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I bought a RM280k apartment in Semenyih at 26 using the Skim Rumah Pertamaku (My First Home) which let me take 100% loan with no downpayment…
Honestly I would not raid EPF for a car even if there was a way. I did the maths once when tempted: my EPF was earning more in dividends tha…
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…
From my experience, for a family of four doing online class, Netflix and WFH video calls, 100Mbps is usually plenty, speed isn't your bottle…
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…
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…
Mak dua orang anak di sini. Tantrum umur 3 tahun tu normal, otak dia belum boleh regulate emosi lagi. Yang orang pandang tu, ignore je, most…
For serious or complex stuff, honestly govt hospital (HKL, UMMC, hospital besar) specialists are excellent, many are the top experts in the …
Tak lambat langsung. Ramai orang switch ke tech lepas 30 dan berjaya, termasuk kenalan i yang dulu cikgu sekarang backend developer. Realiti…
I moved to KL on RM2,900 in 2022 and rented a middle room in a partitioned condo in Old Klang Road for RM650 including utilities and wifi. R…
Worked in Singapore for 6 years then chose to come back, so I have seen both the appeal and the reality. On paper the salary multiple looks …
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…
Cost is the practical barrier, so let me lay out the cheaper routes I've used. Befrienders is completely free and confidential, 24 hours, an…
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 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…
First thing, actually read your tenancy agreement, not what the landlord says verbally. If there's a no-pets clause and you signed it, techn…
Start now, seriously, time is your biggest advantage with a newborn, you have 18 years of compounding. My approach for my two kids, a layere…
I was in your exact position and staying too long was my mistake. The market often rewards movers, I got a manager title only after switchin…
From my experience, PTPTN is one of the cheapest loans you'll ever get, the administrative charge is low compared to any commercial loan, an…
Do both if you can, they serve different purposes. i-Saraan (EPF self-contribution for those without a fixed employer) is great because you …
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. …
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…
I switched from a RM98 big-telco postpaid to a RM35 MVNO plan two years ago and saved over RM750 a year with almost no downside, but let me …
I dah rescue 3 ekor kucing jalanan. Steps: (1) Bawa vet dulu untuk full check, buang kutu dan cacing (deworming), sekitar RM50-100. (2) Vaks…
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…