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Financial Planning Is Something You Know You Need To Do
By Kenneth R. Blankenship
For example, the first $10,000 in earnings may be taxed at 5%, the next $10,000 at 10%, and any more income at 20%.

An ad valorem tax is typically imposed at the time of a transaction (sales tax or value added tax (VAT)) but it may be imposed on an annual basis (property tax) or in connection with another significant event (inheritance tax or tariffs).

The question of whether they are generally progressive or regressive is a subject of much current debate.

Overall, it looks great but there are just a few things. I would maybe leave more space for the title page. There could be some design freedom for the title page. A technical thing is that some new paragraphs are slightly indented when I do not think they should be so just look at your consistency. I like the open source rule breakdown but another technical issue is the format. On point two I would align line two under the first one. Basically, design wise I do not like text under numbers because it becomes distracting.

Tax Planning:
The difference between output tax and input tax is payable to the Local Tax

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Authority. Corporate tax refers to a direct tax levied by various jurisdictions on the profits made by companies or associations and often includes capital gains of a company.

Everyone knows the restaurant business is a "people" business, but it's also a "numbers" business. Proper financial planning is the secret to a debt free life.

The estate tax should be eliminated.

Politics of Taxes:
Under most political views, activities funded by taxes can be beneficial to society and progressive taxation can be used in most modern countries to provide an overall benefit to the majority of the population and social justice.

The means of taxation, and the uses to which the funds raised through taxation should be put, are a matter of hot dispute in politics and economics, so discussions of taxation are frequently tendentious.

Gas taxes are a form of Use Tax that is collected for a particular need and to maintain roads. The Tax History Museum provides a synthetic overview of the history of American taxation. Financial Planning:
Since then, other organisations such as the Malaysian Association of Chartered Financial Consultant (MAChFC) have joint the Association as a member. Financial planning is the process of meeting your life goals through the proper management of your finances.

Your responsibility is to share your goals, risk tolerance, and all the information your adviser needs to manage your total financial picture.

The first country to introduce legislation that require a person to be licensed before he can hold himself out to be a 'financial planner' is Malaysia. To be effective, the plan should consider the individual's current lifestyle so that the 'pain' in postponing current pleasures is bearable over the term of the plan.

The designation and the MFPC was created through the collaborative work of the Life Insurance Association of Malaysia(LIAM), National Association of Malaysian Life Insurance and Financial Advisors(NAMLIFA) and Malaysian Insurance Institute (MII) who also become the founding members of the Association or Charter Promoter Organisations (ChPOs).

We believe that financial planning is a continuum,not a one-time event.


Kenny is an experienced family business consultant and business coach who specialized in helping business owners and farmers understand the power of effective communications. Day to day decisions add up to create life long strategies so they are the most important ones any of us is likely to have. To have strategic conversations means to talk about what's important constructively so every decision takes you closer to your objectives. Click here for a free report that will help build your company's capabilities for a brighter future.

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A professional person who develops and maintains the accounting systems, interprets the data and prepares reports; supervises the work of accounting employees and participates in management decisions.