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Doing Shopee part time for 2 years, still keep my day job. Realistic expectations first: it is NOT fast money, first few months you might ea…
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…
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…
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…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
I chose to pay mine off early and here's my reasoning beyond pure math. Yes, PTPTN's interest is low and ASB might return more, so financial…
Give a range, not a single number. I always say "Based on my research for this role and my 5 years experience, I am looking at RM5000 to RM5…
Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prose…
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…
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…
I stay in a PR1MA in Selangor going 3 years now, sharing honest experience. Pros: I bought at below market price, and monthly instalment che…
I did this last year and got a RM1,800 raise to stay, so it can work, but the way you frame it is everything. I never said give me more mone…
Went through this exact thing lah, so painful. First, gather ALL your evidence: move-in photos, move-out photos, the tenancy agreement, and …
Been through exactly this, now married 6 years, two kids, alhamdulillah. Real talk: the conversion is not a paperwork thing, it changes your…
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
RFID failing is usually one of a few fixable things. First, check your TNG eWallet balance and that auto reload (GO+ or reload) is on, most …
Bagus kau sedar umur 25, ramai sedar lagi lambat. Steps simple: (1) Track dulu ke mana duit kau lari sebulan, guna app atau tulis je. Biasan…
Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…
Dealt with this exact thing and helped a few friends too, so here is the practical playbook. First, understand there is currently no dedicat…
Coverage on the east coast really depends on your exact kampung, so general advice only goes so far. In my area near Kuantan, Maxis is actua…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
Cleared my PTPTN last year after 8 years, so I have lived the whole journey. First, don't feel ashamed, the vast majority of grads have it, …
Cara check saman: (1) JPJ saman guna portal MyJPJ app atau website JPJ, masukkan no IC/no kenderaan. (2) PDRM/trafik saman check kat portal …
For heavy data, the honest answer is: coverage where YOU actually are matters more than the brand or the GB number on the ad. All the telcos…