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Financial planning is my job, so let me give you the framework, not just an opinion. First, compare interest rates. Credit card debt in Mala…
From my experience, at 40 getting screened is a great move regardless of where. If you qualify for PeKa B40 (for eligible B40 aged 40 and ab…
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…
Don't be discouraged, one no-reply doesn't mean your number killed it, sometimes they just filled the post. When I was fresh grad I learned …
I did the JB-Singapore commute for three years. The money is real and it helped me support my family and save fast, thanks to the exchange r…
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…
Klang Valley coverage most of the big ones okay lah, the difference shows more when you balik kampung. For heavy data under RM100, the Celco…
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…
Congrats on the results! I did STPM and here is the real talk. Matrikulasi is 1 year, easier syllabus, and CGPA generally higher which helps…
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,…
I faced this as a new joiner too. What worked: I joined the team lunch once or twice a week to bond, and on other days brought my own food o…
We sent both our kids to SJKC and neither my wife nor I are strong in Chinese, so I feel you completely. The first two years are the hardest…
我一進入面試室，我就開始自我介紹，我說，我叫陳先生，我是來面試軟體工程助理的位置。面試官問我一些問題，我一一回答，包括我的工作經歷、教育背景，以及我的專業技能。面試過程中，我沒有遇到太大的困難，我覺得很順暢。最後，面試官問我，還有什麼問題想問我。這時，我問了他們公司的文化，以及工…
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 …
I worked 6 years MNC then jumped to GLC, so I can compare lah. MNC learning curve very steep, you grow fast and the name looks power on resu…
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…
I've bought three used cars, two from dealers and one direct owner, so here's my honest breakdown. Direct owner is usually RM3,000-6,000 che…
Been there, corporate burnout is real even when it's "not clinical depression". First, please don't dismiss it, chronic exhaustion and zero …
For your budget and salary, both are solid choices since Perodua parts and service are the cheapest and most available in Malaysia, but let …
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…
I started exactly like you, selling frozen murtabak from home. Once it's a real ongoing business (not just occasional), you should register …
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…
Repayment officially starts 12 months after your studies end, whether you working or not, so don't wait for the perfect job. What I did: reg…