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Financial planning is my job, so let me give you the framework, not just an opinion. First, compare interest rates. Credit card debt in Mala…
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…
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…
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…
Started at your exact age, here is what I wish someone told me. Step 1, before investing anything, build an emergency fund of 3-6 months exp…
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…
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…
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),…
Jangan confront, tapi boleh minta feedback session. Ayat penting: bukan tanya kenapa dia dapat lebih (kau tak patut tau bonus orang lain, it…
I spent my first 4 years at an SME doing everything, exactly like you, and I worried the same. When I moved to an MNC, here's what I learned…
Sorry to hear bro. Under Employment Act, kalau kontrak cakap sebulan notis, company kena bagi sebulan ATAU bayar gaji sebulan sebagai pengga…
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…
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…
We chose the new township further out (Semenyih area) and it worked for us, but it's a lifestyle trade-off you must be honest about. We got …
For your budget and salary, both are solid choices since Perodua parts and service are the cheapest and most available in Malaysia, but let …
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…
Go on weekdays if you can, ORRR long weekend but avoid it lah, it becomes a parking lot especially Brinchang town. Two routes: the Simpang P…
I spent 6 years in one of the big GLCs before jumping to a startup, so I can tell you both sides. The pay is not the highest but the total p…
From my experience, unless your employment contract specifically guarantees a bonus (some state a contractual bonus or fixed 13th month), bo…
Checklist beli kereta terpakai di Malaysia: (1) Semak geran (VOC) betul, nama penjual match IC dia. Kalau geran masih under bank (belum sett…
A few tricks that actually work for me. One, book WAY ahead, the cheapest seats are the first batch released, usually 3 to 6 months out, and…
Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prose…
Switched from admin to data analyst at 34, so no, 32 is NOT too late lah. But be realistic with a family depending on you - dont quit your j…
STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
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…