2009年财政预算案褒贬不一（上）

踏入2008年的尾声，政府为人民捎来了一些喜讯，以期“安抚”人民对通货膨胀的担忧。在2009年财政预算案中，政府就提出了几项有利于中低收入阶层以及公务员的税务优惠、津贴等。这无非是希望能增加中低收入阶层的可支配收入，并减轻他们因物价高涨而承受的经济负担。整体而言，打工一族莫过于最欢迎政府调低个人所得税缴税率。凡年收入在3万5000令吉至5万令吉之间者的缴税率将从13%减至12%。此外，个人年收入在3万5000令吉以下者，回扣额也从350令吉增加到400令吉。

在新的税务调整之下，政府估计大约有10万名中等收入的纳税人免于缴税。就比如一个月入3千令吉的纳税人，若他的总年收入在扣除掉所得开销后，他的可征收税收入是低于400令吉的回扣额，他就无需缴税。

政府对高收入一群也一样“一视同仁”，个人年收入超过25万令吉的缴税率一样减少1%，从28%减至27%。无论如何，有些人认为，回扣额从350令吉增加到400令吉，也只不过节省了50令吉。相比油价和物价的高涨，50令吉就显得微不足道了。

所以，大家都比较期盼政府能再次降低油价，这对于他们而言才是最实际的。对此，政府没有调低油价，反而是在未来5年内，拨款350亿令吉改善公共交通。这听起来很振奋人心，民众也期望不必再承受苦等公共交通的煎熬。但是，有关当局必须善用这笔资金，建立一个完善、覆盖网络广的交通系统，真正做到“无需驾车，也可准时到达目的地”的公共交通服务。

此外，政府也极力协助交通业者，如减少德士、巴士和出租车的路税至20令吉、减少巴士的50%过路费、成立30亿令吉的公共交通基金、提供业者低息贷款，以购买巴士和火车车厢等措施。

除了中层阶级，政府也甚关注低收入人民的生活。半岛低收入家庭的每月福利金补贴将从400令吉增加至720令吉。沙巴及砂拉越低收入家庭则分别获得960令吉和830令吉的补贴金。政府也拨款2千500万令吉协助发生紧急事故的家庭、为赤贫家庭建造房屋及维修房屋等。

此外，每月电费少于20令吉的家庭也得以豁免电费。虽然说贫穷家庭没有冷气机、电脑、热水器等较耗电的设备，但是若一个贫穷家庭的人口众多，他们的电源使用量也是会超过20令吉的。

反而是一些在外工作的上班族，他们在外的时间比在家里更多，进而使用很少的电量。因此，政府在制定任何措施前，都应先确定谁是真正的受惠者，以有效地实现原先的目标。

为了应对物价上涨，政府也规划了一系列的税务优惠，其中就包括取消花生、罐头沙丁鱼、果汁、米粉、饼干等的入口税，并将调味品如咖啡精、酱油等入口税减至5%至15%。

这些都是大众每日所需的柴米油盐，不管经济多么坏，我们都要使用这些产品。因此，若商家能在获得税务优惠之后，调低这些产品的价格，就能为消费者省下一笔开销。

食品短缺危机也是2009年财政预算案的考量之一，政府因此拨出56亿令吉充作“国家食品政策”的发展经费，鼓励农民提高生产量。此外，政府也取消所有肥料与农药入口税，以降低蔬菜种植成本。

但是，有消息却说肥料将于9月再涨价。届时，税务回扣也不及肥料涨价的成本，造成税务的豁免也无法稳定蔬菜的价格。下期继续探讨2009年财政预算案对个人、国家的影响。

中小型企业研讨会

中小型企业研讨会

通货膨胀时期的财务规划

起了，起了！终于还是起了！什么起了？股票？很抱歉，不是股票，而是汽油。从每公升1令吉92仙，调涨至2令吉70仙，足足涨了78仙。2008年6月4日5点这一刻，上千、上万民人民涌向各地的油站，一起排队见证这“历史性”的一刻。

汽油起价也许比添油站搞的促销活动更有吸引力，添油站在当天也应该创下有史以来，吸引最多人添油的一天吧！在网上的评论更令人莞尔，有位网友发牢骚地鼓励其他人一起到添油站，势必要将全国的油都打完，以泄“心头之恨”。

一个星期过去了，也是时候恢复心情，好好地规划个人的财务。其实，只要平时有储蓄、有开始投资，我们就不用过于担心汽油、电费的起价，将对我们的生活带来太大的冲击。虽然个人的生活素质或多或少会因此受影响，但是之前若有未雨绸缪，现在就不用过着捉襟见肘的生活了。

当然，财务规划是没有年龄限制的，现在开始也不会太迟。只有一再忽视理财的重要性、有多少花多少的人，才是最危险的。个人理财顾名思义就是自己管理自己的财富，这可从记录个人的收入与开支中开始。不知道你有没有这样的经历，出外购物一趟，过了几天却忘记自己的钱花到哪里去了？

