WEBVTT 00:00:04.500 --> 00:00:11.604 Good afternoon, and if you're stuck on the NKVE right now, open your glovebox. 00:00:11.604 --> 00:00:17.524 Mine had eleven receipts, two parking tickets and a kuih wrapper. 00:00:17.524 --> 00:00:26.723 The Inland Revenue Board, LHDN, says every tax relief you claim needs a record, kept for seven years. 00:00:26.723 --> 00:00:29.820 So today, we let AI sort the pile. 00:00:30.920 --> 00:00:37.932 It's Sunday the first of November, and this is the Sunday practical, our hands-on episode. Keep a pen nearby. 00:00:37.932 --> 00:00:41.471 I'm Aiman, and today I'm the one holding the checklist. 00:00:41.471 --> 00:00:46.120 I'm Mei Ling, and I've read the relief tables, footnotes included. 00:00:46.570 --> 00:00:50.086 And I'm Raj, the man with the glovebox. 00:00:50.086 --> 00:00:56.317 AI-YA Daily takes the world's AI news and asks what it means for Malaysian wallets. 00:00:56.317 --> 00:01:03.825 This show is researched and voiced with AI, and edited by the AI-YA team. We practise what we teach. 00:01:03.825 --> 00:01:09.530 Three stories, one Malaysia. Today, they're four steps. Let's start sorting. 00:01:10.630 --> 00:01:18.322 Step one is dull, and it matters most. Put every 2026 receipt in one place before any AI sees it. 00:01:18.322 --> 00:01:23.238 One folder on your phone, called Tax 2026. Cost, zero ringgit. 00:01:23.238 --> 00:01:26.560 And there's a new reason to do it properly. 00:01:26.560 --> 00:01:33.746 In May, LHDN asked taxpayers to request an e-invoice for every purchase linked to tax relief. 00:01:33.746 --> 00:01:40.777 You give the seller your identification number, or your tax identification number, the TIN. 00:01:40.777 --> 00:01:48.812 LHDN is piloting a pre-fill, so relief details from those e-invoices could appear in your 2026 tax form. 00:01:48.812 --> 00:01:54.684 Phones, computers, lifestyle items, insurance and childcare fees were named. 00:01:54.684 --> 00:01:59.596 Hmm. Could appear. And is every shop sending these now? 00:01:59.596 --> 00:02:07.798 No on both counts. The New Straits Times report says "may potentially", so that's a pilot, not a promise. 00:02:07.798 --> 00:02:16.157 And since the first of September, firms with sales under RM3 million don't have to issue e-invoices at all. 00:02:16.157 --> 00:02:21.235 LHDN's chief executive confirmed that threshold in early October. 00:02:21.235 --> 00:02:28.110 With more than 7.6 million active individual tax files, that's a lot of mixed shoeboxes. 00:02:28.560 --> 00:02:33.600 So the corner bookshop keeps handing you thermal paper that fades by March. 00:02:33.600 --> 00:02:39.311 Then you collect from three places. Your email, searched for "receipt" and "invoice". 00:02:39.311 --> 00:02:45.762 Your phone camera, for paper slips. And the MyInvois portal, for e-invoices issued in your name. 00:02:45.762 --> 00:02:50.000 And my glovebox, which I now call the archive. 00:02:51.100 --> 00:02:55.129 Step two is where AI comes in, and where I get nervous. 00:02:55.129 --> 00:02:59.963 I photograph a hundred receipts and ask a chatbot to make a table? 00:02:59.963 --> 00:03:02.487 Yes. Date, seller, item and amount. 00:03:02.487 --> 00:03:08.040 The free versions of Gemini and ChatGPT can read a photo and draft that list. 00:03:08.040 --> 00:03:11.142 You paste it into a spreadsheet afterwards. 00:03:11.142 --> 00:03:18.417 Hang on, say that again. Free? The only free thing I usually get is advice from my brother-in-law. 00:03:18.417 --> 00:03:22.937 This advice is better documented. Here's the part I care about. 