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Dealt with this exact thing and helped a few friends too, so here is the practical playbook. First, understand there is currently no dedicat…
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…
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…
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…
This happened to me twice already. In Malaysia there's actually no specific tenancy act protecting tenants strongly, so a lot depends on you…
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…
From my experience, unless your employment contract specifically guarantees a bonus (some state a contractual bonus or fixed 13th month), bo…
Aku commute JB-Singapore dah 3 tahun. Reality check: SGD3,000 tukar RM memang nampak besar (RM10k+), dan itu daya tarikan utama. TAPI kos hi…
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
Did budget Langkawi a few times, here is the playbook. Flights: book early and go on weekdays, and set fare alerts, prices swing wildly. Alt…
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'…
For recurring symptoms like yours over two weeks, do get it properly checked rather than self-medicating with Gaviscon forever, because burn…
Worked in Singapore for 6 years then chose to come back, so I have seen both the appeal and the reality. On paper the salary multiple looks …
From my experience the golden rule is leave at odd hours. Departing around 3 to 5am has saved me many times, the kids sleep in the car and t…
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 …
For convenience, online wins easily, the small service charge (few ringgit) is worth not queuing at JPJ or Pos. Options: MyEG (delivers 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…
Go on weekdays if you can, ORRR long weekend but avoid it lah, it becomes a parking lot especially Brinchang town. Two routes: the Simpang P…
Kajang ke KL Sentral, honestly kalau boleh tahan sikit dengan KTM/MRT lagi jimat. Kira dulu: kereta baru installment RM800-1000, insurans RM…
Did it last year for my apartment in Seri Kembangan lah. Go KWSP website, login i-Akaun, apply under "Pengeluaran Perumahan". You need the S…
Yes, if you're carrying on a business (selling to make profit, even part time online), you're generally required to register with SSM, and r…
I bought a RM280k apartment in Semenyih at 26 using the Skim Rumah Pertamaku (My First Home) which let me take 100% loan with no downpayment…
A few tricks that actually work for me. One, book WAY ahead, the cheapest seats are the first batch released, usually 3 to 6 months out, and…
Honestly I would not raid EPF for a car even if there was a way. I did the maths once when tempted: my EPF was earning more in dividends tha…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …