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Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
Tak lambat langsung. Ramai orang switch ke tech lepas 30 dan berjaya, termasuk kenalan i yang dulu cikgu sekarang backend developer. Realiti…
On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…
Owned a Myvi for five years as my first car on a similar salary, so here's the honest breakdown. The Myvi wins big on resale value, Perodua …
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…
First check your company policy: carry forward or forfeit? Many Malaysian companies allow carry forward of a few days, some pay out unused l…
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…
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…
Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used…
Don't be discouraged, one no-reply doesn't mean your number killed it, sometimes they just filled the post. When I was fresh grad I learned …
For serious or complex stuff, honestly govt hospital (HKL, UMMC, hospital besar) specialists are excellent, many are the top experts in the …
Been through exactly this, now married 6 years, two kids, alhamdulillah. Real talk: the conversion is not a paperwork thing, it changes your…
Not marked up la, first year memang the most expensive because of the vaccine series. Standard puppy protocol here: the DHPPi core vaccines …
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…
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…
For your budget and salary, both are solid choices since Perodua parts and service are the cheapest and most available in Malaysia, but let …
Grew up basically living at mamak, and I think the magic is a perfect storm of things no cafe can ever copy. One, it is open exactly when yo…
Coverage on the east coast really depends on your exact kampung, so general advice only goes so far. In my area near Kuantan, Maxis is actua…
Did budget Langkawi a few times, here is the playbook. Flights: book early and go on weekdays, and set fare alerts, prices swing wildly. Alt…
Been there, I had a 14-month gap after my confinement plus caring for my newborn. What worked for me was being honest but brief: 'I took tim…
Yes! Commuting accident (kemalangan semasa perjalanan) on your usual route to/from work IS covered under SOCSO Employment Injury Scheme - ma…
Rule of thumb i pakai: benda macam demam, selesema, batuk, sakit perut biasa, pergi klinik panel je sebab company cover dan cepat dapat MC. …
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…
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
I sell skincare on both since 2023, and the honest truth is TikTok Shop can explode your sales but it eats your time and margin differently.…