00:03:22.937 --> 00:03:28.532 Google's own Gemini privacy page says a subset of chats is reviewed by humans. 00:03:28.532 --> 00:03:32.047 Reviewed chats can be kept for up to three years. 00:03:32.047 --> 00:03:38.790 Its advice is plain: don't enter confidential information you wouldn't want a reviewer to see. 00:03:38.790 --> 00:03:45.338 Real people? Reading my mother's pharmacy receipts? So I just don't use it? 00:03:45.338 --> 00:03:51.520 Okay, but let me finish my thought. Two habits. First, turn off the Keep Activity setting. 00:03:51.520 --> 00:03:59.764 Google says those chats then stay with your account for 72 hours, and aren't used for training unless you send feedback. 00:03:59.764 --> 00:04:05.053 Second, cover your name, address and any ID number before you take the photo. 00:04:05.053 --> 00:04:12.060 For ChatGPT, check its data controls yourself, because we couldn't open OpenAI's help pages this week. 00:04:12.510 --> 00:04:16.176 I'm not convinced a tired parent will do all that. 00:04:16.176 --> 00:04:21.968 My wife will snap forty receipts on our kitchen table in Klang, upload, finish. 00:04:21.968 --> 00:04:26.437 I hear what you're saying, but there's an easy version. Crop. 00:04:26.437 --> 00:04:33.691 An LHDN claim needs four things: date, seller, item, amount. Everything else stays off the picture. 00:04:33.691 --> 00:04:41.950 Fair, I hadn't thought of cropping as security. My terrible photography is finally a privacy feature. 00:04:43.050 --> 00:04:48.518 Step three. Ask the AI to sort your table into LHDN's relief categories. 00:04:48.518 --> 00:04:55.201 Then check every line yourself against the official list. The AI drafts, and you decide. 00:04:55.201 --> 00:04:59.136 Why can't it decide? It reads faster than me. 00:04:59.136 --> 00:05:02.197 Because it guesses, and the rules moved. 00:05:02.197 --> 00:05:08.318 On the tenth of October, you opened our Budget episode with a big one. Remember? 00:05:08.318 --> 00:05:14.324 AI subscriptions counting towards tax relief. I put my teh down. 00:05:14.324 --> 00:05:22.238 Pick it back up. The Star reports that only AI subscriptions paid from the first of January 2027 qualify. 00:05:22.238 --> 00:05:28.645 So your 2026 chatbot bill doesn't count. The real 2026 changes came from Budget 2026. 00:05:28.645 --> 00:05:38.971 There's a new relief of up to RM1,000 for entrance fees to tourist attractions and cultural programmes, for this year of assessment only. 00:05:38.971 --> 00:05:44.815 So I paid all year, and the taxman doesn't even say thank you. 00:05:44.815 --> 00:05:49.810 But my daughter's museum trip in the school holidays… 00:05:50.260 --> 00:05:55.200 May count, within that cap, once LHDN publishes the details. 00:05:55.200 --> 00:06:03.928 Childcare relief of RM3,000 now covers registered after-school transit centres, for children up to twelve. 00:06:03.928 --> 00:06:09.526 The lifestyle cap stays at RM2,500, for books, devices and internet. 00:06:09.526 --> 00:06:17.842 One catch: LHDN's relief page still shows the 2025 table today, so treat the AI's sorting as a draft. 00:06:17.842 --> 00:06:24.900 Tell it to say "unsure" instead of guessing, lah. My staff could learn that habit too. 00:06:26.000 --> 00:06:33.760 We'll give a sponsor the floor for a minute, and then Aiman empties one Bangi family's shoebox onto the table. 00:06:33.760 --> 00:06:41.641 If your team keeps asking what AI actually means for their job, someone should give them a straight answer. 