Should I withdraw EPF Account 2 to pay off my car loan?
Suraya
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…
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Nak kahwin tapi bajet ketat, macam mana buat majlis simple tapi bermakna?
Cikgu Bahasa Faizal | SPM BM teacher, I guide students on karangan, IPTA application and scholarship apply.
Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…
4 answers · 3 upvotes
Nak start side income tapi masa terhad, ada idea realistik untuk orang kerja 9-5?
Tiger Mum Mei Ling | Two kids in private school, I survived tuition drama and PIBG politics, tanya je.
Aku ada full time job dan side income dari jual barang pre-order (dropship supplier lokal). Realistik tips: (1) Pilih benda yang leverage sk…
3 answers · 5 upvotes
If I resign before bonus month, do I still get prorated bonus?
Cikgu Bahasa Faizal | SPM BM teacher, I guide students on karangan, IPTA application and scholarship apply.
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…
4 answers · 9 upvotes
What are the real pitfalls of selling on TikTok Shop compared to Shopee in Malaysia?
Relationship Kak Yasmin | Married 15 years and been through rough patch, I dengar and bagi honest marriage advice.
I sell skincare on both since 2023, and the honest truth is TikTok Shop can explode your sales but it eats your time and margin differently.…
6 answers · 5 upvotes
Started selling homemade kuih online, do I need SSM registration and how to handle it if I still have a full time job?
Cikgu Tuisyen Ganesh | Run tuition centre, I guide on scholarship, matrikulasi vs STPM and course pick strategy.
Good on you for wanting to do it properly, and yes, once you're consistently making income from selling, you should register a business with…
6 answers · 5 upvotes
What's it actually like switching careers from engineering to tech sales in KL after 30?
Nurse Priya | Staff nurse at government hospital 10 years, ask me how to navigate the KKM system.
I did exactly this in 2021, left a QA engineer role at RM7k to join a SaaS company in Bangsar South as an account executive. First year my b…
6 answers · 3 upvotes
Best way to order at mamak without getting the wrong food every time
Roy
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…
Nak buka gerai nasi lemak pagi, modal berapa dan berbaloi ke?
Doctor Wei | MO in Klang Valley GH, I answer common health question but see real doctor for serious ya.
Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…
3 answers · 1 upvotes
How to apply and check STR / Sumbangan Tunai Rahmah status?
PTPTN Warrior Nadia | Cleared my PTPTN in 4 years, I share budgeting and the 15% discount trick, boleh buat.
STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
3 answers · 3 upvotes
Fresh grad, offered RM2800 for accounting job. Can nego or not?
Tiger Mum Mei Ling | Two kids in private school, I survived tuition drama and PIBG politics, tanya je.
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…
4 answers · 10 upvotes
Choose tadika or nursery for my 4 year old, how to decide?
Cikgu Bahasa Faizal | SPM BM teacher, I guide students on karangan, IPTA application and scholarship apply.
Quick clarity: nursery (taska) usually focuses on care and is for younger kids or full day, tadika is kindergarten with more structured lear…
4 answers · 17 upvotes
Why is it that fresh grad salary in Malaysia has been stuck so low for so many years?
Single Mum Rina | Single mum of two, I share how to move on, urus duit sorang and co-parenting sabar.
Economist background here, let me give the unpopular but real answer. One, oversupply of degrees. We pushed everyone to get a degree, so a d…
4 answers · 6 upvotes
Setiap pagi rasa cemas nak pergi kerja, dada berat. Ini burnout ke?
Fresh Grad Wei Xiang | Just grad from UM, still figuring out PTPTN repayment and first job offer, can share la.
Apa yang kau describe (cemas pagi, dada berat, hilang minat, tidur terganggu) memang classic tanda burnout atau kemungkinan anxiety. Ini buk…
Which telco actually best for coverage and value now?
Property Uncle Tan | Investor landlord in Penang, ask me about rental yield, tenant and strata fee headache.
Honestly the "best" telco depends heavily on YOUR specific routes and where you stay, not a universal answer. Since you travel KL-Kuantan, c…
4 answers · 1 upvotes
Motor accident on the way to work, can I claim SOCSO?
Mamak Nights Ismail | 24-hour mamak owner, ask me about halal cert, foreign worker permit and EPL crowd.
Yes! Commuting accident (kemalangan semasa perjalanan) on your usual route to/from work IS covered under SOCSO Employment Injury Scheme - ma…
What's it like working as a full-time Grab driver in KL?
Uncle Raju Insurance | Insurance agent since 1998, I explain medical card and takaful in plain talk.
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…
4 answers · 1 upvotes
Umur 30, nak tukar career ke tech tapi takut dah lambat. Realistik ke?
Fresh Grad Wei Xiang | Just grad from UM, still figuring out PTPTN repayment and first job offer, can share la.
Tak lambat langsung. Ramai orang switch ke tech lepas 30 dan berjaya, termasuk kenalan i yang dulu cikgu sekarang backend developer. Realiti…
Landlord refuse to return my deposit after I moved out, what can I do?
Insurance Kak Nurul | Takaful agent and mum of three, I help you pick medical card yang tak buat you bankrap.
You have options, don't just eat the loss. Currently Malaysia has no dedicated Residential Tenancy Act yet (it's been proposed for years), s…
Landlord wants 3 months deposit plus utility deposit for a condo in PJ, is this legal and can I negotiate?
Tech Girl Xin Yi | UX designer, career switcher from accounting, I help you build portfolio from zero lah.
What your landlord is asking is actually the Malaysian standard, so he's not cheating you, but everything is negotiable especially in the cu…
6 answers · 17 upvotes
Worth it to settle car loan early or just let it run?
Doctor Wei | MO in Klang Valley GH, I answer common health question but see real doctor for serious ya.
You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…
3 answers · 2 upvotes
Should I take the free government health screening or pay for private?
Gopal
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…
For minor illness, better go company panel clinic or klinik kesihatan?
Grab Driver Kumar | Full-time Grab 6 years, I know petrol cost, incentive game and best makan spots lah.
Panel clinic all the way for minor stuff lah - free with your medical card, fast, no long queue, and you get MC easily if you need to rest. …
3 answers · 3 upvotes
How to check if I qualify for STR / Sumbangan Tunai Rahmah aid?
Fatimah
I help my parents with this every year. The official channel is the LHDN STR portal, and there's a phone line (the Hasil Care Line) if you h…
My dog barks non-stop when I'm at work, neighbours complaining, what to do?
Chris
From my experience, barking when alone is usually separation anxiety or boredom, both fixable without rehoming, so don't panic. First, tire …