PCB
Source: https://coachadib.com/module/6ac04061ef88b1e0248d4f17
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.460 – 00:00:30.380] PCB. Pembayaran cukai tahunan. Bayar sikit-sikit, lama-lama jadi bukit. Bagus sebenarnya PCB ni. Dan kita biasa carum KWSP, carum IS dan sebagainya. Kita kena carum juga potongan. Bukan carum lah. Dipanggil potongan cukai bulanan. Potong setiap bulan terus. So selamat. Kita declare awal-awal. Hai, saya ada income, bayar set siap. Anggap lah LHDN sebagai partner kita. Dah settle. Sumbang lah balik kepada negara nak buat macam mana kan. So flow PCB, ni lah lengkapkan

[00:00:30.380 – 00:00:32.120] data, kita masukkan

[00:00:32.120 – 00:00:33.840] kita punya relief yang kita layak

[00:00:33.840 – 00:00:35.820] kira contoh potongan

[00:00:35.820 – 00:00:37.960] gunakan e-PCB, bolehlah

[00:00:37.960 – 00:00:39.580] Google sendiri, AI sendiri

[00:00:39.580 – 00:00:41.760] lepas tu kita bayar setiap bulan

[00:00:41.760 – 00:00:43.740] selewat-lewatnya 15 bulan

[00:00:43.740 – 00:00:46.080] jadi katakanlah, kita punya gaji

[00:00:46.080 – 00:00:48.380] dalam sekitar 10 ribu

[00:00:48.380 – 00:00:50.580] jadi kita potong

[00:00:50.580 – 00:00:52.140] siap-siap PCB kita

[00:00:52.920 – 00:00:54.540] contoh, kita potong

[00:00:54.540 – 00:00:56.400] 2 ribu, potongan payroll

[00:00:56.400 – 00:00:57.580] oh, potongan payroll

[00:00:57.580 – 00:01:00.180] ini sebab potong payroll

[00:01:00.180 – 00:01:03.040] Jadi yang kita dapat 7,900 je

[00:01:03.040 – 00:01:04.460] Kenapa pula botong banyak ni

[00:01:04.460 – 00:01:06.760] Macam eh asahlah aku dapat sikit je

[00:01:06.760 – 00:01:07.840] Okey kisah dia macam ni

[00:01:08.800 – 00:01:11.140] 1,100 potongan

[00:01:11.140 – 00:01:13.000] Calvul SP dan sebagainya

[00:01:13.000 – 00:01:13.880] Dia 11%

[00:01:13.880 – 00:01:16.820] Jadi 10,000 tolak 11% caruman Calvul SP

[00:01:16.820 – 00:01:18.560] Kita dapat berapa je kan

[00:01:18.560 – 00:01:20.880] EPF tolak EPF 11%

[00:01:20.880 – 00:01:21.880] Kita dapatlah

[00:01:21.880 – 00:01:23.820] Maybe dalam sekitar 9,000

[00:01:23.820 – 00:01:26.600] Tetapi tolak pula dengan potongan

[00:01:26.600 – 00:01:27.840] PCB RM150

[00:01:27.840 – 00:01:29.420] Yang kita dah kira tadi tu

[00:01:29.420 – 00:01:31.480] So, jadilah total RM2,000

[00:01:31.480 – 00:01:33.120] Sebab itulah gaji besar

[00:01:33.120 – 00:01:35.600] Tapi komitmen pun besar jugalah

[00:01:35.600 – 00:01:36.860] Kepada PCB

[00:01:36.860 – 00:01:37.800] Tapi jangan risau

[00:01:37.800 – 00:01:38.980] InsyaAllah kita apply

[00:01:38.980 – 00:01:39.640] Cantik-cantik

[00:01:39.640 – 00:01:40.880] Kita boleh buat loan dengan bank

[00:01:40.880 – 00:01:42.960] Kita pun tak lari daripada LHDN

[00:01:42.960 – 00:01:43.740] So, hidup tenang

[00:01:43.740 – 00:01:44.360] Hati girang

[00:01:44.360 – 00:01:45.860] So, payroll

[00:01:45.860 – 00:01:47.280] Lepada payroll

[00:01:47.280 – 00:01:48.060] 15 hari bulan ni

[00:01:48.060 – 00:01:48.440] Deadline

[00:01:48.440 – 00:01:50.440] Untuk kita carum PCB

[00:01:50.440 – 00:01:51.260] Kalau tak pasti

[00:01:51.260 – 00:01:52.820] Boleh tanya

[00:01:52.820 – 00:01:53.820] Anda punya

[00:01:53.820 – 00:01:54.440] Cosek

[00:01:54.440 – 00:01:55.260] Company Secretary

[00:01:55.260 – 00:01:57.060] Ataupun tanya orang-orang yang pakar

[00:01:57.060 – 00:01:58.240] Yang penting

[00:01:58.240 – 00:02:00.740] ini guys, inilah nombor dia

[00:02:00.740 – 00:02:02.120] eh eh, ini nombor dia

[00:02:02.840 – 00:02:04.920] dapat RM10,000, sebenarnya bersih

[00:02:04.920 – 00:02:06.640] RM8,000 je, itu je

[00:02:06.640 – 00:02:08.840] RM2,000 ikhlaskan lah untuk

[00:02:08.840 – 00:02:10.500] bayar KWSP

[00:02:10.500 – 00:02:12.540] dan juga PCB, bila kita

[00:02:12.540 – 00:02:14.600] business owner, walaupun kita sebenarnya tak wajib carung

[00:02:14.600 – 00:02:16.480] KWSP, sebagai director company

[00:02:16.480 – 00:02:18.600] kita boleh je tak nak carung KWSP

[00:02:19.540 – 00:02:20.640] tetapi, kalau tak carung

[00:02:20.640 – 00:02:22.140] KWSP, kita pula sangkut

[00:02:22.140 – 00:02:24.460] kita susah nak buat loan in the case of emergency

[00:02:24.460 – 00:02:26.480] company tak cukup duit, kita at least boleh jadi

[00:02:26.480 – 00:02:28.020] backup kepada company

[00:02:28.020 – 00:02:29.860] Kita nak buat loan rumah ke

[00:02:29.860 – 00:02:31.060] Nak buat loan kereta ke

[00:02:31.060 – 00:02:31.760] Mencabar pula

[00:02:31.760 – 00:02:32.360] That's why

[00:02:32.360 – 00:02:33.940] Please carum KWSP

[00:02:33.940 – 00:02:36.380] Carumlah pelindungan perkeso

[00:02:36.380 – 00:02:37.260] Apa benda tu

[00:02:37.260 – 00:02:38.840] At least kita pun protected sebagai staff

[00:02:38.840 – 00:02:40.500] Dan carum PCB siap-siap

[00:02:40.500 – 00:02:41.840] So duit yang dapat tu

[00:02:41.840 – 00:02:43.740] Kita boleh belanja tanpa rasa bersalah

[00:02:43.740 – 00:02:44.280] Okay

[00:02:44.280 – 00:02:46.380] Kita jumpa dalam video yang seterusnya

[00:02:46.380 – 00:02:46.880] PCB