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Did KL-Penang LDR for 2 years, now married. It is doable but needs effort from both. What worked: (1) Have a shared END GOAL and timeline - …
Helped my parents and a few neighbours apply, so here is the plain-language version. STR, Sumbangan Tunai Rahmah, is the cash aid that repla…
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…
STR (Sumbangan Tunai Rahmah), yes it's the successor to BR1M/BPR. You apply and check through the official LHDN portal (bantuantunai.hasil.g…
From my experience, presentation anxiety is super common and very manageable with practice. What worked for me: over-prepare and rehearse ou…
This happened to me twice already. In Malaysia there's actually no specific tenancy act protecting tenants strongly, so a lot depends on you…
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…
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…
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…
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…
RFID failing is usually one of a few fixable things. First, check your TNG eWallet balance and that auto reload (GO+ or reload) is on, most …
Di Malaysia belum ada Residential Tenancy Act khusus lagi, jadi ia bergantung pada tenancy agreement kau. Baca balik kontrak: apa syarat pem…
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…
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…
Got married 2 years ago, kept it under control and zero regret. Biggest lesson: the wedding is ONE day, your marriage is forever - dont star…
Two kids here, and my honest take after years - dont send just because others send. Thats kiasu trap. Standard 4 still young, if she doing o…
We went through the same drama with my parents. What helped was consistency and framing it as the child's health, not criticism of grandma. …
Take a breath, because as a confirmed employee earning below RM5,000 you're protected under the Employment Act 1955, and what they're doing …
Do both if you can, they serve different purposes. i-Saraan (EPF self-contribution for those without a fixed employer) is great because you …
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 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…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …
Dealt with this exact thing and helped a few friends too, so here is the practical playbook. First, understand there is currently no dedicat…
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…
Discount PTPTN ni datang-datang, biasanya announce masa bajet atau sempena event tertentu, tak permanent. Dulu ada 10-15% untuk full settlem…