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01.07.2012 | 鈔票飄飄

[Volume 7 Issue 7, #1462]
最近真係破財, 去香港洗咗一筆(又冇喺澳門贏啲錢返嚟), 等住找咭數之外, 返到嚟又多兩個罰款要俾.. 大喇喇少咗三百幾蚊!! :(
■稅收局查到我2007年報稅有誤, 寄咗封信叫我還錢.. 嘩!! 隔咗咁耐都仲要秋後算帳, 國家真係好等錢洗.. 不過算啦, 反正係自己偷雞不遂, 哈哈!!RM235.69
■嗰日鬼um眼, 開咗支票俾銀行找咭數, 逾期過後先發現唔記得簽名!! 結果俾銀行罰款, 篇篇呢張單嘅款項仲要係多個月內嘅新高!! 真係俾得好冤枉好肉赤~~RM85.43
really not having good fortune recently, after spending for my HK trip (and not winning any money from macao), while waiting for my credit card bills, i now have two penalties to pay.. am RM300+ poorer now~~ :(
■the inland revenue board found a mistake in my tax filing for year 2007, and immediately sent me a letter to ask for top-up.. it's so long ago yet they still want to look back, our country really runs out of money to spend huh?? anyway, i'm paying that because my trick didn't work, haha!!RM235.69
■must have been blinded the other day when i issued a cheque to pay for my credit card bill, only after the due date that i realised i have not signed on the cheque!! so the bank has all reasons to penalize me for both late and financial charges.. what's more that bill came to be the highest balance for the month to-date.. ouch!! this is really a pain in the S!!RM85.43
by [SK] @ about:

76 comments:

  1. HappySurfer1/7/12 8:48 AM

    Good Sunday morning, SK, everyone!

    ReplyDelete
  2. Small Kucing1/7/12 8:51 AM

    Aiyak...I thought am first. mana tau HS faster than me

    ReplyDelete
  3. Small Kucing1/7/12 8:52 AM

    Regarding the credit card penalty, u can contact the bank ask for waver based on yourgoood,payment record.

    ReplyDelete
    Replies
    1. lina1/7/12 8:55 AM

      Yalor...

      even when I'm late, I'd contact the bank to ask for waiver. So far they all obliged. ;p

      Delete
    2. Small Kucing1/7/12 9:13 AM

      Bank r desperate nowadays. BNM New rules makes it harder to market for cards. so if good customer they will want to retain.

      Delete
  4. Small Kucing1/7/12 8:53 AM

    Say if they don't wave, u consider cancel the card

    ReplyDelete
  5. lina1/7/12 8:54 AM

    Next time, pay through online banking/giro transfer no need to sign cheques! ;p

    Penalty sucks!

    ReplyDelete
    Replies
    1. Small Kucing1/7/12 9:15 AM

      Yalor online bnking easier. just extra rm2. Parking n petrol also eat that up la.

      Delete
  6. lina1/7/12 8:56 AM

    Happy Sunday everyone!

    All eaten breakfast yet?

    Or spam SK first before do anything else? kakaka

    ReplyDelete
    Replies
    1. Small Kucing1/7/12 9:16 AM

      Good morning Lina.

      am gvg coffee at mcd

      Delete
    2. Small Kucing1/7/12 9:18 AM

      *hvg. grrrrr hate phone auto correct thingy. I type cili it become coli

      Delete
    3. lina1/7/12 1:22 PM

      cili chg to coli! LOL!!!!

      Delete
  7. Small Kucing1/7/12 8:57 AM

    Few yrs ago i kena coz money bank into wrong card . they contacted me ask for payment. I terkejut. kena penalty rm50 cozkkira late

    ReplyDelete
  8. lina1/7/12 8:57 AM

    After you get tax refund, now got to top-up tax payment pulak?

    I also needed to top-up. For year 2009 if I'm not mistaken.

    ReplyDelete
    Replies
    1. lina1/7/12 8:57 AM

      That time, I earn so little but kena pay tax so much! Boohooo!!!!!!

      Delete
    2. Small Kucing1/7/12 9:20 AM

      Me too. earn not eligible for tax but salary was cut to pay tax when bonus time. sobs. that time no efiling. took ages for them to refund.

      Delete
  9. Small Kucing1/7/12 8:58 AM

    Then I ask for waiver based on good track record.

