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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…

What your landlord is asking is actually the Malaysian standard, so he's not cheating you, but everything is negotiable especially in the cu…

On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…

Two separate permissions matter here: your LANDLORD and the condo MANAGEMENT (house rules). Even if management technically bans pets in the …

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…

Don't panic la. My cousin also fail BM and he still study diploma in a private college, no problem one. But if you target IPTA or matrikulas…

Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…

From my experience interviewing candidates, the golden rule is never badmouth your old boss, it makes YOU look like the problem, fair or not…

Ugh, the credit thief, every Malaysian office has one. What worked for me without drama: start creating a paper trail. Send your analysis an…

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…

PR1MA is decent for a first home IF the location works for your life, not so much as an investment. Two big things people forget: first, the…

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…

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…

From my experience, for a family of four doing online class, Netflix and WFH video calls, 100Mbps is usually plenty, speed isn't your bottle…

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 …

Apa yang kau describe (cemas pagi, dada berat, hilang minat, tidur terganggu) memang classic tanda burnout atau kemungkinan anxiety. Ini buk…

Brother, first separate two things: mas kahwin (maskahwin/mahar) is the fixed sum set by the state religious authority, usually a modest sta…

Both are valid, depends on the child. My daughter did matrikulasi and my son did STPM, so I saw both. Matrikulasi is one year (some streams …

Totally fair to ask, and no it's not rude if done right. I now always clarify the range early to avoid wasting time, exactly like you experi…

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…

I worked 6 years MNC then jumped to GLC, so I can compare lah. MNC learning curve very steep, you grow fast and the name looks power on resu…

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…

I ran a home-based food side hustle (frozen ready-to-eat and weekend pre-orders) alongside my 9-to-5 for about two years, and I also did a f…

Married now, but dated plenty, here is my honest take. In Malaysia there is still a cultural lean towards the guy paying especially early on…

For convenience, online wins easily, the small service charge (few ringgit) is worth not queuing at JPJ or Pos. Options: MyEG (delivers the …