有时候，我们很容易忘记一些小细节的花费，例如泊车费、买冰淇淋的费用等等。所以，若你自认是个健忘的人，就拿一本555簿子、手机或电脑等记录每项支出吧！每到月尾，就将全部消费分类，例如食物、交通、手机费、娱乐费等，再看看哪一项花费超出原本的预算，提醒自己下个月不可以再超支了。

只有坚持不懈地记录、检讨本身的收入与消费，才能达到收支平衡的成绩。此外，我们不能将全部的收入都用于开销，总要想办法从收入中挪出一笔资金作为紧急金、储蓄或投资基金。这样才能够有个“备胎”，应付生活上的一些改变，例如汽油大幅度涨价、意外等额外花费。

对于储蓄或投资，一些人或许会觉得每个月的收入在扣除掉房贷、车贷、信用卡等债务后，都已经所剩无几了。如果每个月都没有剩余的钱，就要尝试从收入或开销方面着手，从各个方面提升个人的收入例如兼职、创业等等。至于开销方面，就是恒古不变的道理，只买必需品，减少购买奢侈品。

在持之以恒的态度下，相信你可以存到一笔不少数目的钱。至于如何运用这笔钱，你应该尽量将钱花在可以为你增值的事情上，例如报读可以为自己增加知识与技能的课程、多元化投资在各种基金、股票等等，甚至根据自己的强项，开创自己的事业。

这些事情都是为未来投资，短时间内或许看不到任何成绩，但是一段时间后，只要用对方法、锲而不舍地学习，就离目标不远了。此外，一个人一生中会遇到不少危机，例如生病、意外、失业等等。因此，我们应根据自己的财务能力，购买适合的保险或增加保单的保额，将危机的损害减到最低。

政府宣布8月份开始，油价将随国际油价浮动，届时政府可能再次调整油价，通货膨胀将进一步加剧。因此，只有财务稳定，我们才不用时常为钱不够用的问题而烦恼，并拥有足够的现金去应付生活上的任何改变。总括而言，如何抗通膨已经成为了今年的首要任务，你要做好准备哦！

Thailand Land Banking

What is Land Banking?

Land Banking (land investment) is the practice of acquiring land and holding it for future use.

Historically, countless fortunes have been made in Land Banking by individuals who understood the concept of buying and holding pre-developed land in the path of growth. They did nothing more than buy and hold land in growing regions. Imagine buying land on the outskirts of London, New York, Tokyo at prices 50 years ago and what it is worth today.

World Famous Land Bankers
Worldwide famous personalities have made fortunes by investing this way. For example; Rockefellers, Donald Trump, Richard Branson, Howard Hughes, Walt Disney, Li Ka-Shing, Mori family (Mori Trust) to name but a few.

Good Timing for Land Banking
So when is the best time to invest? Invest while prices are still affordable, where there's room for growth, and where the potential for profit is greater. This is buying land at the pre-developed stage. One could compare purchasing land at the pre-developed stage to purchasing at wholesale, while purchasing land at the developed stage to purchasing at retail.

Land banking is timeless. The power of land is universal. The pressure of an exploding population on unimproved land places the owner of that land in an enviable profit-making position that will never again exist. Once the land is improved, the original opportunity is gone.


Why Thailand?

As a fast growing, emerging economy, Thailand offers huge growth opportunities in land investment, which had been previously only available to wealthy Thai nationals. With Royal Siamfs help, non-Thais can now take part in this highly lucrative growth area. Thailand also offers many attractive reasons to vacation and even relocate there.

The cost of land although rising at a fast pace is still inexpensive in comparison to most other countries. This, combined with low construction costs makes real estate in Thailand very attractive. Fastest economy to emerge from the Asian financial crisis in 1997.

More money has been made through the ownership and development of land than through all other investments combined, more than all the stocks and bonds ever created or all the gold and silver ever mined. Consistently delivering solid investment opportunities that provide significant returns, we committed to providing top quality land investment opportunities to all our clients.

+++ Facts about Thailand +++

Under valued currency

Fast growing, emerging market, economy

Currently the No.1 vacation destination for Europeans outside of Europe.

The fastest growing retirement destination in Asia, popular among nationals all over the world.

International experts rank Thailand as the World's 4th Foreign Direct Investment Destination and among the top 3 in Asia.


Are you interested to Invest, Please call me at : 012-3900718 or email me : sean@oscarwealth.com

The Most Intriguing Billionaire Heiresses

It used to be heiresses just lunched, shopped and partied. Don't tell the $20 billion babies on Forbes' list of the 20 Most Intriguing Billionaire Heiresses, who defy the stereotype of the bon-bon popping princess thanks to achievements in business, sports and the arts.

