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Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
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…
Used four different telcos over the years across the Peninsula and East Malaysia, so here is the unglamorous truth: there is no single best …
Switched from banking ops to data analyst at 33, now 37 and no regrets. Things I wish somebody told me: one, your age is not the problem, yo…
Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the device, it lin…
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…
I joined a GLC in 2020 after going through their process, and yes it is slower and more formal than private sector, prepare for that mentall…
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…
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…
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…
Repayment officially starts 12 months after your studies end, whether you working or not, so don't wait for the perfect job. What I did: reg…
PR1MA is decent for a first home IF the location works for your life, not so much as an investment. Two big things people forget: first, the…
I bought an X50 for my family 2 years ago and overall happy, but let me be real about the trade-offs. The SUV height and boot space is great…
Two kids here, and my honest take after years - dont send just because others send. Thats kiasu trap. Standard 4 still young, if she doing o…
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'…
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…
My wife and I are a mixed couple, together 9 years now married with a kid, so we survived the whole journey. The honest truth is the introdu…
RM30k is realistic if you prioritise and DIY smartly. What blew my budget almost was the little things adding up, so track every ringgit in …
Yes you can pay in lieu of notice, this is very standard in Malaysia. Check your contract, usually it says either party can pay salary in li…
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…
From my experience renting in the Klang Valley, normal wear and tear should not be deducted, only actual damage you caused. Repainting after…
I started exactly like you, selling frozen murtabak from home. Once it's a real ongoing business (not just occasional), you should register …
After 15 years of balik kampung to Penang, my golden rule is to leave at odd hours, either 4am or after 10pm, never in the afternoon when ev…
Helped my parents and a few neighbours apply, so here is the plain-language version. STR, Sumbangan Tunai Rahmah, is the cash aid that repla…