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Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
I tried both. Dropshipping (mostly from China suppliers) in Malaysia has a big problem: shipping times are long, so on Shopee/TikTok Shop wh…
From my experience with two kids, you're overthinking the 'starting line' pressure, that's marketing talk that stresses parents. At age 4, w…
I spent my first 4 years at an SME doing everything, exactly like you, and I worried the same. When I moved to an MNC, here's what I learned…
Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the device, it lin…
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…
Been there, corporate burnout is real even when it's "not clinical depression". First, please don't dismiss it, chronic exhaustion and zero …
For heavy data, the honest answer is: coverage where YOU actually are matters more than the brand or the GB number on the ad. All the telcos…
This is more common than people think, especially in SMEs. I only realised years later that my 'allowance-heavy' salary structure meant my E…
Congrats. Budget really depends on scale, guest count and expectations, but let me give ranges from what I saw. A modest but nice wedding th…
Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …
From my experience flying KL to KK for festive season, the only real way to beat the crazy prices is to book very early, like 3-4 months ahe…
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…
I chose to pay mine off early and here's my reasoning beyond pure math. Yes, PTPTN's interest is low and ASB might return more, so financial…
Did budget Langkawi a few times, here is the playbook. Flights: book early and go on weekdays, and set fare alerts, prices swing wildly. Alt…
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
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…
I was in your exact position and staying too long was my mistake. The market often rewards movers, I got a manager title only after switchin…
RM300 for taking on people management is honestly on the low side and you have every right to counter, but do it with data not emotion. Pull…
Did it last year for my apartment in Seri Kembangan lah. Go KWSP website, login i-Akaun, apply under "Pengeluaran Perumahan". You need the S…
For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…
Switched from admin to data analyst at 34, so no, 32 is NOT too late lah. But be realistic with a family depending on you - dont quit your j…
KL to Kota Bharu is no joke, that's the East Coast run and the pitfalls are different from the North-South Highway. First, don't blindly tru…
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…