What are the hard lessons of withdrawing EPF Account 2 for a house downpayment
I withdrew about RM38,000 from Account 2 in 2019 for my house in Kajang and honestly I don't regret it, but here are the real lessons. First…
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I withdrew about RM38,000 from Account 2 in 2019 for my house in Kajang and honestly I don't regret it, but here are the real lessons. First…
For GLC I always go long sleeve formal shirt tuck in, dark slacks, leather shoes, and bring a tie in bag just in case. Full suit is fine for…
I was retrenched after 7 years in 2023 so I learned this the hard way. If you're covered under the Employment Act, you're entitled to retren…
Quick clarity: nursery (taska) usually focuses on care and is for younger kids or full day, tadika is kindergarten with more structured lear…
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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…
There are real options at lower cost, you just have to know where to look. (1) Government hospitals and Klinik Kesihatan have psychiatry and…
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…
Been running home food biz 3 years. Start small - dont invest big first, test demand with your neighbours and one office building. Licensing…
From my experience, that heavy sleepy feeling after nasi kandar is partly just the big carb-and-oil load, your body works hard to digest. Wh…
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…
From my experience flying KL to KK for festive season, the only real way to beat the crazy prices is to book very early, like 3-4 months ahe…
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…
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…
Did the JB to Singapore daily commute for almost 3 years, so let me paint the real picture, not the earn SGD spend RM fantasy. The money sid…
Yes, true, this is exactly what SOCSO (PERKESO) covers under the Employment Injury Scheme, and it INCLUDES commuting accidents (going from h…
I've been working in KL for a few years now, and I can tell you that the average bonus for a first-year employee is around RM3,000 to RM6,00…
The real issue here is not your mak mertua, it is your husband not standing as a team with you. I learned this the hard way. No matter how y…
Did Grab full-time for 14 months between jobs, so this is from the seat not from YouTube. Gross can look nice, on a good day I hit RM250-300…
I did the JB-Singapore daily commute for three years, so let me be real with you. The money is genuinely life-changing, SGD3,200 is roughly …
Nego always can, worst case they say no, they wont withdraw for asking politely lah. When I got my first offer I emailed back: "Thank you fo…
You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…
Relax, expired road tax is very common and renewing is straightforward. If it's expired less than a certain period and no other issues, you …
As a fellow foodie, IF worked for me because it doesn't tell you WHAT to eat, just WHEN, which suits our food culture better than restrictiv…
Married now, but dated plenty, here is my honest take. In Malaysia there is still a cultural lean towards the guy paying especially early on…