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Went from rejected to approved, here is what I fixed. First, pull your CCRIS and CTOS report (CCRIS free from BNM). Check for any late payme…
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…
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
I've sat on interview panels at two GLCs and honestly the dress code matters less than people think, but you still want to signal you took i…
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…
Statistically most people who accept counter-offers leave within a year anyway, and I was one of them. My company matched my salary but the …
This is more common than people think, especially in SMEs. I only realised years later that my 'allowance-heavy' salary structure meant my E…
Teacher for over a decade, and I will give you the balanced answer because both SPM is everything and SPM is useless are wrong. The truth: S…
I help my parents with this every year. The official channel is the LHDN STR portal, and there's a phone line (the Hasil Care Line) if you h…
I successfully disputed a saman before. First, check the details carefully on the MyEG or PDRM/JPJ portal, the location, time, and vehicle. …
Under the Employment (Termination and Lay-Off Benefits) Regulations, the MINIMUM is: less than 2 years service = 10 days per year, 2 to 5 ye…
You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…
PTPTN charges a low 1% "upah urus" (admin/ujrah), not conventional interest, so the cost of holding it is very low compared to other debt. S…
Been running home food biz 3 years. Start small - dont invest big first, test demand with your neighbours and one office building. Licensing…
For your budget and salary, both are solid choices since Perodua parts and service are the cheapest and most available in Malaysia, but let …
I stay in a PR1MA in Selangor going 3 years now, sharing honest experience. Pros: I bought at below market price, and monthly instalment che…
I withdrew a bit from Akaun Fleksibel last year to clear a high-interest credit card debt, and honestly for THAT purpose it made sense becau…
I bought a RM280k apartment in Semenyih at 26 using the Skim Rumah Pertamaku (My First Home) which let me take 100% loan with no downpayment…
Good on you for wanting to do it properly, and yes, once you're consistently making income from selling, you should register a business with…
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…
Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the device, it lin…
HR here, sat in maybe 800+ interviews across KL and PJ. The mistakes that quietly kill you: One, being late and blaming traffic or LRT. Ever…
I bought a used sedan as my first car and regretted the surprise repair bills, aircond, suspension, small things that added up. For a first …
Grew up basically living at mamak, and I think the magic is a perfect storm of things no cafe can ever copy. One, it is open exactly when yo…
Doing Shopee part time for 2 years, still keep my day job. Realistic expectations first: it is NOT fast money, first few months you might ea…