10 No GST Goods and Services in Malaysia

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Some of the zero-rated GST products. You have yet to notice them


Government & Service Tax or in short GST, it has been implemented a while ago. Do ask any receipt after watching movie at GSC or eating out at McDonalds, there will be a GST charge on display.


Concern for GST burdens the people is inevitable topic. The observation of price increase is a never ending process due to business is always looking for profitable balance sheet. Sometimes, we heard a one-side story from the business owner about the price increase of certain products or service is caused by the authority.


The truth is GST does not needed to be perceived as a bad news. It transparency and accountable practice should be a good mechanism.


These are example of GST exempted products and service for your references.







The poster above explained everything. Your ride with KTM is GST free.


Sugar no GST


2. SUGAR



Sugar and salt are exempted from GST. However, Ajinomoto is not excluded from GST list.







3. ROUND CABBAGE


Either Napa or round Cabbage are exempted from GST.








4. GREEN APPLE



Apple of any kinds are not needed to be put on GST list.






5. AVOCADO


Do you know that a small avocado cost more than RM 5 each ? No one could resist this delicious imported fruit.



japanese mushroom



6. MUSHROOM


There are no sightings of report mushroom is in GST list.







7. COOKING OIL


Cooking oil is exempted from GST. In 2016, there are a change of cooking oil price in the market. If you do buy cooking oil, buy the 1KG cooking oil as the price remain the lowest one.







8. RICE


Asian could not stop craving for rice consumption. In this lovely dish above, it may seem GST free right ? the cabbage, chicken, the green tea, Japanese rice and some soybean soup. In reality, this dish is served in a restaurant and charging you usual 6% GST.








9. SEAFOOD


Buying seafood at local seafood marketplace is free of GST. But, if you happen to buy Japanese roast eel or casually called "Unagi", it is listed in GST.







10. POKEMON GO


I am just prove a point here that some service rendered without any charge of 6% GST. It can be Grabcar or Airbnb or the transaction you made for your favorite game on Playstore.


Besides, if you are using FPX service to pay your ptptn or any transaction that involve directly on FPX, you are compulsory to pay 6% GST.







Top 10 Vegetables & Fruits in Malaysia

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The greatest gift of all is "land filled with milk and honey"




We can all assume our parent taught us eating more vegetables for our health. Ironically, they never really taught us the whole picture. This is not an article that cover everything more of nagging you to recognize all these fruits and vegetables are a blessing.








Okra lady finger

1. Okra / Lady Finger


In a way that it has more similarity to a fruit than vegetable. A pod that containing seed. Eating okra is equivalent eating fruit. Asian love stir fried lady finger with garlic and little bit of chili than eating it raw or boil.


You could get a taste of authentic lady finger dish in any Malaysian "Nasi Kandar" restaurant when available.




Bird eye Chili



2. Bird's Eye Chili



Do you know that Bird's Eye Chili is actually a fruit ?. This is because it contains the seed more or less like a pod. Of course, some of us do not like to eat it. That is the reason why god give us tomato a rival of Chili that what I love to believe.


Can you put bird eye chili and tomato in a same dish ? It is truly sad to agree not all god's creation are meant to blend well together !



Carrot



3. Carrot



Basically it is a tuber. harvest it underneath soil. Frankly speaking, carrot is a giant stem storing all the natural nutrients under the soil. It cant be classified as fruit due to lack of seed and does not grow out of a tree.



Potato



4. Potato


I think some of us confuse potato and french fries in some point of our life. It actually a same thing. I do not know why it widely called as french fries instead of potato fries. It is so confusing ! Due to potato does not contain any seed so it safe to say it is a vegetable stem. We should eat more potato and treat it as a kind of vegetable.



Brinjal Eggplant



5. Eggplant / Brinjal


The king of "vegetable". I seriously think Eggplant should be classified as a fruit. I am a huge fan of eggplant. No one treat it raw and often cook with oil in many variety.




sweet potato



6. Sweet Potato



There are many differences between potato and sweet potato. Firstly, sweet potato is reddish even when skin is peeled off. Sweet potato has this long oval shape and rough surface unlike the potato usually round and fine surface.


Sweet potato is largely popular at Japan and South Korean as opposed to potato. They believe eating sweet potato is good for skin.



Pineapple



7. Pineapple


Historically, people has been crazy about pineapple due to scarce availability and often a dish only on royal dining table in China once upon time. I am very grateful able to taste it in my short lifetime at a grand seafood restaurant that serve pineapple fried rice. Yummy !



large yam



8. Yam


Yam is a large tuber than potato and sweet potato. Behold your eye on this heavy yam ! Yam is much more easily recognized than the rest. Outside of yam is a rough surface whereas, Inside of yam is pure white.



Chili Pepper



9. Chili Pepper


This is some fantastic discovery ever in human food history. This delicious-looking fruit has three distinctive color. Green, yellow and red. Do not fool by it colors, It is the same fruit. I am laughing so hard because once believe that three of them are different fruits.




