Monthly Archives: December 2009

RMvalues in 2009

Year 2009 is going to end soon while we are counting down to the up coming of year 2010.

We,here would like to conclude the performance of our site from the past.

RMvalues main site was established on 22nd Feb 2009.

RMvalues How to Earn & Save Money Tips & Tricks Blog was launched on 22nd November 2009.

RMvalues FaceBook Fan Page was established on 8th November 2009.

RMvalues twitter was establish on 8th November 2009 as well.

The purpose of the exist of  RMvalues is to share the informations, tips and tricks on how to maximize your RM’s (Ringgit Malaysia) values. But how to achieve it?

  • Save money
  • Same products but cheaper – Brand always affect the price
  • Free is the best – Get without paying even a single cent
  • Prevent from getting cheated, get away from scammer
  • Reveal the hidden charges
  • Avoid losing money
  • Earn extra money – Online or Offline
  • And many more

Beside that, RMvalues is happy to say, we are verified by Norton and McAfee as clean and safe to browse site.

Below is the statistics of RMvalues site :

Since 22nd Feb 2009 until 31st Dec 2009 -We have total 7,455 visitors with total 11,818 pageviews and average 1 minutes and 41 seconds time on site.

November we have successfully achieved 1000 visitors, and December we have 1,591 visitors. We are growing constantly and thank you for your support.

70% visitors came from Malaysia. The rest are from USA, Singapore, India, United Kingdom, Netherlands and others.

Top 5  most visited pages are:

Top 5 entering sources are:

Directly Visit
LowYat Net

Statistics for RMvalues How to Earn & Save Money Tips & Tricks Blog :

Since 22nd Nov 2009 until 31st Dec 2009 – Over 700 visitors with over 1,00 pageviews and average 2 minutes and 5 seconds time on site. Over 88% visitors came from Malaysia.

Statistics for RMvalues FaceBook Fan Page :

Over 610 fans are with us.

RMvalues are funded by our own — admin, editors and team members. Beside that, we are looking for the source of funds to continue maintaining this site, they are:

  1. Space for advertising on our main site
  2. Placing advertisement/banner from Adbrite, Chitika, 7Search, Amazon and ClickBank
  3. Donation

If you would like to lend us a helping hand, you can donate us or buy the advertising space on our main site.

We had paid the server rent until 31st Dec 2010 and our domain name ( are renewed until 20th Feb 2014. That’s mean we will continue to serve you at least until 31st Dec 2010. 😉

Service Tax Chargeable When Credit Cards and Charge Cards are Issued or Renewed

Service Tax Chargeable When Credit Cards and Charge Cards are Issued or Renewed

Referral url :

The Association of Banks in Malaysia (ABM) has been extended a copy of the guidelines issued by the Ministry of Finance following from the announcement in respect of the imposition of a service tax of RM50 a year on each principal credit card and charge card and a service tax of RM25 a year on each supplementary card effective 1 January 2010 as announced in the 2010 Budget Speech. Having read and discussed the same with its member banks as well as other card issuers quickly, ABM would like to apprise cardholders as follows:-

1. The service tax will be collected by banks and other card issuers from credit and charge cardholders and paid to the Director General of Customs and Excise. In this respect, the amount of service tax payable will be set out in the cardholders’ monthly statement separately.

2. Service tax becomes chargeable at the time when the credit card or charge card is issued, on the anniversary date or upon renewal. The following are examples on when service tax would be chargeable:-

Example 1: Case of a new credit card or charge card issued which is valid for 1 year

Say, a credit card or charge card is issued to a new cardholder on 10 January 2010 with a validity period of 1 year expiring on 9 January 2011. A service tax of RM50 would be chargeable on 10 January 2010, the date of issue of the card.

Why don’t get a debit card, it’s free from service tax.

Example 2: Case of a new credit card or charge card issued which is valid for 5 years

Say, a credit card or charge card is issued to a new cardholder on 8 March 2010 with a validity period of 5 years expiring on 7 March 2015. A service tax of RM50 would be chargeable on 8 March 2010, the date of issue of the card and on every subsequent anniversary date, i.e. 8 March 2011, 8 March 2012, 8 March 2013 and 8 March 2014.

Example 3: Case of existing credit card or charge card which is valid for 5 years

Say, an existing cardholder has a card that was issued to him on 18 May 2008 with a validity period of 5 years expiring on 17 May 2013. No service tax would be chargeable on its anniversary date i.e.18 May 2009 in view of the fact that imposition of service tax will only be effective 1 January 2010. A service tax of RM50 will however be chargeable respectively on 18 May 2010, 18 May 2011 and 18 May 2012.