00:06:41.641 --> 00:06:46.871 AI-YA speaks at companies and events across Malaysia. Not a tools demo. 00:06:46.871 --> 00:06:55.637 A clear session on what's changing in your industry, what's hype, and what your people should do differently on Monday. 00:06:55.637 --> 00:07:02.708 Boardrooms, town halls, conferences, or a half-day workshop for the team who'll actually use it. 00:07:02.708 --> 00:07:03.960 Book at ai-ya.my. 00:07:05.060 --> 00:07:13.707 Welcome back, and the shoebox is open. Step four is keeping it safe, and knowing what never to upload. 00:07:13.707 --> 00:07:15.378 Start with how long. 00:07:15.378 --> 00:07:23.146 LHDN's own guidance says every relief claimed needs a record, kept for seven years for audit. 00:07:23.146 --> 00:07:27.740 So this year's receipts may matter well into the 2030s. 00:07:27.740 --> 00:07:35.839 So name files plainly. Date, shop, amount. One folder per year, and a second copy somewhere else. 00:07:35.839 --> 00:07:38.511 Now, what stays off the chatbot? 00:07:38.511 --> 00:07:44.876 Never your MyKad photo or number. Never your MyTax password, or a one-time code. 00:07:44.876 --> 00:07:50.764 Never a full bank statement when one line will do. And keep diagnoses out. 00:07:50.764 --> 00:07:59.993 The Personal Data Protection Act, or PDPA, treats physical and mental health information as sensitive personal data. 00:07:59.993 --> 00:08:03.176 Biometric data joined that list in 2025. 00:08:03.176 --> 00:08:09.382 The law governs businesses, not your kitchen table, but it's a sensible guide. 00:08:09.382 --> 00:08:14.445 Last rule. Never click a "tax penalty" or "tax refund" link. 00:08:14.445 --> 00:08:23.642 In June, fake LHDN emails gave people 72 hours to send bank statements. Real LHDN emails end in hasil.gov.my. 00:08:23.642 --> 00:08:31.117 Same lesson as our voice-clone episode on the eighteenth of October. Urgency is the trick. 00:08:31.117 --> 00:08:35.020 Stop, then check through hasil.gov.my yourself. 00:08:35.470 --> 00:08:38.864 Now the worked example, and it's illustrative. 00:08:38.864 --> 00:08:47.129 Farah is a bank officer in Bangi, her husband Daniel teaches, and they have a five-year-old and a nine-year-old. 00:08:47.129 --> 00:08:54.582 Step one: Farah spends one Sunday hour building a Tax 2026 folder from her email and her paper slips. 00:08:54.582 --> 00:08:58.272 From today, she gives her TIN at the bigger shops. 00:08:58.272 --> 00:09:06.364 Step two: she crops each photo to the four details, turns off Keep Activity, and asks free Gemini for a table. 00:09:06.364 --> 00:09:12.249 Cost so far, zero ringgit. Step three: the AI sorts, and Farah checks each line. 00:09:12.249 --> 00:09:21.003 The nine-year-old's after-school transit centre is new for 2026, if it's registered with the Social Welfare Department. 00:09:21.003 --> 00:09:26.962 Both children's vaccinations go under medical, with a RM1,000 sub-limit. 00:09:26.962 --> 00:09:32.756 Her new laptop and the home broadband share the RM2,500 lifestyle cap. 00:09:32.756 --> 00:09:37.714 Wait. The AI also put Daniel's running shoes under sports relief. 00:09:37.714 --> 00:09:44.579 The Star reported sports shoes as a Budget 2027 change, so Farah marks that line "unsure". 00:09:44.579 --> 00:09:47.473 Good catch, and that's why you check. 00:09:47.473 --> 00:09:53.888 Step four: the folder lives in her free cloud storage, plus a copy on a USB drive. 00:09:53.888 --> 00:09:59.364 If she wants more room, Google AI Plus is RM23.99 a month, with 400GB. 00:09:59.364 --> 00:10:03.510 That's about RM288 a year, or zero on the free route. 