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Yes, if you're carrying on a business (selling to make profit, even part time online), you're generally required to register with SSM, and r…
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),…
Okay crash course. DRINKS: teh = tea with milk, teh o = tea no milk (o means kosong/no milk, just sugar), teh o ais limau = iced tea with li…
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…
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…
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…
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…
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
Dealt with this exact thing and helped a few friends too, so here is the practical playbook. First, understand there is currently no dedicat…
Yes! Commuting accident (kemalangan semasa perjalanan) on your usual route to/from work IS covered under SOCSO Employment Injury Scheme - ma…
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…
For recurring symptoms like yours over two weeks, do get it properly checked rather than self-medicating with Gaviscon forever, because burn…
KL to Kelantan Raya veteran here. The single biggest tip: leave at an odd hour, not when everyone else does. I leave around 2 to 4am the day…
Under the Employment Act (now covers all employees), overtime on a normal working day must be paid at 1.5x your hourly rate, rest day and pu…
I ran a small mamak-style kedai for 3 years in a working-class neighbourhood in Selangor, so let me answer both parts honestly. Why people l…
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…
Rule of thumb in the Malaysia job market: find job first THEN resign, unless your mental health already collapsing. Reason is many companies…
Staying in PR1MA Cyberjaya area for 3 years already. The price memang cheaper than market, thats the main plus. But be realistic ah - the 10…
Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the device, it lin…
Yes, true, this is exactly what SOCSO (PERKESO) covers under the Employment Injury Scheme, and it INCLUDES commuting accidents (going from h…
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prose…
Went from rejected to approved, here is what I fixed. First, pull your CCRIS and CTOS report (CCRIS free from BNM). Check for any late payme…
Been there, quite the classic office move. From my experience the best defence is a paper trail. Start sending your analysis directly to the…