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If it is genuinely 0% with no hidden fees, and you have the discipline, installment is mathematically smarter, keep your cash working and pa…
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…
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
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…
I did the JB-Singapore daily commute for three years, so let me be real with you. The money is genuinely life-changing, SGD3,200 is roughly …
Cleared my RM38k PTPTN two years ago, so here's what I learned. First, PTPTN's interest (ujrah) is only 1% under the current scheme, which i…
Mak dua orang anak di sini. Tantrum umur 3 tahun tu normal, otak dia belum boleh regulate emosi lagi. Yang orang pandang tu, ignore je, most…
From my experience starting a home food biz, start simple and legal. Register a sole proprietorship with SSM, it's cheap (around RM30-60 a y…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
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…
Set up my i-Akaun years ago and use it regularly, so here is the first-timer walkthrough. To register, you download the KWSP i-Akaun app or …
Ran a Shopee side hustle for 2 years while holding a full-time job, and eventually it out-earned my salary, so real talk. Yes it is realisti…
Economist background here, let me give the unpopular but real answer. One, oversupply of degrees. We pushed everyone to get a degree, so a d…
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…
Checklist beli kereta terpakai di Malaysia: (1) Semak geran (VOC) betul, nama penjual match IC dia. Kalau geran masih under bank (belum sett…
You have options, don't just eat the loss. Currently Malaysia has no dedicated Residential Tenancy Act yet (it's been proposed for years), s…
Did KL-Penang LDR for 2 years, now married. It is doable but needs effort from both. What worked: (1) Have a shared END GOAL and timeline - …
For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…
I've run a nasi lemak and mixed-rice stall for six years, so let me pop the goldmine myth gently. Yes the cash flow looks nice, a good break…
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…
From my experience, that heavy sleepy feeling after nasi kandar is partly just the big carb-and-oil load, your body works hard to digest. Wh…
Boleh nego, dan jarang company tarik offer sebab kau tanya elok-elok. Yang penting cara. Cuba email/reply macam ni: thank you for the offer,…
I withdrew from Akaun 3 last September when my car aircon compressor died and needed RM1,800. The whole thing was done fully on the KWSP i-A…
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 …
Discount PTPTN ni datang-datang, biasanya announce masa bajet atau sempena event tertentu, tak permanent. Dulu ada 10-15% untuk full settlem…