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What we do in my family, use both smartly. For the FIRST consultation and diagnosis where speed matters (to know what you are dealing with),…
On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…
Technically, if you're carrying on a business in Malaysia, you're supposed to register with SSM, it's not really optional even for "small sm…
I faced this as a new joiner too. What worked: I joined the team lunch once or twice a week to bond, and on other days brought my own food o…
I started exactly like you, selling frozen murtabak from home. Once it's a real ongoing business (not just occasional), you should register …
Cleared my PTPTN last year after 8 years, so I have lived the whole journey. First, don't feel ashamed, the vast majority of grads have it, …
I felt exactly this way 6 years ago, so let me give you the long view. Fresh grad starting RM2800-3200 is normal for many non-technical fiel…
Survived on exactly RM3k in KL for two years, so real numbers for you. Room rental in a shared unit around Cheras or KL fringe: RM650-800. F…
Switched from banking ops to data analyst at 33, now 37 and no regrets. Things I wish somebody told me: one, your age is not the problem, yo…
From my experience renting in the Klang Valley, normal wear and tear should not be deducted, only actual damage you caused. Repainting after…
You can renew via the MyOnline Passport app / Imigresen portal - do the application and payment online, then you either collect at the chose…
Good of you to care about your colleagues. The gold standard is the official JAKIM (or the state Islamic authority) halal certification, tha…
I have an ASB loan for about 8 years now, here is the honest picture. The concept works IF the ASB dividend consistently beats your loan int…
KL to Kelantan Raya veteran here. The single biggest tip: leave at an odd hour, not when everyone else does. I leave around 2 to 4am the day…
Been through two accidents, so here's the proper Malaysian playbook. At the scene, stay calm, don't move the cars until you've taken lots of…
Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…
Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …
Worked in Singapore for 6 years then chose to come back, so I have seen both the appeal and the reality. On paper the salary multiple looks …
Yes, this is exactly what SOCSO (PERKESO) covers, it's called a commuting accident under the Employment Injury Scheme, an accident during th…
KL to Kota Bharu is no joke, that's the East Coast run and the pitfalls are different from the North-South Highway. First, don't blindly tru…
Panel clinic all the way for minor stuff lah - free with your medical card, fast, no long queue, and you get MC easily if you need to rest. …
I've been in a similar spot. My advice: take photos of both cars, the plates, and the scene immediately, exchange IC and phone numbers, then…
What your landlord is asking is actually the Malaysian standard, so he's not cheating you, but everything is negotiable especially in the cu…
Eight months is workable but for popular dewan on peak weekends (school holidays, after Raya, 'good dates'), the best ones get booked a year…
This is so common in Malaysian families and it hurts, because you want the people closest to you to get it. A few things I've learned. (1) Y…