_dir" len="128" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="115">"估计私人里程是必须根据您的实际使用情况的事实进行练习。</span></span></span></div><div class="force_dir" len="98" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="85">记住要记录所有正在运行的开支，使这些扣减额，"桑顿说道。</span></span></span></div><div class="force_dir" len="98" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="50" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="37">24） 雇用你的配偶或家庭成员</span></span></span></div><div class="force_dir" len="83" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="70">节省税款的有效战略是雇用配偶或家庭成员。</span></span></span></div><div class="force_dir" len="184" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span len="171"><span lang="zh-chs">"例如，丈夫是企业的所有者可以雇用他的妻子。</span><span lang="zh-chs">妻子的工资是可以扣税，但你必须能够显示她做什么来赚来的</span></span></span></span></div><div class="force_dir" len="158" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="145">在这种情况，你要为你妻子的雇员公积金基金 （EPF） 储蓄作出贡献和这一数额赋予她的税项宽减。</span></span></span></div><div class="force_dir" len="95" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="82">另一个选项是使你的配偶或家庭成员在您的业务合作伙伴。</span></span></span></div><div class="force_dir" len="95" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="82">这使您可以划分的你们两个之间的业务收入。</span></span></span></div><br />
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<div class="force_dir" len="147" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="134">作为一种伙伴关系有没有纳税义务，双方都有责任为各自的业务收入部分纳税每挣。</span></span></span></div><div class="force_dir" len="141" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="128">"通过选择夫妇分开评税，丈夫和妻子在一个企业中的合伙人是可以每个申请个人税收减免。</span></span></span></div><div class="force_dir" len="141" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="66" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="53">25） 实施过程 '后追' 未偿的债务</span></span></span></div><div class="force_dir" len="131" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="118">不幸的是，小企业主可以完成销售或服务，但可能无法收到付款，全额或部分。</span></span></span></div><div class="force_dir" len="184" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="171">在一个会计年度结束，债务，预计可全部或部分不能追回，可以从您的业务收入中扣除，这会降低你税条例草案 》。</span></span></span></div><div class="force_dir" len="144" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="131">"税务机关往往密切注视坏帐核销和 (预计将部分可收回的债务） 的规定。</span></span></span></div><div class="force_dir" len="130" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="117">所以放一些努力，把它看作不能追回之前收回债务，您必须单独评估每个债务。</span></span></span></div><div class="force_dir" len="177" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="164">应记录你放到位，以恢复您的未偿的债务的过程，应与文件，以及支持你做出任何结论。</span></span></span></div><div class="force_dir" len="109" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="96">例如，您必须显示为什么它它不成本有效的对客户采取法律行动。</span></span></span></div><div class="force_dir" len="202" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="189">但是，如果你最终恢复已被注销或部分注销的坏账，你必须包括这一数额在您应纳税所得额中您收到的付款一年。</span></span></span></div><div class="force_dir" len="202" style="margin: 0px; outline: none; padding: 0px;"></div><div class="force_dir" len="53" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="40">26) 奉献在家庭办公室中的空间</span></span></span></div><div class="force_dir" len="112" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="99">在你自己的房子工作可能会导致您"在家办公"的有关费用的税收减免。</span></span></span></div><div class="force_dir" len="101" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="88">这包括电、 电话费、 退出的租金和服务收费的公寓。</span></span></span></div><div class="force_dir" len="114" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="101">声称这些扣减的最佳方法是奉献一个房间或地方作为的工作环境。</span></span></span></div><div class="force_dir" len="129" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="116">"专用的区有助于确定哪些是专门为商业目的和可以索赔全额的费用。</span></span></span></div><div class="force_dir" len="115" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="102">必须分摊项目所使用的业务，以及个人使用，例如电力、。</span></span></span></div><div class="force_dir" len="60" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="47">这样做的方法之一是根据楼面面积。</span></span></span></div><div class="force_dir" len="121" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="108">如果企业所有者支付租金为工作区，这笔开支可以从营业收入中扣除。</span></span></span></div><div class="force_dir" len="113" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="100">这适用于租金支付给配偶一方拥有家庭，但不是所涉及的业务的人。</span></span></span></div><div class="force_dir" len="188" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="175">然而，这是战略是唯一有效的如果不是在业务中所涉及的配偶征税税率低，所收到的租金必须声明为应纳税所得额。</span></span></span></div><div class="force_dir" len="177" style="margin: 0px; outline: none; padding: 0px;"><span lang="zh-chs" len="189"><span lang="zh-chs" len="131"><span lang="zh-chs" len="164">如果这是适当的战略，为业务所有者，租赁协议，指定租住的房子在当时的市场利率的特定部分。</span></span></span></div><div><script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script><br />
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26 SIX WAYS TO SAVE TAX IN MALAYSIA

26 Tax-Saving Moves They are legal and permitted by Inland Revenue Board ( IRB ) 1) Save for your Child’s Education Since 2007 , ...

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26 SIX WAYS TO SAVE TAX IN MALAYSIA

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