Housing loan rejected by 2 banks, how to improve chances?
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…
Real questions and answers popping up at random—scroll through whenever you have a minute. Tap a few more questions you're interested in, and this will gradually turn into "Recommended for you."
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…
I've bought three used cars, two from dealers and one direct owner, so here's my honest breakdown. Direct owner is usually RM3,000-6,000 che…
Dealt with this exact thing and helped a few friends too, so here is the practical playbook. First, understand there is currently no dedicat…
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…
Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prose…
Been there, I had a 14-month gap after my confinement plus caring for my newborn. What worked for me was being honest but brief: 'I took tim…
We sent both our kids to SJKC and neither my wife nor I are strong in Chinese, so I feel you completely. The first two years are the hardest…
Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…
I hit full burnout in 2022, couldn't get out of bed, and I carried the same guilt you're describing. Here's what I learned: mental health IS…
Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used…
Grew up basically living at mamak, and I think the magic is a perfect storm of things no cafe can ever copy. One, it is open exactly when yo…
First, what you're feeling is real and you're not weak for it, burnout is a genuine health issue, not just being lazy. I hit the same wall t…
Klang Valley coverage most of the big ones okay lah, the difference shows more when you balik kampung. For heavy data under RM100, the Celco…
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…
Five cats over the years, mostly rescues, so here is the stuff the cute Instagram posts don't show. One, budget for vet bills, this is the b…
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…
Dua-dua best tapi beza vibe. Penang: senang travel (boleh drive terus, tak payah ferry), makanan surga (char kuey teow, cendol, asam laksa),…
Depends who issued it: PDRM/JPJ traffic summons vs local council (MBPJ, DBKL etc) parking compound are different systems. For a genuinely un…
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…
What your landlord is asking is actually the Malaysian standard, so he's not cheating you, but everything is negotiable especially in the cu…
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),…
From my experience, presentation anxiety is super common and very manageable with practice. What worked for me: over-prepare and rehearse ou…
Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
Don't be discouraged, one no-reply doesn't mean your number killed it, sometimes they just filled the post. When I was fresh grad I learned …