haziqtwits

[The Futurizts @TheFuturizts]

This is how I'm currently managing my salary and investments.

Give me 5 minutes and I'll share why I’m doing it this way.

(not sponsored!) 🧵

[The Futurizts @TheFuturizts]

Tax reliefs you shouldn't miss out:

1. Vaccines: RM1,000

2. Dental checkup / treatment: RM1,000

3. Medical checkup / mental health: RM1,000

4. Any books (physical or electronic), laptop, phone, tablet, internet bill: RM2,500

5. Sports equipment, rental fees, gym membership: RM1,000

6. EPF voluntary contribution: RM3,000

7. PRS: RM3,000

8. Medical insurance: RM4,000

9. EV Charger + Home CCTV + Food composting machine: RM2,500

10. Entrance fees to zoos, museums, theme parks: RM1,000

View the full list here: https://t.co/iE8XuTFK0T

[The Futurizts @TheFuturizts]

To all Malaysians, there’s really no excuse not to upskill yourself.

HRDCorp is offering 1,948 online courses for FREE. 👀

Most of these courses will also provide you with a Certificate of Completion.

I handpicked 8 topics you don't want to miss.

🧵

[Pemburu Tiket Murah ✈️ @pmbrutiketmurah]

Info tentang pelepasan cukai bagi pelancongan domestik.

Korang boleh claim up to RM1000 untuk kategori berikut

Resit jangan lupa simpan yaaa

[The Futurizts @TheFuturizts]

You can use your EPF funds to invest in Unit Trusts.

But how many of them actually beat EPF’s long term returns (ie. 5-10 yrs)?

I spent the morning looking through the data.

What I found was shocking. 🧵

[BFM89.9 @BFMradio]

📍🟡 “I think it’s going to hit us in June. We’re going to start seeing production stoppages, people losing overtime, shift reductions…”

The Economic Adviser to the Prime Minister’s Office Nurhisham Hussein joins The Breakfast Grille to answer:

• Why oil supply will not resume immediately after the war ends

• Why this shortage will impact every aspect of our lives beyond petrol prices

• Budget cuts to the Ministry of Health and Ministry of Education

Full interview ⬇️

[Bitcoin Malaya @bitcoinmalaya]

8 Money Lessons Schools Won’t Teach You

Some people learn it the hard way, some will never learn it at all

🧵

[Bitcoin Malaya @bitcoinmalaya]

A property agent taught Malaysians to size their debt based on their salary and called it financial advice

He went viral, nobody questioned it

The bank absolutely loves this

Property CAN be an asset but only when it pays you. Not when you are paying it for 35 years hoping prices go up

Be careful of the trap

[☀️ RS₿ 🧬 @RealSunBros]

Kalau kita kembali kepada kerangka syariat zakat yang asal tanpa menokok tambah bentuk-bentuk ibadah baharu seperti zakat pendapatan kita akan dapati majoriti umat Islam hari ini sebenarnya adalah penerima zakat, bukan pembayar.

Zakat bukan diwajibkan ke atas semua orang. Ia adalah kewajipan yang sangat spesifik, dengan syarat yang jelas. Antaranya ialah mencapai nisab, iaitu kira-kira nilai 85 gram emas, dan harta tersebut mesti cukup haul, disimpan tanpa susut selama setahun. Dalam konteks hari ini, itu bersamaan lebih kurang RM50,000 ke atas dalam bentuk simpanan bersih yang tidak disentuh.

Sekarang kita bandingkan dengan realiti.

Data menunjukkan lebih separuh rakyat Malaysia mempunyai simpanan kurang daripada RM1,000. Maka soalnya, berapa ramai sebenarnya umat Islam yang benar-benar memiliki RM50,000 ke atas, yang tidak disentuh selama setahun?

Hanya sebahagian kecil.

Ini bermakna, secara fitrah sistem zakat itu sendiri, majoriti umat sepatutnya berada di posisi menerima zakat, bukan dipaksa menjadi pembayar. Namun apabila diperkenalkan konsep zakat pendapatan yang tidak berasaskan syariat asal Islam, kita menyaksikan golongan yang sepatutnya tidak diwajibkan, kini “diwajibkan”.

Apabila seseorang yang tidak mencapai syarat asal zakat dipaksa untuk membayar, itu bukan lagi ibadah yang memurnikan harta. Itu adalah satu bentuk pemaksaan yang membebankan dan dalam banyak keadaan, satu bentuk kezaliman yang dibungkus atas nama agama.

