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I withdrew from EPF for my first home downpayment and I dont regret it, but with a clear head about the tradeoff. EPF Account 2 is specifica…
First thing, actually read your tenancy agreement, not what the landlord says verbally. If there's a no-pets clause and you signed it, techn…
Bro, I was in the exact same spot 3 years ago. What I learned: avoiding the conversation is worse than having it. Your GF probably senses yo…
I duduk PR1MA dekat area utara dah 4 tahun. Pros: harga entry rendah, dan ada moratorium 10 tahun so tak boleh jual awal, yang secara tak la…
Ah, the mamak game, let me put you on properly. Timing-wise, avoid the peak windows: breakfast 8-9.30am, lunch 12.30-2pm, and the big one, f…
Under the Employment Act (now covers all employees), overtime on a normal working day must be paid at 1.5x your hourly rate, rest day and pu…
MNP in Malaysia is actually pretty smooth these days and by regulation it's supposed to complete within one working day, though in practice …
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
Depends on your salary. After the Employment Act amendment, employees earning up to RM4000 a month are entitled to OT pay (1.5x on normal da…
Aku ada full time job dan side income dari jual barang pre-order (dropship supplier lokal). Realistik tips: (1) Pilih benda yang leverage sk…
I started exactly like you, selling frozen murtabak from home. Once it's a real ongoing business (not just occasional), you should register …
Financial planning is my job, so let me give you the framework, not just an opinion. First, compare interest rates. Credit card debt in Mala…
Married two years ago, big-ish family affair, and here is the stuff I wish someone sat me down and said. One, the guest list drives absolute…
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…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …
Career gap sebab jaga family tu bukan benda memalukan, dan interviewer yang matang faham. Cara handle: (1) Jujur tapi ringkas: I took time o…
We chose the new township further out (Semenyih area) and it worked for us, but it's a lifestyle trade-off you must be honest about. We got …
This is more common than people think, especially in SMEs. I only realised years later that my 'allowance-heavy' salary structure meant my E…
Totally doable and common, but manage a few things. (1) Check your employment contract, many have a clause about outside employment, conflic…
Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
Bought both ways in my life, so here is the honest math for a fresh grad. A new Myvi or Axia is popular for very good reasons: strong resale…
Year 9 of a 30-year loan here, so I am living your question. The honest truth: for the first few years it does not feel like ownership, it f…
We faced the exact same tug-of-war. My advice: don't say a flat 'we can't afford it', instead present your priorities and a plan. We showed …
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, that heavy sleepy feeling after nasi kandar is partly just the big carb-and-oil load, your body works hard to digest. Wh…