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I withdrew from EPF for my first home downpayment and I dont regret it, but with a clear head about the tradeoff. EPF Account 2 is specifica…
Panel clinic all the way for minor stuff lah - free with your medical card, fast, no long queue, and you get MC easily if you need to rest. …
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
Career gap sebab jaga family tu bukan benda memalukan, dan interviewer yang matang faham. Cara handle: (1) Jujur tapi ringkas: I took time o…
Honest career-advice angle: the interview is the easy part, surviving is the real thing. I did audit two years and the learning curve is ste…
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…
From my experience interviewing candidates, the golden rule is never badmouth your old boss, it makes YOU look like the problem, fair or not…
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…
I spent 6 years in one of the big GLCs before jumping to a startup, so I can tell you both sides. The pay is not the highest but the total p…
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 …
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
I ran a small mamak-style kedai for 3 years in a working-class neighbourhood in Selangor, so let me answer both parts honestly. Why people l…
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…
From my experience, unless your employment contract specifically guarantees a bonus (some state a contractual bonus or fixed 13th month), bo…
From my experience, saver-spender couples can absolutely work, my husband and I are exactly that. The fights usually aren't about money itse…
Hired one for our first, and honestly it was worth every sen FOR US. Here is the real value: newborn sleep is brutal, both parents zombie, a…
Checklist beli kereta terpakai di Malaysia: (1) Semak geran (VOC) betul, nama penjual match IC dia. Kalau geran masih under bank (belum sett…
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…
Ah, the mamak game, let me put you on properly. Timing-wise, avoid the peak windows: breakfast 8-9.30am, lunch 12.30-2pm, and the big one, f…
From my experience starting a home food biz, start simple and legal. Register a sole proprietorship with SSM, it's cheap (around RM30-60 a y…
Been there, I had a 14-month gap after my confinement plus caring for my newborn. What worked for me was being honest but brief: 'I took tim…
For convenience, online wins easily, the small service charge (few ringgit) is worth not queuing at JPJ or Pos. Options: MyEG (delivers the …
I hit this exact wall two years ago, servicing a house in Semenyih and a car, feeling completely trapped and dreading work daily. What actua…
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. …
I've been in a similar spot. My advice: take photos of both cars, the plates, and the scene immediately, exchange IC and phone numbers, then…