    ReplyDelete
  10. Small Kucing1/7/12 9:00 AM

    I think they will waive punya coz now bank desperate for credit card biz. no harm trying to ask. tak mintak tak dapat. u mintak mungkin dapat.

    ReplyDelete
  11. Small Kucing1/7/12 9:01 AM

    IRB memang soey one.

    ReplyDelete
    Replies
    1. lina1/7/12 9:04 AM

      totally agree!

      Delete
    2. Small Kucing1/7/12 9:05 AM

      So many yrs baru say got mistake and need to pay back

      Delete
  12. Small Kucing1/7/12 9:04 AM

    Expect us to kip .12 yrs records. if got error they will check for another 6 or 12 yrs recrds...think if like that will check till the time we are not even born yet

    ReplyDelete
  13. Small Kucing1/7/12 9:09 AM

    Y the yr itself they tarak check properly. their negligence should not penalize u mah.

    ReplyDelete
  14. Small Kucing1/7/12 9:11 AM

    Now r they gng to charge u interest on the unpaid amount for those years? If yes, its day light robbery

    ReplyDelete
  15. suituapui1/7/12 9:18 AM

    Never mind. Must pay your taxes, don;t you not pay...because they need the money to pay me my pension. Muahahahahahahaha!!!!!

    Wah! Credit card penalty so much kah? Wah!!!! You must have spent a lot!!! Orang kaya lah tu... If I kena penalty, only a few ringgit to the most.

    ReplyDelete
    Replies
    1. Small Kucing1/7/12 9:22 AM

      STP ..oncee late aje they will charge a mom duno rm20 or rm50 on top of whatever interest on the unpaid amount. last time I kena was rm50. Now duno got reduce or not

      Delete
    2. Small Kucing1/7/12 9:23 AM

      *min

      Delete
    3. suituapui1/7/12 5:55 PM

      Mine o.k. leh. Once I used ATM to pay, did not go through. Then, they called me...gave me a few days' grace after due date some more to go and settle the payment. No penalty.

      Delete
  16. Small Kucing1/7/12 9:24 AM

    Alamak batt low. Happy Sunday to everyone

    ReplyDelete
  17. wenn1/7/12 9:25 AM

    Good morning, everyone!

    ReplyDelete
  18. wenn1/7/12 9:25 AM

    me too..I have spent so much for my recent trip..

    ReplyDelete
  19. wenn1/7/12 9:26 AM

    my husband experienced that before too..he had to pay for that..

    ReplyDelete
  20. wenn1/7/12 9:28 AM

    so far I have paid for my credit cards bills on time..

    ReplyDelete
  21. wenn1/7/12 9:28 AM

    this time I'm expecting a lot of bills to be paid..

    ReplyDelete
  22. Twilight Man1/7/12 9:30 AM

    Good morning bloggers! It is July now.....time flies!

    ReplyDelete
  23. Twilight Man1/7/12 9:31 AM

    Computers don't make mistakes but humans do....

    ReplyDelete
  24. Twilight Man1/7/12 9:34 AM

    Back in the late 90s I remembered the well known PB made a silly mistake when I banked in a small cheque bat RM1k only. After my cheque was cleared, my ATM showed additional RM10K. I was shocked and confused.

    ReplyDelete
  25. Twilight Man1/7/12 9:36 AM

    I told my colleagues and friends about it. They were all more excited and suggested that I closed the account and withdraw all the money out. They said it was not my fault and the bank had no right to charge me......

    ReplyDelete
  26. Twilight Man1/7/12 9:39 AM

    Nah! Nah!.....they called my office and house phone so many times as I had no mobile phone then.... Goodness, I had to go over and sign so many forms to verify their mistakes!! The teller mixed up the cheques and realized it when the other account holder filed complaints for getting poorer.

    ReplyDelete
    Replies
    1. lina1/7/12 1:24 PM

      their mistake and you had to be hassled for it?

      Yeah. what else is new?

      Delete
  27. MEcoy1/7/12 11:28 AM

    yaaaickes thats the enemy of fun expenses hahaha

    ReplyDelete
  28. MEcoy1/7/12 11:29 AM

    dont worry sk im sure things will be ok soon god will find a way

    ReplyDelete
  29. MEcoy1/7/12 11:29 AM

    have a great day sk dont worry yourself to much

    ReplyDelete
  30. Charmaine Pua1/7/12 12:51 PM

    Aiyoyo so careless!! Normally I straight bank in the cc payment into machine XD

    ReplyDelete
  31. lina1/7/12 1:25 PM

    I only use credit card in Malaysia.

