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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 …
Good of you to care about your colleagues. The gold standard is the official JAKIM (or the state Islamic authority) halal certification, tha…
I went through this recently. The honest answer depends on his study style and your budget. Matrikulasi is subsidised and short, great if of…
Panel clinic all the way for minor stuff lah - free with your medical card, fast, no long queue, and you get MC easily if you need to rest. …
36 now, and here is what I would tell my 22-year-old self standing in Mid Valley about to swipe. One, lifestyle inflation is the silent kill…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
Married two years ago, big-ish family affair, and here is the stuff I wish someone sat me down and said. One, the guest list drives absolute…
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…
Started at your exact age, here is what I wish someone told me. Step 1, before investing anything, build an emergency fund of 3-6 months exp…
If it is genuinely 0% with no hidden fees, and you have the discipline, installment is mathematically smarter, keep your cash working and pa…
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…
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…
Take the new job, don't stay. Classic mistake. Think about it: your boss only values you enough to pay properly AFTER you threatened to leav…
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…
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…
Switched from admin to data analyst at 34, so no, 32 is NOT too late lah. But be realistic with a family depending on you - dont quit your j…
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…
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…
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…
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…
Quick clarity: nursery (taska) usually focuses on care and is for younger kids or full day, tadika is kindergarten with more structured lear…
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…
Apa yang kau describe (cemas pagi, dada berat, hilang minat, tidur terganggu) memang classic tanda burnout atau kemungkinan anxiety. Ini buk…
Commuted for over 4 years, so here is everything I wish I knew on day one. One, timing rules your entire life, and small differences are mas…