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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…
Totally fair to ask, and no it's not rude if done right. I now always clarify the range early to avoid wasting time, exactly like you experi…
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…
A few tricks that actually work for me. One, book WAY ahead, the cheapest seats are the first batch released, usually 3 to 6 months out, 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…
Yes you can pay in lieu of notice, this is very standard in Malaysia. Check your contract, usually it says either party can pay salary in li…
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…
Discount PTPTN ni datang-datang, biasanya announce masa bajet atau sempena event tertentu, tak permanent. Dulu ada 10-15% untuk full settlem…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
PTPTN charges a low 1% "upah urus" (admin/ujrah), not conventional interest, so the cost of holding it is very low compared to other debt. S…
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
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…
Sorry you kena, been through it too. Key things to know: under the Employment (Termination and Lay-Off Benefits) Regulations, if you are cov…
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
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…
Adopt don't shop, respect la for that. I got my two from SPCA Selangor in Ampang and also there's PAWS in Subang, both legit and the cats al…
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…
Statistically most people who accept counter-offers leave within a year anyway, and I was one of them. My company matched my salary but the …
RM2800 to RM3200 for a fresh engineer in Klang Valley is unfortunately quite normal for local SME and consultancy. It's low, I know, but tha…
Yes! Commuting accident (kemalangan semasa perjalanan) on your usual route to/from work IS covered under SOCSO Employment Injury Scheme - ma…
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…
Worked in Singapore for 6 years then chose to come back, so I have seen both the appeal and the reality. On paper the salary multiple looks …
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
For GLC I always go long sleeve formal shirt tuck in, dark slacks, leather shoes, and bring a tie in bag just in case. Full suit is fine for…
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…