Vegetable



10. Broccoli


Brocoli is a new trend in vegetable world after discovery of substances hidden in Broccoli could save life before getting diabetes or cancer. 







Pay Your PTPTN Loan 2017

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Pay your PTPTN loan through FPX & Maybank2u




I have written a guide back in 2013 how to pay your PTPTN debt >> link here 

Due to some changes in PTPTN website in 2017, my 2013 guide is pretty much obsolete.


 What You need before performing pay your PTPTN loan through FPX & Maybank2u :


1. Internet connection
2. PTPTN ID & Pass ( you will get this during semester 1 with the help of your lecturer )
3. Maybank2u online banking account (any online banking will do such as CIMB or RHB )
4. A savings of more or less RM 500 ( the reason Why I put more than the required monthly payment amount because "save for rainy days ?" )
5. A mobile phone ( Receiving secret code )



As you search PTPTN on Google, often you will be directed to the above webpage where there are so many other options. Click the one with blue arrow. It means "check your loan balance" in Malaysia language.






Anyone reading to the point that trigger question like "have you regretted taking up PTPTN loan" ? 
I will. Each time I try to pay PTPTN debt. I have skipped lots of PTPTN loan repayment as you can see the screenshot above me at an amounts RM5000 and I have tried very hard to meet the criteria. 


Everyone has different committed monthly repayment amount mine is just RM 183.00. Since I have skipped so many times paying and accumulated so much overdue might as well just pay RM 200.00 





PTPTN FPX



In the second page, you will be prompted to enter your personal email account and choose the bank you like to pay with. 





Everything is perfectly fine. Type your Username and wait till the yours chosen image come out and safely put your password and enter. 


Besides, you will need your mobile phone on your side and power turned on. On the screen insert the code for confirmation of payment from your bank to PTPTN department.





Any payment comes a receipt even a payment done through Internet. In any case of asking you to show a payment receipt there you have it saving in your computer.








It really delightful to see PTPTN website has been getting a new interface displaying so many important details than the previous interface. As you can see above, the advantages of paying through FPX is it is instantly updated after payment is done. 


Have you use JomPAY ? There is no cost but it take time to process at least 3 days of business hours. There are so many ways paying up your PTPTN debts and remember to do so, as there are so many other Malaysian struggle to get loan for their studies. PTPTN must prevail !

Turn your mobile into Shopping machine with Shopee

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"Shopee" is your answer to mobile shopping experience in Malaysia



Do you ever wonder what it like doing online shopping with your mobile phone ? Rapid digital technological advancement allows us seamlessly purchase something at Internet without the hassle going outdoor at all ! 


Purchase something like Fidget Spinner does not really need you to go all the way to nearest shopping mall concern yourself with all the car fumes, car gasoline and parking rates even traffic congestion.


The only thing we need to worry about how much time it required to be delivered to our home. Shopee is an mobile app acting as the middle man between the buyer and thousands of sellers. It is a Internet marketplace platform integrated with online payment system.


Basically what you needed beforehand are Internet banking account, a smartphone, Shopee account and a valid mailing address.



Fidget spinner



There are thousand products listed on Shopee. You could use the "search" functionality. These are the fidget spinners I bought on Shopee. It is important to know some sellers has high ratings and guaranteed a satisfactory service provided to you !





online payment option in Malaysia




Local banks in Malaysia has made tremendous finance technological improvement in recent years. We are now in the era of "checking saving balance on Internet" . Most of us would choose "online banking" as the preferred option.





mobile88
 


Mobile88 is served as a gateway or summary of transaction before entering to your chosen secured bank website. 





The next thing you would see is your chosen online banking option such as RHB. You will need your smartphone now for the confirmation codes and entering it as requested. After successful attempt, your bank will be immediately deducted RM27 to be sent to Shopee for holding. 



Shopee fidget spinner seller



In this stage, Shopee has already informed the seller to ship the products out when Shopee get it hand on your money through online banking. Hand spinner is such a Internet sensation and it really cost nothing to own one of them. Anyways, I bought three fidget spinners with Shopee.




Chatting with seller at Shopee



Meanwhile, you could chat with the seller while you waiting anxiously your items to be sent till your doorstep. Trust me, if you are new in this online shopping, first 3 days is the hardest moments of your life waiting it.



Logistic tracking



Since we have the power tracking commercial airplane, it is safe to say we are now able to track commercial items too ! It so good living in the twenty first century







Order on 27 of May, Received on 5 of June. Approximately less than 11 days of delivering from China to Malaysia. It is your duty to release the payment to the seller when all the items has been safely arrived to the rightful hands.



Shopee is one of the product of Garena. Garena was one of my favorite gaming platform. This is one of my reason buying at Shopee rather than Lazada or 11street. I have performed many online purchasing on laptop but never on smartphone, this is my first tryout on mobile purchasing with Shopee. Thank You Shopee for this amazing experience !