Dan kita perlu bertanya juga kenapa hanya sedikit sahaja yang benar-benar layak membayar zakat Jawapannya bukanlah misteri.

Harta hari ini tertumpu pada segelintir kecil. Ia tidak mengalir secara sihat dalam ekonomi umat. Kekayaan dikumpulkan, disimpan, dan diputar dalam sistem yang sama, sistem yang berasaskan riba’.

Dan di mana kebanyakan umat menyimpan atau “melabur” harta mereka?

Di dalam instrumen seperti ASB, Tabung Haji, KWSP, dan pelbagai sumber lain yang secara langsung atau tidak langsung terdedah kepada industri perbankan dan riba’. Walaupun dibungkus dengan label “patuh syariah”, realitinya banyak daripadanya tetap bergantung kepada struktur kewangan global yang berpaksikan riba’.

Sangat ironi sebenarnya.

Umat meletakkan harta mereka dalam sistem yang merosakkan nilai harta itu sendiri. Pulangan yang dijanjikan? Sekitar 4–7% setahun, kadangkala lebih rendah. Hakikat sebenar? Nilai mata wang terus merosot akibat inflasi yang dalam banyak keadaan jauh lebih tinggi, didorong oleh pencetakan wang tanpa had (lingkungan 10%-15% inflasi matawang setahun)

Maka apa yang berlaku?

Umat “melabur” dalam sistem riba’ untuk mendapatkan pulangan, tetapi pada masa yang sama, sistem itu sendiri menghakis nilai harta mereka lebih cepat daripada pulangan yang diperoleh. Mereka masuk ke dalam kitaran yang merugikan dari dua arah:

Dicelakakan oleh riba’ ketika mencari keuntungan melalui riba'.

Dicelakakan sekali lagi oleh inflasi yang lahir daripada sistem yang sama.

Golongan yang tidak cukup harta dipaksa membayar zakat.

Golongan yang mengumpul harta terus memperkukuhkan dominasi mereka melalui sistem kewangan riba'.

Jika kita benar-benar serius tentang keadilan & etika ekonomi dalam Islam, maka kita tidak boleh sekadar bercakap tentang “membayar zakat”. Kita perlu kembali memahami struktur asalnya, siapa yang wajib, siapa yang berhak, dan bagaimana sistem itu sepatutnya membebaskan umat, bukan menambah beban mereka.

This is truly bahana fiat riba'.

[The Futurizts @TheFuturizts]

Another tax tip:

Did you know that the RM1,000 Sports Relief can be claimed for:

- Yourself
- Spouse
- Child
- And even your Parents?

This applies to gym memberships, court rental fees, equipment, and even sports competitions.

If you made the payment for your direct family members, you can claim them. 👌

Source: https://t.co/V0iaR1Rmsw

[The Futurizts @TheFuturizts]

Dropping another tax tip!

You know the RM2,500 lifestyle relief can be claimed for reading materials.

But what you probably DON’T KNOW is that it applies to ANY reading material (physical/electronic).

As long as it’s not banned, you can claim.

Examples:

• Audiobooks on Audible
• Online subscription to The Star
• Kindle books (but not Kindle itself)
• Children’s story books (incl. e-books)
• Language learning books from Shopee
• Research reports / industry write-ups

Most people underclaim this relief not because they don’t qualify, but because they don’t realize what counts.

[The Futurizts @TheFuturizts]

3. During the start of the month, I’ll immediately transfer my pay to these places:

• 15%: MooMoo, Luno, Versa (Top up emergency funds or invest)

• 35%: MAE (Pay Rent & Utilities)

• 25%: RYT Bank (Daily Spending)

• 25%: AEON Bank (Daily Spending)

[The Futurizts @TheFuturizts]

2. These days, there are so many places that allow you to easily earn profit every day.

The deposit requirements are so low that you can get started immediately.

[haziqtwits @MohdRomai]

@luxentX An engine flush is good to use when changing oil during interval service, but shouldn't be done so often as they pose risk to seals (they bit harsher/lower pH than normal detergents in the engine oil to clean the dirty deposits). Sometimes an interval around 20k/flush is ok

[haziqtwits @MohdRomai]

Invite returning Trailblazers to link up with your invitation code and log into the game to win Stellar Jades, gift cards, and other surprise rewards

[Dr. Yousef 🇵🇸 @yousef_ki1]

If you see this photo, put a dot to break the algorithm.

[Ooi Beng Cheang @luxentX]

@mohdkautharr Kalau ada sesiapa kena sidai e-wallet sebab akaun kena suspend boleh lapor kepada @FMOS_Malaysia mereka dibawah BNM dan SC
https://t.co/fMi48qRvY5
Tak ramai tahu mengenai FMOS lagi.

