Can I withdraw EPF Account 2 for house down payment and how long does KWSP take to approve?
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
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Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
I made the move to renting alone at a similar income and honestly it was one of the best decisions for my mental health, but let me give you…
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Remember EPF is your retirement lah, once you take out for house it's gone from the compounding. A lot of Malaysians reach 55 with pathetic …
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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…
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I switched from a RM98 big-telco postpaid to a RM35 MVNO plan two years ago and saved over RM750 a year with almost no downside, but let me …
I faced this as a new joiner too. What worked: I joined the team lunch once or twice a week to bond, and on other days brought my own food o…
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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…
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…
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…
For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…
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…
I've sat on interview panels at two GLCs and honestly the dress code matters less than people think, but you still want to signal you took i…
Drive but go the Gua Musang route instead of the coastal highway if the jam report is bad, it's more winding but often much clearer during p…
I've done this and it can work if handled with tact, not arrogance. Instead of bragging 'I have two offers so hurry up', frame it around tim…
I accepted a counteroffer once and regret until today. They matched my gaji but the trust already broken, boss slowly sidelined me and I was…
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…