    Never use them overseas. So I have to spend whatever cash I have and not more.

    ReplyDelete
    Replies
    1. Twilight Man1/7/12 5:36 PM

      If I am not mistaken, credit cards used in Thailand is quite okay as the interest rate often go up down. Better than looking for money changer there!

      Delete
    2. yvonne2/7/12 2:02 PM

      I got no credit card.... so never encountered such hassle.

      Delete
    3. yvonne2/7/12 2:03 PM

      I'm such an "old" dinosaur who only use cash....

      Yeah, most probably I'll dig a hole in my garden and stash up my gold, kekeke~ just kidding.

      Delete
  32. Reanaclaire1/7/12 10:21 PM

    Never mind... as chinese saying ah.. small money goes out, big money comes in! :)

    ReplyDelete
  33. wenn2/7/12 1:02 AM

    I like to send u a postcard..pls email me yr home address.

    ReplyDelete
  34. Yannie2/7/12 9:19 AM

    Same here SK.

    ReplyDelete
  35. Yannie2/7/12 9:19 AM

    I also found myself poorer in the month of June.

    ReplyDelete
  36. Yannie2/7/12 9:20 AM

    Korea shopping spent a lot of money already. Then....

    ReplyDelete
  37. Yannie2/7/12 9:21 AM

    I banged my rear tyre at something infront the gym.

    ReplyDelete
  38. Yannie2/7/12 9:21 AM

    The tyre burst. RM200 burned.

    ReplyDelete
  39. Yannie2/7/12 9:22 AM

    Then, I forgot to wear the safety belt while driving.

    ReplyDelete
  40. Yannie2/7/12 9:22 AM

    Met police, he took my money without checking my license.

    ReplyDelete
  41. Yannie2/7/12 9:23 AM

    Luckily I only had RM10 that time. RM10 poorer after meeting the police. Hehehehehe!

    ReplyDelete
  42. 海市蜃樓2/7/12 1:47 PM

    之前退嘅家陣拿返，好正常啊！

    ReplyDelete
  43. yvonne2/7/12 2:06 PM

    I use online transfer or GIRO when deal with my money.

    I hardly use ATM card. And my ATM card is not a debit card.

    ReplyDelete
  44. yvonne2/7/12 2:08 PM

    As for income tax, I never, never, got any refund... sigh~

    Usually the inland revenue board will ask me to top-up... grrrh!

    ReplyDelete
  45. yvonne2/7/12 2:09 PM

    Talking about income tax, I have yet to receive any notification from them. I don't know whether I've overpaid or underpaid them.

    ReplyDelete
  46. yvonne2/7/12 2:10 PM

    I remember you saying you've got refund earlier, now have to top-up? Sniff, sniff, why they make things so troublesome?

    ReplyDelete
  47. bluedreamer272/7/12 11:28 PM

    well.. at least you had so much fun and you did enjoy your HK and Macao trip right

    ReplyDelete
  48. bluedreamer272/7/12 11:32 PM

    on top of that, you had a nice birthday celebration too so I guess that's truly worthy

    ReplyDelete
  49. bluedreamer272/7/12 11:33 PM

    oh gosh.. I just can't relate when it comes to credit cards.. I don't have one yet haha.. mine is just debit card

    ReplyDelete
  50. bluedreamer272/7/12 11:34 PM

    hmmm so how much is this 300RM in peso... or in dollar...your currency is higher than us right

    ReplyDelete
  51. bluedreamer272/7/12 11:36 PM

    I really wish I can travel someday...

    ReplyDelete
  52. Koh Kian Fai3/7/12 2:37 AM

    oh well, travel is always Pain in the S, need to get travel often so u will get use to it lol

    ReplyDelete
  53. Koh Kian Fai3/7/12 2:38 AM

    flight ticket is one problem, another problem is stay problem, need to be comfort and safe and hope that it is not over-cost lo

    ReplyDelete
  54. Koh Kian Fai3/7/12 2:39 AM

    eh ur trick didn't work? LOL u try to lari some tax is it? hahahah

    ReplyDelete
  55. Koh Kian Fai3/7/12 2:39 AM

    well for cutting cost purpose, what thing also can do 1 la lol :D

    ReplyDelete
  56. Yannie30/7/12 10:00 AM

    Money easy come and easy go. As long as we are not overspent and having saving. Life is considered not bad already.

    ReplyDelete

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