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Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
For recurring symptoms like yours over two weeks, do get it properly checked rather than self-medicating with Gaviscon forever, because burn…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…
Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
Adopt don't shop, respect la for that. I got my two from SPCA Selangor in Ampang and also there's PAWS in Subang, both legit and the cats al…
Kajang to city, the MRT is your friend, seriously consider park-and-ride. What worked for me on a similar route: drive to the nearest MRT/LR…
Career gap sebab jaga family tu bukan benda memalukan, dan interviewer yang matang faham. Cara handle: (1) Jujur tapi ringkas: I took time o…
Been through this twice, here's the actual flow when you're not at fault. First, at the scene, take photos of everything, both cars, positio…
What you describing is textbook burnout, and I been there badly in 2021. First, this is real, dont gaslight yourself into thinking you just …
My father did his gallbladder surgery at a government hospital (HKL) and my aunt did the same privately, so I've seen both up close. Governm…
Bro I been through exact same thing. What saved my marriage was setting clear space boundaries BEFORE she moved in, not after. We agreed mak…
Bro, I was in the exact same spot 3 years ago. What I learned: avoiding the conversation is worse than having it. Your GF probably senses yo…
I sell skincare on both since 2023, and the honest truth is TikTok Shop can explode your sales but it eats your time and margin differently.…
Do both if you can, they serve different purposes. i-Saraan (EPF self-contribution for those without a fixed employer) is great because you …
Did the JB to Singapore daily commute for almost 3 years, so let me paint the real picture, not the earn SGD spend RM fantasy. The money sid…
Rule of thumb in the Malaysia job market: find job first THEN resign, unless your mental health already collapsing. Reason is many companies…
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…
Depends on your salary. After the Employment Act amendment, employees earning up to RM4000 a month are entitled to OT pay (1.5x on normal da…
RM30k is realistic if you prioritise and DIY smartly. What blew my budget almost was the little things adding up, so track every ringgit in …
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…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …
Mamak tu institusi sosial Malaysia bro haha. Appeal dia: buka lewat (kadang 24 jam), murah (teh tarik RM2-3, roti canai RM1.50-2), dan tak a…