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Sorry you kena, been through it too. Key things to know: under the Employment (Termination and Lay-Off Benefits) Regulations, if you are cov…
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…
Yes you should have your own, and I learned this the hard way. Company insurance sounds great UNTIL you leave the job, get retrenched, or re…
I have an ASB loan for about 8 years now, here is the honest picture. The concept works IF the ASB dividend consistently beats your loan int…
Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used…
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…
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…
It's still worth it, but not the easy money it was a few years back, and the strategy has to be different now. Honest reality: (1) Selling g…
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…
STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
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…
Kajang to city, the MRT is your friend, seriously consider park-and-ride. What worked for me on a similar route: drive to the nearest MRT/LR…
For GLC I always go long sleeve formal shirt tuck in, dark slacks, leather shoes, and bring a tie in bag just in case. Full suit is fine for…
First, what you're feeling is real and you're not weak for it, burnout is a genuine health issue, not just being lazy. I hit the same wall t…
Honestly the "best" telco depends heavily on YOUR specific routes and where you stay, not a universal answer. Since you travel KL-Kuantan, c…
Brother, first separate two things: mas kahwin (maskahwin/mahar) is the fixed sum set by the state religious authority, usually a modest sta…
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…
Eight months is workable but for popular dewan on peak weekends (school holidays, after Raya, 'good dates'), the best ones get booked a year…
Not marked up la, first year memang the most expensive because of the vaccine series. Standard puppy protocol here: the DHPPi core vaccines …
Totally doable and common, but manage a few things. (1) Check your employment contract, many have a clause about outside employment, conflic…
Relax, expired road tax is very common and renewing is straightforward. If it's expired less than a certain period and no other issues, you …
Don't panic la. My cousin also fail BM and he still study diploma in a private college, no problem one. But if you target IPTA or matrikulas…
You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…
Give a range, not a single number. I always say "Based on my research for this role and my 5 years experience, I am looking at RM5000 to RM5…
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…