Though society and gossip columns track them like Hollywood starlets, these women distinguish themselves by exhibiting the tenacity and risk-taking that makes their parents the most powerful people on Earth. Not all are success stories -- it may take a lifetime for these women to match their parents' legacies.

Forbes editors -- our very own "wealth experts" -- compiled the list. Under 40 and hailing from around the world, the heiresses are ranked according to their father's or mother's most recent net worth on either Forbes' World's Billionaires list, the Forbes 400 list of the Richest Americans or Forbes Asia's 40 Richest Indians.

Vanisha Mittal tops the ranking. Daughter of Indian-born, London-based steel magnate Lakshmi Mittal, Forbes estimates his net worth at $51 billion. Like her brother, Vanisha is active in her father's industrial empire, holding a seat on Mittal Steel's board after interning in the business. She's perhaps best known -- dare we say infamous -- for the $60 million wedding her father threw her and 1,000 of their closest friends in 2005. A performance by pop star Kylie Minogue capped the week-long Parisian affair.

Number two on the list: Delphine Arnault Gancia, daughter of France's Bernard Arnault ($26 billion), who runs the Moet Hennessy Louis Vuitton luxury goods empire. The former McKinsey consultant is the first woman to have been named a director on the LVMH board. At No. 3 is Marta Ortega Perez, the youngest child of Spain's richest resident, Amancio Ortega ($24 billion), the self-made apparel manufacturing giant who lords over Inditex, which counts the Zara fashion chain among its assets. Marta is being groomed to succeed her father, and she's learning the how-to's of retail by working the floor -- stocking shelves, assisting customers -- in some of the family's stores.

Hind Hariri, the youngest child of construction tycoon-turned Lebanese Prime Minister Rafik Hariri, also makes it. Slain in 2005 in a car bombing, his children split the fortune, crowning Hind, albeit briefly, the youngest person listed on Forbes' World's Billionaires list in 2006 with a fortune of $1.4 billion. Despite the tragic circumstances of her father's death, Hind graduated last year from the Lebanese American University in Beirut undeterred from politics. She campaigned for her brother Saad in his recent successful bid for a seat in Lebanon's Parliament.

Two heiresses on the list are vying for spots on America's 2008 Olympic team for show jumping. Both Georgina Bloomberg, daughter of New York City Mayor Michael Bloomberg ($11.5 billion), and Paige Johnson, daughter of Black Entertainment Television founders Robert ($1 billion) and Sheila Johnson, are world- class equestrians with scores of championships under their respective belts.

Several socialites also make the list. Allison Sarofim, daughter of Houston investor Fayez Shalaby Sarofim, is a classically trained chef and sometime actress. The so-called "Downtown Doyenne" transformed her townhouse in Manhattan's West Village into a pseudo-salon for her legendary soirees (slumber parties in her basement, burgers and champagne inside a Moroccan tent erected in her attic). Anna Getty, niece of Gordon Getty and stepdaughter of John Paul Getty III, is a former actress turned yoga guru. She now runs PureStyle Living, purveyors of instructional yoga DVDs and other eco-friendly gear.

Equally accessible: Josie Ho Chiu Yi, daughter of one of Hong Kong's richest men, Stanley Ho ($7 billion). Josie Ho, as she's known to fans, is an indie rocker with several films and commercials to her credit. She even dishes on the often-unglamorous details of her gigs on her blog, JosieHo.com.

Anna Anisimova, daughter of Russian metals mogul Vassily Anisimov ($2 billion), is the paparazzi's favorite bicoastal It Girl of the moment. Her knockout looks help, but her dealmaking really generates the ink. In 2005 she debuted in Manhattan's clubby real estate scene, shelling out $23 million to buy Diane Von Furstenberg's downtown Manhattan headquarters. Most recently, the former model paid $15 million for her 4,000-square-foot pad in the new Time Warner Center.

马来西亚的一棵树引发了中国方便面涨价？

众所周知，马来西亚是棕榈油世界第一大生产国和出口国，中国是马来西亚棕榈油的第一大进口国。据方便面业内人士称，占据方便面成本18%的棕榈油，从去年均价人民币4200元／吨，猛增到现在的人民币8000元／吨，仅此一项，方便面成本即增高11.12%。

事实上，影响棕榈油价格的因素极其复杂，除了受到主产国产量、库存及出口量的影响，其价格还受到了期货交易的影响。另外，石油价格暴涨还使生物燃料概念一再提上工业化生产议程，棕榈油成为各方追捧的宠儿，油价起起落落使生物燃料的比价效应也起起落落。 中国油脂加工企业在价格大幅涨落中最有效的价格风险控制办法是，套期保值。在去年甚至更早的时候有关中国应推出棕榈油期货合约的提法就有了，意在为相关企业提供有效的风险对冲工具，并与大马交易所棕榈油期货市场相呼应，形成世界棕榈油市场新格局。而就在各方对此观望徘徊之际，棕榈油价格已经瞬息万变。