3. The following cards do not fall under the purview of the imposition of service tax :-

  • Debit cards
  • Petrol cards (cards issued by petrol companies such as FleetCard and SmartPay)
  • Closed community charge cards used at work places, schools and clubs only
  • Loyalty cards (such as Bonus Link)
  • E-money (such as Touch n’ Go)

4. Service tax will not be charged for replacement cards issued in connection to lost or spoilt cards or fraud.

5. In the event a credit card or charge card is upgraded (such as in the case of a Classic card to a Gold card) or downgraded (such as in the case of a Gold card to a Classic card) or converted (such as in the case of an Islamic card to a conventional card, or a co-branded card to a generic card, or vice versa) or reinstated (such as in the case of a cancelled card), service tax will be charged in respect of the new cards issued unless the anniversary dates of the previous and the new cards are the same.

Banks and other card issuers are allowed to enter into arrangements where cardholders may apply redemption/reward points or rebates they earn through using their cards for the payment of the service tax.

Member banks and other card issuers will be contacting their cardholders in respect of the imposition of the service tax. For any general enquiries on the service tax on credit or charge cards, please contact the toll-free hotlineABMConnect at 1-300-88-9980 from Monday to Friday or email to [email protected].

List of Banks’ Dedicated Lines for Customer Services

Affin Bank Bhd1-800-88-3883
Alliance Bank Malaysia Bhd03 – 5516 9988
AmBank (M) Bhd1-300-80-8888
CIMB Bank Bhd1-300-88-0900
Citibank Bhd03 – 2383 0000
EON Bank Bhd03 – 2616 1133
Hong Leong Bank Bhd03 – 7626 8899
HSBC Bank (M) Bhd1-300-88-1388
OCBC Bank (M) Bhd1-300-88-5000
Public Bank Bhd1-800-88-3318
RHB Bank Bhd1-800-88-4663
Standard Chartered Bank Malaysia Bhd1-300-88-8888
United Overseas Bank (M) Bhd03 – 2612 8121

Water Saving Tips for Home


Fresh water is a precious resource not only in Malaysia, but in this WORLD as well. So, we should do our best to preserve it.

Today, we will discuss about why water should be saved, how you can do so at home and in the workplace, and the potential that reclaimed water has to improve the condition of our environment.

But today we will only focus in how to save water indoor. Let’s see what tips and tricks for saving water:

  1. Check for home for leaks, hidden water leaks can be wasting water without you even being aware of it. A good way to check for leaks is, if your property is metered, then read your water meter and do not use any water for a couple of hours and go back to check that the meter reads exactly the same. If it does not, there is a leak.
  2. Turn off tap while cleaning your teeth, shaving or washing your face. You can waste can up to few litres of water in a minute by just letting the water pour down the sink.
  3. Take a short shower (5 minutes or less is best) rather than a bath could save you up to 80% of water a month. If you do have baths, just half fill them and use aroma relaxing things more (here is the reference to get bulk bath bombs).
  4. Replace you showerhead with an ultra-low-flow version. Some units are available that allow you to cut off the flow without adjusting the water temperature knobs.
  5. After your bath, try using the water left over to wash the toilet floor or to water plants.
  6. Fix any dripping tap, you can waste 70-90 litres a week which will cost a lot more than what might just be the price of a new washer.
  7. Don’t overfill the kettle when making a cup of tea. Only fill and boil what you need, this will save you money on your energy costs too.
  8. Only use the washing machine and the dishwasher when you can put on a full load. It wastes both water and energy to run only a half full machine.
  9. Collect and reuse the discharge water from washing machine to water the plants.
  10. Keep cool water in the fridge so that you do not need to run water down the sink to have a cold drink.
  11. Fit water saving device in your cistern to save when flushing, this can save you 3 litres a flush.
  12. Install faucet aerators on sink faucets can reduce the water flow.
  13. Think before throwing used water down the drain, eg water in a pan after cooking, this could be reused for watering plants around the house when cooled down, or in the garden.
  14. When washing dishes by hand, fill one sink or basin with soapy water. Quickly rinse under a slow-moving stream from the faucet.
  15. Do not use running water to thaw meat or other frozen foods. Defrost food overnight in the refrigerator or by using the defrost setting on your microwave.

Tomorrow we shall continue to how to save water outdoor. To know more water saving tips, visit us tomorrow.