Housing loan rejected by 2 banks, how to improve chances?
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…
Real questions and answers popping up at random—scroll through whenever you have a minute. Tap a few more questions you're interested in, and this will gradually turn into "Recommended for you."
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…
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…
Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…
What you describe sounds like it could be unfair dismissal, and Malaysian law protects you here. An employer generally cannot just terminate…
For recurring symptoms like yours over two weeks, do get it properly checked rather than self-medicating with Gaviscon forever, because burn…
I've been working in KL for a few years now, and I can tell you that the average bonus for a first-year employee is around RM3,000 to RM6,00…
I successfully disputed a saman before. First, check the details carefully on the MyEG or PDRM/JPJ portal, the location, time, and vehicle. …
Staying in PR1MA Cyberjaya area for 3 years already. The price memang cheaper than market, thats the main plus. But be realistic ah - the 10…
This is such a common Malaysian family struggle, three generations under one roof. What helped us: my WIFE (it was her mum) had to be the on…
I spent my first 4 years at an SME doing everything, exactly like you, and I worried the same. When I moved to an MNC, here's what I learned…
On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…
Cara check saman: (1) JPJ saman guna portal MyJPJ app atau website JPJ, masukkan no IC/no kenderaan. (2) PDRM/trafik saman check kat portal …
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
I ported from a big telco RM88 plan to a cheaper RM35 plan last year and here's my honest verdict after 12 months. In the Klang Valley and m…
I faced this as a new joiner too. What worked: I joined the team lunch once or twice a week to bond, and on other days brought my own food o…
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…
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…
RM300 for taking on people management is honestly on the low side and you have every right to counter, but do it with data not emotion. Pull…
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…
Checklist beli kereta terpakai di Malaysia: (1) Semak geran (VOC) betul, nama penjual match IC dia. Kalau geran masih under bank (belum sett…
I went through this exact situation two years ago on a tight budget, so please hear me. The most affordable proper route is the government h…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
Used four different telcos over the years across the Peninsula and East Malaysia, so here is the unglamorous truth: there is no single best …
Go on weekdays if you can, ORRR long weekend but avoid it lah, it becomes a parking lot especially Brinchang town. Two routes: the Simpang P…
I accepted a counteroffer once and regret until today. They matched my gaji but the trust already broken, boss slowly sidelined me and I was…