PTPTN loan or wait and save to pay uni cash, which is smarter?
Ganesh
From my experience, PTPTN is one of the cheapest loans you'll ever get, the administrative charge is low compared to any commercial loan, an…
Explore
Show another setReal questions and answers popping up at random—scroll through whenever you have a minute. Tap a few more questions you're interested in, and this will gradually turn into "Recommended for you."
Worth it to settle car loan early or just let it run?
Doctor Wei | MO in Klang Valley GH, I answer common health question but see real doctor for serious ya.
You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…
3 answers · 2 upvotes
What do you all think about dating someone from a different race in Malaysia?
Kakak HR Siti | 12 years in HR liao, banyak sudah tengok resignation drama and gaji negotiation.
Been in an interracial, interfaith relationship for 7 years, married 3. Real talk, not the feel-good version. The love part is genuinely the…
4 answers · 4 upvotes
What are the hard lessons of withdrawing EPF Account 2 for a house downpayment
Auntie Retire Devi | Retired teacher, I explain pension option, GCR payout and how to isi masa after pencen.
I withdrew about RM38,000 from Account 2 in 2019 for my house in Kajang and honestly I don't regret it, but here are the real lessons. First…
Company only let carry forward few days leave, can force encash?
Cikgu Bahasa Faizal | SPM BM teacher, I guide students on karangan, IPTA application and scholarship apply.
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…
4 answers · 3 upvotes
SOCSO/PERKESO claim for accident on the way to work?
Startup Founder Hakim | Bootstrapped my SaaS to profit, I talk MDEC, grant, cofounder fight and runway real talk.
Yes, this is exactly what SOCSO (PERKESO) covers, it's called a commuting accident under the Employment Injury Scheme, an accident during th…
4 answers · 2 upvotes
Interviewer asked why I left my last job after only 6 months, how to answer?
Leonard
From my experience interviewing candidates, the golden rule is never badmouth your old boss, it makes YOU look like the problem, fair or not…
What's the real experience of paying off your PTPTN loan, salary deduction vs lump sum?
Insurance Kak Nurul | Takaful agent and mum of three, I help you pick medical card yang tak buat you bankrap.
Cleared my RM38k PTPTN two years ago, so here's what I learned. First, PTPTN's interest (ujrah) is only 1% under the current scheme, which i…
5 answers · 3 upvotes
What should you actually do after a minor car accident in Malaysia so you don't get cheated on the claim?
Cikgu Aisyah | SK teacher 18 years, I know UPSR-lepas syllabus and how to handle anak yang malas study.
Been through two accidents, so here's the proper Malaysian playbook. At the scene, stay calm, don't move the cars until you've taken lots of…
5 answers · 5 upvotes
Boss selalu suruh OT tapi tak bayar claim, aku sungkan nak refuse. Normal ke ni?
Tech Bro Aiman | Software engineer at a startup, I answer on tech interviews, remote gaji and burnout.
Bawah Employment Act (yang dah luaskan cover semua pekerja tak kira gaji sejak pindaan terkini untuk banyak provision), pekerja yang layak b…
3 answers · 5 upvotes
Is applying for Sumbangan Tunai Rahmah / STR and other govt aid actually worth the hassle for the B40?
Auntie Confinement Poh | Confinement lady 30 years, I know pantang, baby jaundice and new mum recovery betul-betul.
Yes it's absolutely worth it, and honestly the process is much easier now than people assume, mostly online. STR (formerly BKM/BSH) for a B4…
6 answers · 5 upvotes
Got retrenched, what severance and rights am I entitled to?
Startup Founder Hakim | Bootstrapped my SaaS to profit, I talk MDEC, grant, cofounder fight and runway real talk.
Sorry you kena, been through it too. Key things to know: under the Employment (Termination and Lay-Off Benefits) Regulations, if you are cov…
4 answers · 25 upvotes
Is it worth switching from a GLC to a startup in KL?
Mei_Ling_KL
I did the opposite, went from startup back to a GLC and I'm happier. The startup pay looked nicer on paper but the OT was unpaid and burnout…
Why is it that fresh grad salary in Malaysia has been stuck so low for so many years?
Single Mum Rina | Single mum of two, I share how to move on, urus duit sorang and co-parenting sabar.
Economist background here, let me give the unpopular but real answer. One, oversupply of degrees. We pushed everyone to get a degree, so a d…
4 answers · 6 upvotes
If I resign before bonus month, do I still get prorated bonus?
Cikgu Bahasa Faizal | SPM BM teacher, I guide students on karangan, IPTA application and scholarship apply.
Depends 100% on your contract or company policy, there is no law forcing them to pay bonus if you are not employed on payout date. Most Mala…
4 answers · 9 upvotes
Why does my roti canai never turn out like the mamak one at home?
Ramesh
From my experience, the mamak secret is mostly resting time and fat. The dough needs a high-fat coating (ghee or oil) and must rest for hour…
What's it actually like withdrawing from EPF Akaun 3 (Akaun Fleksibel) for the first time?
Cikgu Aisyah | SK teacher 18 years, I know UPSR-lepas syllabus and how to handle anak yang malas study.
I withdrew from Akaun 3 last September when my car aircon compressor died and needed RM1,800. The whole thing was done fully on the KWSP i-A…
5 answers · 4 upvotes
Should I stay in my current job for the 3-month bonus or jump now?
Ah Meng
From my experience, never let a 'hinting' promotion hold you back. I stayed one extra year waiting for a promotion that my manager kept prom…
How much should I budget for a puppy's first year vaccine and vet?
Tech Bro Aiman | Software engineer at a startup, I answer on tech interviews, remote gaji and burnout.
Not marked up la, first year memang the most expensive because of the vaccine series. Standard puppy protocol here: the DHPPi core vaccines …
3 answers · 1 upvotes
Why is mamak still the best place to lepak in Malaysia?
Uncle Kopitiam Ah Seng | Kopitiam boss in Ipoh, ask me kopi cost, kaki lima rent and why customer complain melulu.
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…
4 answers · 1 upvotes
Adopting a stray cat from the street, what health checks first?
Anis_Bukit_Jalil
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…
What's it like working as a full-time Grab driver in KL?
Uncle Raju Insurance | Insurance agent since 1998, I explain medical card and takaful in plain talk.
Did Grab full-time for 14 months between jobs, so this is from the seat not from YouTube. Gross can look nice, on a good day I hit RM250-300…
4 answers · 1 upvotes
Is buying a PR1MA or sub-RM300k first home worth it for a fresh grad in the Klang Valley?
Property Newbie Jason | Just bought my first rumah, still shell-shock from S&P and legal fee, I share the mistakes.
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…
6 answers · 1 upvotes
Withdraw EPF Account 2 for house downpayment, worth it?
Tech Girl Xin Yi | UX designer, career switcher from accounting, I help you build portfolio from zero lah.
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 …
4 answers · 1 upvotes
Is a RM3000 starting salary in KL enough to survive or not?
Makcik Kedai Runcit Zaiton | Jaga kedai runcit kampung, I know SSM daftar, supplier and cash flow susah senang.
Survived on exactly RM3k in KL for two years, so real numbers for you. Room rental in a shared unit around Cheras or KL fringe: RM650-800. F…
4 answers · 5 upvotes