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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…
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 the golden rule is leave at odd hours. Departing around 3 to 5am has saved me many times, the kids sleep in the car and t…
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…
Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…
Year 9 of a 30-year loan here, so I am living your question. The honest truth: for the first few years it does not feel like ownership, it f…
I did this last year and got a RM1,800 raise to stay, so it can work, but the way you frame it is everything. I never said give me more mone…
I've commuted from JB to Singapore for 4 years, so let me be honest. The SGD salary converted to RM is life-changing, no doubt, my savings g…
Switched from banking ops to data analyst at 33, now 37 and no regrets. Things I wish somebody told me: one, your age is not the problem, yo…
For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…
Two kids, and I took a middle path both times which I recommend. The core idea behind confinement is REST and recovery, that part is legit a…
This is such a common Malaysian family struggle, three generations under one roof. What helped us: my WIFE (it was her mum) had to be the on…
From my experience starting a home food biz, start simple and legal. Register a sole proprietorship with SSM, it's cheap (around RM30-60 a y…
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…
Bro, I was in the exact same spot 3 years ago. What I learned: avoiding the conversation is worse than having it. Your GF probably senses yo…
Congrats on the results! I did STPM and here is the real talk. Matrikulasi is 1 year, easier syllabus, and CGPA generally higher which helps…
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…
Yes, true, this is exactly what SOCSO (PERKESO) covers under the Employment Injury Scheme, and it INCLUDES commuting accidents (going from h…
Ah, the mamak game, let me put you on properly. Timing-wise, avoid the peak windows: breakfast 8-9.30am, lunch 12.30-2pm, and the big one, f…
Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…
I've sat on interview panels at two GLCs and honestly the dress code matters less than people think, but you still want to signal you took i…
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…
Set up my i-Akaun years ago and use it regularly, so here is the first-timer walkthrough. To register, you download the KWSP i-Akaun app or …
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…
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…