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For serious or complex stuff, honestly govt hospital (HKL, UMMC, hospital besar) specialists are excellent, many are the top experts in the …
Got married 2 years ago, kept it under control and zero regret. Biggest lesson: the wedding is ONE day, your marriage is forever - dont star…
From my experience, unless your employment contract specifically guarantees a bonus (some state a contractual bonus or fixed 13th month), bo…
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…
A few tricks that actually work for me. One, book WAY ahead, the cheapest seats are the first batch released, usually 3 to 6 months out, and…
I did this last year and got a RM1,800 raise to stay, so it can work, but the way you frame it is everything. I never said give me more mone…
Yes it's absolutely worth it, and honestly the process is much easier now than people assume, mostly online. STR (formerly BKM/BSH) for a B4…
What you describing is textbook burnout, and I been there badly in 2021. First, this is real, dont gaslight yourself into thinking you just …
Give a range, not a single number. I always say "Based on my research for this role and my 5 years experience, I am looking at RM5000 to RM5…
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…
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…
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
Remember EPF is your retirement lah, once you take out for house it's gone from the compounding. A lot of Malaysians reach 55 with pathetic …
Yes, if you're carrying on a business (selling to make profit, even part time online), you're generally required to register with SSM, and r…
From my experience, burnout is real and it doesn't mean you're weak or lazy, it means you've been strong for too long without rest. You don'…
Used four different telcos over the years across the Peninsula and East Malaysia, so here is the unglamorous truth: there is no single best …
There are real options at lower cost, you just have to know where to look. (1) Government hospitals and Klinik Kesihatan have psychiatry and…
STR (Sumbangan Tunai Rahmah), yes it's the successor to BR1M/BPR. You apply and check through the official LHDN portal (bantuantunai.hasil.g…
I withdrew from EPF for my first home downpayment and I dont regret it, but with a clear head about the tradeoff. EPF Account 2 is specifica…
Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
The secret isn't just timing, it's picking a busy mamak. A packed stall means high turnover so nothing sits around long. My regular spot in …
Fresh working, tight budget, and asking about used continental, please, get the Myvi (or Axia/Bezza). Here's the reality nobody young wants …
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 …
For heavy data, the honest answer is: coverage where YOU actually are matters more than the brand or the GB number on the ad. All the telcos…