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From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…

Yes you should have your own, and I learned this the hard way. Company insurance sounds great UNTIL you leave the job, get retrenched, or re…

Been through two accidents, so here's the proper Malaysian playbook. At the scene, stay calm, don't move the cars until you've taken lots of…

There are real options at lower cost, you just have to know where to look. (1) Government hospitals and Klinik Kesihatan have psychiatry and…

I duduk dengan mak mertua dah 5 tahun, so far okay sebab ada ground rules dari awal. Tips penting: (1) Set boundaries secara halus, contoh b…

Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …

Good on you for wanting to do it properly, and yes, once you're consistently making income from selling, you should register a business with…

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…

Yes, true, this is exactly what SOCSO (PERKESO) covers under the Employment Injury Scheme, and it INCLUDES commuting accidents (going from h…

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…

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…

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…

Ran a gerai before, here's the real checklist. (1) Business registration with SSM, a sole proprietorship is cheap and fast to register onlin…

From my experience, never let a 'hinting' promotion hold you back. I stayed one extra year waiting for a promotion that my manager kept prom…

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…

I've run a nasi lemak and mixed-rice stall for six years, so let me pop the goldmine myth gently. Yes the cash flow looks nice, a good break…

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…

For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…

We went through the same drama with my parents. What helped was consistency and framing it as the child's health, not criticism of grandma. …

Honestly the "best" telco depends heavily on YOUR specific routes and where you stay, not a universal answer. Since you travel KL-Kuantan, c…

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…

Tak lambat langsung. Ramai orang switch ke tech lepas 30 dan berjaya, termasuk kenalan i yang dulu cikgu sekarang backend developer. Realiti…

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…

I ran a small mamak-style kedai for 3 years in a working-class neighbourhood in Selangor, so let me answer both parts honestly. Why people l…