00:10:03.960 --> 00:10:07.443 Time, about three Sunday hours across the year. 00:10:07.443 --> 00:10:16.707 What she saves isn't a number we can promise, because it depends on her tax rate, as tax adviser Christine Koh told The Star. 00:10:16.707 --> 00:10:19.227 And a chatbot isn't a tax adviser. 00:10:19.227 --> 00:10:25.600 Check every limit against LHDN's official list, or pay a registered tax agent to look. 00:10:26.700 --> 00:10:32.016 Here's what I can't settle. My family's receipts are a map of our life. 00:10:32.016 --> 00:10:35.311 Clinics, school fees, what we buy and where. 00:10:35.311 --> 00:10:41.675 The free chatbots that read them best are American, and their reviewers may see them. 00:10:41.675 --> 00:10:52.579 And the Malaysian-hosted option, ILMU, is built on foundations from Nvidia and a Chinese lab, Z.ai, as we covered on the twenty-second of October. 00:10:52.579 --> 00:10:58.329 Hosting here doesn't remove the giants. It changes which one sits underneath. 00:10:58.329 --> 00:11:04.581 So for a family's tax receipts, do you use the best free tool and redact carefully? 00:11:04.581 --> 00:11:11.135 Or pay for something hosted closer to home, knowing it rests on another giant's engine? 00:11:11.135 --> 00:11:18.336 There's a third path too. Wait for LHDN's own e-invoice pre-fill, and use no chatbot at all. 00:11:18.336 --> 00:11:21.701 That's slower, and it's still only a pilot. 00:11:21.701 --> 00:11:25.340 Friday, the AI-YA team takes a position. 00:11:26.440 --> 00:11:33.482 Verdict time. Google AI Plus, RM23.99 a month, for sorting a family's tax receipts. 00:11:33.482 --> 00:11:43.155 On the twentieth of October we voted on it for staff work: Bayar from me, Hype from Mei Ling, Free cukup from Raj. 00:11:43.155 --> 00:11:49.888 For staff work my Bayar stands, but for a once-a-year job I say Free cukup. 00:11:49.888 --> 00:11:58.400 Bayar, because 400GB holds seven years of records, though my Hype for staff chatbots still stands. 00:11:58.850 --> 00:12:06.333 Hype, because paying monthly for a once-a-year job is how I collected four streaming apps. 00:12:06.333 --> 00:12:13.623 I'd push back a little, Raj. From January, that subscription itself can count under the lifestyle cap. 00:12:13.623 --> 00:12:20.850 Then ask me again in January, and I'll bring the receipt. My October vote for staff use still stands. 00:12:21.950 --> 00:12:29.170 One thing to do today, and it takes under an hour. Make a folder on your phone called Tax 2026. 00:12:29.170 --> 00:12:35.706 Search your email for "receipt" and "invoice", and save the relief-related ones there. 00:12:35.706 --> 00:12:43.078 Then photograph the paper slips in your wallet and car, cropped to date, seller, item and amount. 00:12:43.078 --> 00:12:45.510 Nothing goes to a chatbot today. 00:12:46.610 --> 00:12:54.008 AI-YA runs AI lectures, workshops and implementation training for Malaysian companies. 00:12:54.008 --> 00:12:56.417 Details at ai-ya.my/podcast. 00:12:56.417 --> 00:12:59.127 Tomorrow is our SME and tools day. 00:12:59.127 --> 00:13:09.810 We take one implementation problem a Malaysian business actually has: the tools, the cost in ringgit, the time saved, and what breaks. 00:13:10.260 --> 00:13:16.282 If this was useful, follow the show and leave us a rating. It helps other Malaysians find us. 00:13:16.282 --> 00:13:20.816 And share it with the person at home who handles the family paperwork. 00:13:20.816 --> 00:13:26.383 Enjoy what's left of your Sunday, and thank whoever keeps your household papers in order. 00:13:26.383 --> 00:13:29.260 Take care, and see you on Monday's drive home.