[Alon Mizrahi @alon_mizrahi]

A word of advice for people on the side of Palestine and humanity:

The big push to re-legitimize Israel has begun. History-faking lies and propaganda will be slammed in our faces 24/7 now, and censorship of voices and deletion of evidence will reach a peak soon. We are entering a new Middle Ages, where the Zionist Church will use all its immense power to reshape and rewrite the narrative and our collective memory. It will be brutal and relentless.

'Palestine is real and occupied, and Israel has committed a genocide' is the new 'the earth revolves around the sun, and not the other way around' (and Zionism's attempt to suppress the truth will be as successful as the Catholic Church was in censoring Galileo and heliocentrism).

What can we do to fight this?

The best way to fight Zionist propaganda (which is based on sophistry and has no concrete, defensible belief) is to never engage with its current talking point.

Instead, we should stick to simple, commonly acknowledged, irrefutable facts.

Do Palestinians still live under occupation?
Are Palestinians living in Jerusalem citizens of Israel?
Are Palestinians free to exit and reenter Gaza at will?
Is Israel still building and expanding settlements?
What are Israel's set borders according to Israel's own vision?

Specifically, as they focus on the Gaza 'peace' nonsense, pouring tons of confusion and obfuscation on it, refocus on the West Bank without losing sight of Gaza or Palestine as one indivisible political and cultural unit.

We need to develop and maintain an agenda (with legal, social media, diplomatic, and cultural implications) that is totally independent of the current PR campaign Zionism is waging.

When they try to re-legitimize, we should not follow their narrative lead into the shifting sands of contemporary Zionist yada yada. We should lead with our own story and incorruptible standards: what is the status of Palestinians now? What gives Israel the right to force a military dictatorship on them for 60 years?

Lastly, a special effort should be made to move Americans from 'I don't like my country's support for Israel, and the power Israel has over my country' to 'I need to be active and involved in righting the wrong my country helped Israel do unto the Palestinians'.

No one must be allowed neutrality on Palestine: it is the cornerstone of 21st-century human freedom. If Western and Jewish elites are allowed to wipe off an ethnic group from existence and global consciousness in this digital and connected era, then humanity, especially in the West, is doomed.

[Gill Clark aka Oma Gill @OmaGillClark]

There are some athletes who are simply underrated. Tennis player Stan Wawrinka is one of them. During a 14-year period between 2006 and 2019, when men’s tennis was supposedly dominated by “the big 4”, Wawrinka won 3 Grand Slam titles, exactly the same number as Andy Murray. Yet he is rarely mentioned in the same breath as Federer, Nadal, Djokovic and Murray.

Most #badminton fans would probably name Lee Chong Wei, Viktor Axelsen, Lin Dan, and Chen Long as badminton’s equivalent “big 4” men’s singles players over the last 18 years since the start of the Superseries (SS), Grand Prix Gold (GPG) and now #WorldTour (WT) era. I’m also sure some would argue that Momota should also be in that list. Yet I suspect few would immediately think of Chou Tien Chen in that same group of players.

But in successfully defending his title at the #ArcticOpen2025, Chou joins the very exclusive club of now 5 men’s singles players who have contested a total of 40 or more SS, GPG or WT finals – Lee Chong Wei (77), Viktor Axelsen (46), Lin Dan (45), Chen Long (44) and now Chou (40).

A remarkable achievement which confirms Chou as one of the most successful when judged solely in SS/GPG/WT terms.

Not only has Chou contested at least one final every year for 15 consecutive years, but at the age of 35 he is still going strong.

He is a humanitarian who has worked as a volunteer serving food to the homeless. He is not only a cancer survivor, but he also has the physical prowess of the mythical Hercules, and he appears to draw extra strength from his deeply committed faith. He has an insatiable appetite for competition, regularly playing well over 20 tournaments each year, travelling the world with his physiotherapist and biggest supporter, the delightful Victoria Kao.

Whatever the perception, statistics tell their own story. Chou’s prolific appearances in finals without the global recognition makes him possibly one of the most underrated players in terms of SS/GPG/WT achievements. But he’s also probably one of the best athletes, and more importantly, one of the most incredible human beings in the sport of badminton.

📷@badmintonphoto

[haziqtwits @MohdRomai]

@OmaGillClark @bwfmedia What other would also forget, he is the only user of the double face racket which no more on sale, making him the two-faced racket champion