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STR (Sumbangan Tunai Rahmah), yes it's the successor to BR1M/BPR. You apply and check through the official LHDN portal (bantuantunai.hasil.g…
Ran a gerai before, here's the real checklist. (1) Business registration with SSM, a sole proprietorship is cheap and fast to register onlin…
On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…
Rule of thumb i pakai: benda macam demam, selesema, batuk, sakit perut biasa, pergi klinik panel je sebab company cover dan cepat dapat MC. …
For serious or complex stuff, honestly govt hospital (HKL, UMMC, hospital besar) specialists are excellent, many are the top experts in the …
Carry forward and encashment policy is largely up to the company, as long as they meet the legal minimum leave entitlement each year, they c…
Statistically most people who accept counter-offers leave within a year anyway, and I was one of them. My company matched my salary but the …
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…
I've been doing voluntary EPF top-ups of RM300-500 a month for about 5 years and I think it's worth it as one part of your mix, not your who…
Went through this exact thing lah, so painful. First, gather ALL your evidence: move-in photos, move-out photos, the tenancy agreement, and …
Went from rejected to approved, here is what I fixed. First, pull your CCRIS and CTOS report (CCRIS free from BNM). Check for any late payme…
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…
36 now, and here is what I would tell my 22-year-old self standing in Mid Valley about to swipe. One, lifestyle inflation is the silent kill…
Got married 2 years ago, kept it under control and zero regret. Biggest lesson: the wedding is ONE day, your marriage is forever - dont star…
So sweet that you want to adopt! I've rescued a few strays. Before bringing home: vet check is a must, especially ringworm which is a fungal…
I went through this exact situation two years ago on a tight budget, so please hear me. The most affordable proper route is the government h…
Congrats. Budget really depends on scale, guest count and expectations, but let me give ranges from what I saw. A modest but nice wedding th…
As a fellow foodie, IF worked for me because it doesn't tell you WHAT to eat, just WHEN, which suits our food culture better than restrictiv…
Grew up basically living at mamak, and I think the magic is a perfect storm of things no cafe can ever copy. One, it is open exactly when yo…
Done this KL-Penang balik kampung drive maybe eight times, and timing is everything. The golden move is to leave either super early like 4-5…
Been on both sides of this. I once resigned with nothing lined up because my mental health was in the drain, and honestly it saved me. But I…
I dah rescue 3 ekor kucing jalanan. Steps: (1) Bawa vet dulu untuk full check, buang kutu dan cacing (deworming), sekitar RM50-100. (2) Vaks…
Sorry you kena, been through it too. Key things to know: under the Employment (Termination and Lay-Off Benefits) Regulations, if you are cov…
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…
I ported from a big telco RM88 plan to a cheaper RM35 plan last year and here's my honest verdict after 12 months. In the Klang Valley and m…