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I did the JB-Singapore daily commute for three years, so let me be real with you. The money is genuinely life-changing, SGD3,200 is roughly …
Discount PTPTN ni datang-datang, biasanya announce masa bajet atau sempena event tertentu, tak permanent. Dulu ada 10-15% untuk full settlem…
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…
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…
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…
You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…
From my experience, do NOT sign anything on the spot under pressure. Forcing you to resign under threat can amount to 'constructive dismissa…
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…
Under the Employment Act (now covers all employees), overtime on a normal working day must be paid at 1.5x your hourly rate, rest day and pu…
STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
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…
Realistically, since you're staying with parents, this is the best time in your life to save hard, before car loan, rent and family expenses…
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…
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…
Ugh, the credit thief, every Malaysian office has one. What worked for me without drama: start creating a paper trail. Send your analysis an…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
I switched from admin to QA testing at 33, so boleh lah. What I did: took a part time course malam malam, buat small projects for portfolio.…
The real issue here is not your mak mertua, it is your husband not standing as a team with you. I learned this the hard way. No matter how y…
I've been in a similar spot. My advice: take photos of both cars, the plates, and the scene immediately, exchange IC and phone numbers, then…
My father did his gallbladder surgery at a government hospital (HKL) and my aunt did the same privately, so I've seen both up close. Governm…
Cleared my PTPTN last year after 8 years, so I have lived the whole journey. First, don't feel ashamed, the vast majority of grads have it, …
From my experience interviewing candidates, the golden rule is never badmouth your old boss, it makes YOU look like the problem, fair or not…
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…
我會比較不同的品牌的手機價格和配置，選擇最好的價值。例如，我會比較 Apple、Samsung 和 Huawei的手機價格和功能，然後選擇最適合我的手機。通常，我會考慮手機的實際應用，而不是品牌的聲譽。