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Helped my parents and a few neighbours apply, so here is the plain-language version. STR, Sumbangan Tunai Rahmah, is the cash aid that repla…
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, …
From my experience, at 40 getting screened is a great move regardless of where. If you qualify for PeKa B40 (for eligible B40 aged 40 and ab…
Technically, if you're carrying on a business in Malaysia, you're supposed to register with SSM, it's not really optional even for "small sm…
I did the opposite, went from startup back to a GLC and I'm happier. The startup pay looked nicer on paper but the OT was unpaid and burnout…
Haha the classic mamak struggle. What works for my gang: one 'captain' collects everyone's order and relays it in one clean go, grouped by d…
Worked in healthcare for years, seen both systems up close, so here is a practical way to decide. Govt hospitals in Malaysia have genuinely …
What we do in my family, use both smartly. For the FIRST consultation and diagnosis where speed matters (to know what you are dealing with),…
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
It's still worth it, but not the easy money it was a few years back, and the strategy has to be different now. Honest reality: (1) Selling g…
Two kids here, and my honest take after years - dont send just because others send. Thats kiasu trap. Standard 4 still young, if she doing o…
Been on both sides of this. I once resigned with nothing lined up because my mental health was in the drain, and honestly it saved me. But I…
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…
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
Doing Shopee part time for 2 years, still keep my day job. Realistic expectations first: it is NOT fast money, first few months you might ea…
Tak lambat langsung. Ramai orang switch ke tech lepas 30 dan berjaya, termasuk kenalan i yang dulu cikgu sekarang backend developer. Realiti…
I do both EPF top-up and ASB as a self-employed person and treat them differently. EPF voluntary contribution: I max out the amount that giv…
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…
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…
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. …
We chose the new township further out (Semenyih area) and it worked for us, but it's a lifestyle trade-off you must be honest about. We got …
Sorry to hear bro. Under Employment Act, kalau kontrak cakap sebulan notis, company kena bagi sebulan ATAU bayar gaji sebulan sebagai pengga…
Worked in SG 4 years, commuting from JB first year then relocated. The money IS good - even after everything, I saved way more than my KL pe…
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…
RM30k is realistic if you prioritise and DIY smartly. What blew my budget almost was the little things adding up, so track every ringgit in …