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What's it actually like withdrawing from EPF Akaun 3 (Akaun Fleksibel) for the first time?
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…
ASB financing loan worth it or just invest cash slowly?
I have an ASB loan for about 8 years now, here is the honest picture. The concept works IF the ASB dividend consistently beats your loan int…
Landlord wants to keep my whole 2-month deposit for normal wear and tear
From my experience renting in the Klang Valley, normal wear and tear should not be deducted, only actual damage you caused. Repainting after…
Want to adopt a cat but condo says no pets, how?
Two separate permissions matter here: your LANDLORD and the condo MANAGEMENT (house rules). Even if management technically bans pets in the …
Switching career at 30+ in Malaysia, boleh or not?
I switched from admin to QA testing at 33, so boleh lah. What I did: took a part time course malam malam, buat small projects for portfolio.…
Got a counter-offer after resigning, should I take it?
Statistically most people who accept counter-offers leave within a year anyway, and I was one of them. My company matched my salary but the …
STR bantuan, how to apply and check if eligible?
STR (Sumbangan Tunai Rahmah), yes it's the successor to BR1M/BPR. You apply and check through the official LHDN portal (bantuantunai.hasil.g…
Company only pays EPF on basic, not on allowances. Is this normal?
This is more common than people think, especially in SMEs. I only realised years later that my 'allowance-heavy' salary structure meant my E…
What are things you wish you knew earlier about managing money in your 20s in Malaysia?
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…
Fresh grad with degree, what gaji is reasonable in KL now?
RM2800 to RM3200 for a fresh engineer in Klang Valley is unfortunately quite normal for local SME and consultancy. It's low, I know, but tha…
What are the hard lessons of withdrawing EPF Account 2 for a house downpayment
I withdrew about RM38,000 from Account 2 in 2019 for my house in Kajang and honestly I don't regret it, but here are the real lessons. First…
Ada gap 8 bulan dalam resume sebab jaga family, macam mana explain masa interview?
Career gap sebab jaga family tu bukan benda memalukan, dan interviewer yang matang faham. Cara handle: (1) Jujur tapi ringkas: I took time o…
My dog barks non-stop when I'm at work, neighbours complaining, what to do?
From my experience, barking when alone is usually separation anxiety or boredom, both fixable without rehoming, so don't panic. First, tire …
Nak start side income tapi masa terhad, ada idea realistik untuk orang kerja 9-5?
Aku ada full time job dan side income dari jual barang pre-order (dropship supplier lokal). Realistik tips: (1) Pilih benda yang leverage sk…
Is it worth porting your number to a cheaper telco or is the coverage sacrifice not worth it
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…
Touch n Go RFID vs SmartTAG for daily KL toll commute, which better?
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…
If I resign before bonus month, do I still get prorated bonus?
Depends 100% on your contract or company policy, there is no law forcing them to pay bonus if you are not employed on payout date. Most Mala…
Side income from freelancing, do I need to declare to LHDN?
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
Which telco actually has good coverage for balik kampung to the East Coast?
I travel to Terengganu often and honestly the best test is to buy a cheap prepaid SIM of the telco your kampung folks recommend and try it b…
Landlord don't want return deposit, what to do?
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
Boss give counter offer after I resign, should I stay?
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…
我在KL去面試前 1 小時,我怎樣準備?
我一進入面試室,我就開始自我介紹,我說,我叫陳先生,我是來面試軟體工程助理的位置。面試官問我一些問題,我一一回答,包括我的工作經歷、教育背景,以及我的專業技能。面試過程中,我沒有遇到太大的困難,我覺得很順暢。最後,面試官問我,還有什麼問題想問我。這時,我問了他們公司的文化,以及工…
Is it rude to ask about salary range during the first interview?
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…
Proton X50 vs Honda City for a first family car, worth the price difference?
I bought an X50 for my family 2 years ago and overall happy, but let me be real about the trade-offs. The SUV height and boot space is great…