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I've been doing voluntary EPF top-ups of RM300-500 a month for about 5 years and I think it's worth it as one part of your mix, not your who…
I duduk PR1MA dekat area utara dah 4 tahun. Pros: harga entry rendah, dan ada moratorium 10 tahun so tak boleh jual awal, yang secara tak la…
Bought both ways in my life, so here is the honest math for a fresh grad. A new Myvi or Axia is popular for very good reasons: strong resale…
Depends who issued it: PDRM/JPJ traffic summons vs local council (MBPJ, DBKL etc) parking compound are different systems. For a genuinely un…
Bro, I was in the exact same spot 3 years ago. What I learned: avoiding the conversation is worse than having it. Your GF probably senses yo…
I joined a GLC in 2020 after going through their process, and yes it is slower and more formal than private sector, prepare for that mentall…
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…
Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used…
I've run a nasi lemak and mixed-rice stall for six years, so let me pop the goldmine myth gently. Yes the cash flow looks nice, a good break…
Used four different telcos over the years across the Peninsula and East Malaysia, so here is the unglamorous truth: there is no single best …
Good of you to care about your colleagues. The gold standard is the official JAKIM (or the state Islamic authority) halal certification, tha…
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…
Been there, quite the classic office move. From my experience the best defence is a paper trail. Start sending your analysis directly to the…
Doing Shopee part time for 2 years, still keep my day job. Realistic expectations first: it is NOT fast money, first few months you might ea…
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…
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…
Start now, seriously, time is your biggest advantage with a newborn, you have 18 years of compounding. My approach for my two kids, a layere…
I went through this exact situation two years ago on a tight budget, so please hear me. The most affordable proper route is the government h…
From my experience interviewing candidates, the golden rule is never badmouth your old boss, it makes YOU look like the problem, fair or not…
Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…
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…
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 …
I hit full burnout in 2022, couldn't get out of bed, and I carried the same guilt you're describing. Here's what I learned: mental health IS…
Since family not rich, cost should weigh heavily. Ranking roughly by cost: Matrikulasi (KPM) is basically free with allowance and a fast tra…
Owned a Myvi for five years as my first car on a similar salary, so here's the honest breakdown. The Myvi wins big on resale value, Perodua …