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I do both EPF top-up and ASB as a self-employed person and treat them differently. EPF voluntary contribution: I max out the amount that giv…

We sent both our kids to SJKC and neither my wife nor I are strong in Chinese, so I feel you completely. The first two years are the hardest…

Rented rooms in KL for 5 years across 4 units, so learn from my kena. Standard deposit is usually 2 months rental plus half month utility de…

Did budget Langkawi a few times, here is the playbook. Flights: book early and go on weekdays, and set fare alerts, prices swing wildly. Alt…

First check your company policy: carry forward or forfeit? Many Malaysian companies allow carry forward of a few days, some pay out unused l…

First, check the saman details online (MyEG, JPJ portal, or PDRM eSaman) - see the date, time, location and the recorded speed. If it is AES…

Been there, I had a 14-month gap after my confinement plus caring for my newborn. What worked for me was being honest but brief: 'I took tim…

Stay-home dad for 3 years now, wife is the breadwinner, and I will be honest about both the joy and the sting. The joy is real, I saw my kid…

I ran a Ramly burger and takoyaki stall at two pasar malam in Selangor for about a year and a half, so let me give you the real numbers. On …

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 …

Two kids here, and my honest take after years - dont send just because others send. Thats kiasu trap. Standard 4 still young, if she doing o…

Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…

我會比較不同的品牌的手機價格和配置，選擇最好的價值。例如，我會比較 Apple、Samsung 和 Huawei的手機價格和功能，然後選擇最適合我的手機。通常，我會考慮手機的實際應用，而不是品牌的聲譽。

I've done this and it can work if handled with tact, not arrogance. Instead of bragging 'I have two offers so hurry up', frame it around tim…

I was retrenched after 7 years in 2023 so I learned this the hard way. If you're covered under the Employment Act, you're entitled to retren…

Cost is the practical barrier, so let me lay out the cheaper routes I've used. Befrienders is completely free and confidential, 24 hours, an…

Year 9 of a 30-year loan here, so I am living your question. The honest truth: for the first few years it does not feel like ownership, it f…

Came back after 8 years, here's my honest reflection. The pay cut is real, don't sugarcoat it, headline salaries here are lower. But you mus…

There are real options at lower cost, you just have to know where to look. (1) Government hospitals and Klinik Kesihatan have psychiatry and…

Take a breath, because as a confirmed employee earning below RM5,000 you're protected under the Employment Act 1955, and what they're doing …

This is more common than people think, especially in SMEs. I only realised years later that my 'allowance-heavy' salary structure meant my E…

Commuted from JB to SG for years, so real talk. The money is genuinely life-changing because of the exchange rate, SGD earned and spent/save…

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…

Rule of thumb i pakai: benda macam demam, selesema, batuk, sakit perut biasa, pergi klinik panel je sebab company cover dan cepat dapat MC. …

It's still worth it, but not the easy money it was a few years back, and the strategy has to be different now. Honest reality: (1) Selling g…