Housing loan rejected by 2 banks, how to improve chances?
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…
Real questions and answers popping up at random—scroll through whenever you have a minute. Tap a few more questions you're interested in, and this will gradually turn into "Recommended for you."
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…
From my experience interviewing candidates, the golden rule is never badmouth your old boss, it makes YOU look like the problem, fair or not…
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…
Drive but go the Gua Musang route instead of the coastal highway if the jam report is bad, it's more winding but often much clearer during p…
Five cats over the years, mostly rescues, so here is the stuff the cute Instagram posts don't show. One, budget for vet bills, this is the b…
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…
Went through this exact thing. First, gather your evidence: the tenancy agreement, your move-out photos/video showing clean condition (if yo…
I duduk dengan mak mertua dah 5 tahun, so far okay sebab ada ground rules dari awal. Tips penting: (1) Set boundaries secara halus, contoh b…
For convenience, online wins easily, the small service charge (few ringgit) is worth not queuing at JPJ or Pos. Options: MyEG (delivers the …
I bought an X50 for my family 2 years ago and overall happy, but let me be real about the trade-offs. The SUV height and boot space is great…
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…
As a fellow foodie, IF worked for me because it doesn't tell you WHAT to eat, just WHEN, which suits our food culture better than restrictiv…
Never give a single number, give a range and always anchor higher. I usually say something like "based on my research for this role and my e…
We chose the new township further out (Semenyih area) and it worked for us, but it's a lifestyle trade-off you must be honest about. We got …
I've run a nasi lemak and mixed-rice stall for six years, so let me pop the goldmine myth gently. Yes the cash flow looks nice, a good break…
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 commuted from JB to Singapore for 4 years, so let me be honest. The SGD salary converted to RM is life-changing, no doubt, my savings g…
Depends on your salary. After the Employment Act amendment, employees earning up to RM4000 a month are entitled to OT pay (1.5x on normal da…
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…
Cara check saman: (1) JPJ saman guna portal MyJPJ app atau website JPJ, masukkan no IC/no kenderaan. (2) PDRM/trafik saman check kat portal …
MNP in Malaysia is actually pretty smooth these days and by regulation it's supposed to complete within one working day, though in practice …
I ran a Ramly burger and takoyaki stall at two pasar malam in Selangor for about a year and a half, so let me give you the real numbers. On …
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
I help my parents with this every year. The official channel is the LHDN STR portal, and there's a phone line (the Hasil Care Line) if you h…
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 …