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I ran a Ramly burger and takoyaki stall at two pasar malam in Selangor for about a year and a half, so let me give you the real numbers. On …
Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
Do both if you can, they serve different purposes. i-Saraan (EPF self-contribution for those without a fixed employer) is great because you …
My father did his gallbladder surgery at a government hospital (HKL) and my aunt did the same privately, so I've seen both up close. Governm…
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
I withdrew from Akaun 3 last September when my car aircon compressor died and needed RM1,800. The whole thing was done fully on the KWSP i-A…
Two kids, and I took a middle path both times which I recommend. The core idea behind confinement is REST and recovery, that part is legit a…
Aku ada full time job dan side income dari jual barang pre-order (dropship supplier lokal). Realistik tips: (1) Pilih benda yang leverage sk…
Worked in healthcare for years, seen both systems up close, so here is a practical way to decide. Govt hospitals in Malaysia have genuinely …
I withdrew a bit from Akaun Fleksibel last year to clear a high-interest credit card debt, and honestly for THAT purpose it made sense becau…
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…
Ugh, the credit thief, every Malaysian office has one. What worked for me without drama: start creating a paper trail. Send your analysis an…
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…
Don't panic la. My cousin also fail BM and he still study diploma in a private college, no problem one. But if you target IPTA or matrikulas…
Mamak tu institusi sosial Malaysia bro haha. Appeal dia: buka lewat (kadang 24 jam), murah (teh tarik RM2-3, roti canai RM1.50-2), dan tak a…
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…
Because mamak is the only place in Malaysia where a Datuk in his Merc and a Grab rider can sit two tables apart, both order teh tarik and ro…
From my experience, burnout is real and it doesn't mean you're weak or lazy, it means you've been strong for too long without rest. You don'…
I started exactly like you, selling frozen murtabak from home. Once it's a real ongoing business (not just occasional), you should register …
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…
Yes it's absolutely worth it, and honestly the process is much easier now than people assume, mostly online. STR (formerly BKM/BSH) for a B4…
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),…
Honest career-advice angle: the interview is the easy part, surviving is the real thing. I did audit two years and the learning curve is ste…
Never give a single number, give a range and always anchor higher. I usually say something like "based on my research for this role and my e…
I moved to KL on RM2,900 in 2022 and rented a middle room in a partitioned condo in Old Klang Road for RM650 including utilities and wifi. R…