PTPTN loan: should I pay it off early or invest the money instead?
I chose to pay mine off early and here's my reasoning beyond pure math. Yes, PTPTN's interest is low and ASB might return more, so financial…
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I chose to pay mine off early and here's my reasoning beyond pure math. Yes, PTPTN's interest is low and ASB might return more, so financial…
I felt exactly this way 6 years ago, so let me give you the long view. Fresh grad starting RM2800-3200 is normal for many non-technical fiel…
From my experience, do NOT sign anything on the spot under pressure. Forcing you to resign under threat can amount to 'constructive dismissa…
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 …
Because mamak is the only place in Malaysia where a Datuk in his Merc and a Grab rider can sit two tables apart, both order teh tarik and ro…
I've commuted from JB to Singapore for 4 years, so let me be honest. The SGD salary converted to RM is life-changing, no doubt, my savings g…
I did exactly this in 2021, left a QA engineer role at RM7k to join a SaaS company in Bangsar South as an account executive. First year my b…
Ran a gerai before, here's the real checklist. (1) Business registration with SSM, a sole proprietorship is cheap and fast to register onlin…
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…
Been there, corporate burnout is real even when it's "not clinical depression". First, please don't dismiss it, chronic exhaustion and zero …
For GLC I always go long sleeve formal shirt tuck in, dark slacks, leather shoes, and bring a tie in bag just in case. Full suit is fine for…
Ah, the mamak game, let me put you on properly. Timing-wise, avoid the peak windows: breakfast 8-9.30am, lunch 12.30-2pm, and the big one, f…
Checklist beli kereta terpakai di Malaysia: (1) Semak geran (VOC) betul, nama penjual match IC dia. Kalau geran masih under bank (belum sett…
Teacher for over a decade, and I will give you the balanced answer because both SPM is everything and SPM is useless are wrong. The truth: S…
Ya lor, classic Malaysian sales guy problem, I had the exact same thing. What actually helped me: I stopped eating anything within 3 hours o…
Bagus kau sedar umur 25, ramai sedar lagi lambat. Steps simple: (1) Track dulu ke mana duit kau lari sebulan, guna app atau tulis je. Biasan…
Survived on exactly RM3k in KL for two years, so real numbers for you. Room rental in a shared unit around Cheras or KL fringe: RM650-800. F…
Yes you can pay in lieu of notice, this is very standard in Malaysia. Check your contract, usually it says either party can pay salary in li…
Realistically, since you're staying with parents, this is the best time in your life to save hard, before car loan, rent and family expenses…
I've been in a similar spot. My advice: take photos of both cars, the plates, and the scene immediately, exchange IC and phone numbers, then…
Depends on your salary. After the Employment Act amendment, employees earning up to RM4000 a month are entitled to OT pay (1.5x on normal da…
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 …
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…
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…
The trick is do your homework first. Check the range on JobStreet and Glassdoor for that role and your years of experience. When they ask, g…