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Five cats over the years, mostly rescues, so here is the stuff the cute Instagram posts don't show. One, budget for vet bills, this is the b…
I hit full burnout in 2022, couldn't get out of bed, and I carried the same guilt you're describing. Here's what I learned: mental health IS…
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…
First, check the saman details online (MyEG, JPJ portal, or PDRM eSaman) - see the date, time, location and the recorded speed. If it is AES…
I've done this and it can work if handled with tact, not arrogance. Instead of bragging 'I have two offers so hurry up', frame it around tim…
Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used…
We faced the exact same tug-of-war. My advice: don't say a flat 'we can't afford it', instead present your priorities and a plan. We showed …
Under the Employment Act (now covers all employees), overtime on a normal working day must be paid at 1.5x your hourly rate, rest day and pu…
Yes, if you're carrying on a business (selling to make profit, even part time online), you're generally required to register with SSM, and r…
Bro I been through exact same thing. What saved my marriage was setting clear space boundaries BEFORE she moved in, not after. We agreed mak…
Ran a gerai before, here's the real checklist. (1) Business registration with SSM, a sole proprietorship is cheap and fast to register onlin…
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…
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
Financial planning is my job, so let me give you the framework, not just an opinion. First, compare interest rates. Credit card debt in Mala…
I've driven from KL to Penang during peak season many times, and I can tell you that the best route to take is the North-South Expressway, b…
PTPTN charges a low 1% "upah urus" (admin/ujrah), not conventional interest, so the cost of holding it is very low compared to other debt. S…
From my experience, presentation anxiety is super common and very manageable with practice. What worked for me: over-prepare and rehearse ou…
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…
Cleared my PTPTN last year after 8 years, so I have lived the whole journey. First, don't feel ashamed, the vast majority of grads have it, …
Sorry to hear bro. Under Employment Act, kalau kontrak cakap sebulan notis, company kena bagi sebulan ATAU bayar gaji sebulan sebagai pengga…
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…
Rented rooms in KL for 5 years across 4 units, so learn from my kena. Standard deposit is usually 2 months rental plus half month utility de…
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…
If it is genuinely 0% with no hidden fees, and you have the discipline, installment is mathematically smarter, keep your cash working and pa…
Went through this exact thing lah, so painful. First, gather ALL your evidence: move-in photos, move-out photos, the tenancy agreement, and …