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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…

Brother, first separate two things: mas kahwin (maskahwin/mahar) is the fixed sum set by the state religious authority, usually a modest sta…

Since family not rich, cost should weigh heavily. Ranking roughly by cost: Matrikulasi (KPM) is basically free with allowance and a fast tra…

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…

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…

I did this last year and got a RM1,800 raise to stay, so it can work, but the way you frame it is everything. I never said give me more mone…

I do both EPF top-up and ASB as a self-employed person and treat them differently. EPF voluntary contribution: I max out the amount that giv…

I've driven from KL to Penang during peak season many times, and I can tell you that the best route to take is the North-South Expressway, b…

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…

Been there, corporate burnout is real even when it's "not clinical depression". First, please don't dismiss it, chronic exhaustion and zero …

For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…

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…

Boleh nego, dan jarang company tarik offer sebab kau tanya elok-elok. Yang penting cara. Cuba email/reply macam ni: thank you for the offer,…

There are real options at lower cost, you just have to know where to look. (1) Government hospitals and Klinik Kesihatan have psychiatry and…

Done this KL-Penang balik kampung drive maybe eight times, and timing is everything. The golden move is to leave either super early like 4-5…

DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…

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…

Stay-home dad for 3 years now, wife is the breadwinner, and I will be honest about both the joy and the sting. The joy is real, I saw my kid…

What you describing is textbook burnout, and I been there badly in 2021. First, this is real, dont gaslight yourself into thinking you just …

Been through this twice, here's the actual flow when you're not at fault. First, at the scene, take photos of everything, both cars, positio…

Discount PTPTN ni datang-datang, biasanya announce masa bajet atau sempena event tertentu, tak permanent. Dulu ada 10-15% untuk full settlem…

Checklist beli kereta terpakai di Malaysia: (1) Semak geran (VOC) betul, nama penjual match IC dia. Kalau geran masih under bank (belum sett…

You have options, don't just eat the loss. Currently Malaysia has no dedicated Residential Tenancy Act yet (it's been proposed for years), s…

The trick is do your homework first. Check the range on JobStreet and Glassdoor for that role and your years of experience. When they ask, g…

I've sat on interview panels at two GLCs and honestly the dress code matters less than people think, but you still want to signal you took i…