Company only pays EPF on basic, not on allowances. Is this normal?
Michelle
This is more common than people think, especially in SMEs. I only realised years later that my 'allowance-heavy' salary structure meant my E…
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What are the real pitfalls of driving balik kampung during Raya that nobody warns first-timers about?
Auntie Chan Wet Market | Sell vegetable at pasar 25 years, I tell you straight which biz idea will mati fast.
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…
6 answers · 5 upvotes
First time buying a house, is the RM3000 booking fee refundable if loan rejected?
Steven
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
Is a RM3000 starting salary in KL enough to survive or not?
Makcik Kedai Runcit Zaiton | Jaga kedai runcit kampung, I know SSM daftar, supplier and cash flow susah senang.
Survived on exactly RM3k in KL for two years, so real numbers for you. Room rental in a shared unit around Cheras or KL fringe: RM650-800. F…
4 answers · 5 upvotes
Renew driving license online through MyEG, safe and how?
Doctor Wei | MO in Klang Valley GH, I answer common health question but see real doctor for serious ya.
Yes, renewing your CDL (competent driving licence) online is legit and easy, MyEG is an official JPJ service partner, and there's also the J…
3 answers · 22 upvotes
Motor accident on the way to work, can I claim SOCSO?
Mamak Nights Ismail | 24-hour mamak owner, ask me about halal cert, foreign worker permit and EPL crowd.
Yes! Commuting accident (kemalangan semasa perjalanan) on your usual route to/from work IS covered under SOCSO Employment Injury Scheme - ma…
What's the real experience of paying off your PTPTN loan, salary deduction vs lump sum?
Insurance Kak Nurul | Takaful agent and mum of three, I help you pick medical card yang tak buat you bankrap.
Cleared my RM38k PTPTN two years ago, so here's what I learned. First, PTPTN's interest (ujrah) is only 1% under the current scheme, which i…
5 answers · 3 upvotes
Can I withdraw EPF Account 2 for house down payment and how long does KWSP take to approve?
Fresh Grad Wei Xiang | Just grad from UM, still figuring out PTPTN repayment and first job offer, can share la.
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
6 answers · 26 upvotes
In-laws keep giving my toddler sweets and junk despite me saying no
Hafiz
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. …
Plan telco mana terbaik untuk data banyak tapi jimat? Confused dengan CelcomDigi, Yes, Unifi
Tech Girl Xin Yi | UX designer, career switcher from accounting, I help you build portfolio from zero lah.
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
3 answers · 2 upvotes
How to survive daily KL jam commute without going gila?
HR Lady Farah | Recruiter for MNC, I know what makes your resume masuk tong sampah, no sugarcoat.
Kajang to city, the MRT is your friend, seriously consider park-and-ride. What worked for me on a similar route: drive to the nearest MRT/LR…
4 answers · 1 upvotes
How do I actually claim STR/bantuan, and am I even eligible?
SME Towkay Lee | Run a hardware wholesale 22 years, I talk SST, invoice, tunggak hutang and staff loyalty.
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…
4 answers · 4 upvotes
Perodua Myvi vs Proton Saga as a first car for a fresh grad earning RM2,800, what would you actually pick?
Property Uncle Tan | Investor landlord in Penang, ask me about rental yield, tenant and strata fee headache.
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 …
What's it like going through a Big 4 audit firm interview in KL as a fresh accounting grad?
Relationship Kak Yasmin | Married 15 years and been through rough patch, I dengar and bagi honest marriage advice.
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…
5 answers · 2 upvotes
Worth upgrading to fibre 500Mbps or is 100Mbps enough for a small family?
Wilson
From my experience, for a family of four doing online class, Netflix and WFH video calls, 100Mbps is usually plenty, speed isn't your bottle…
Fresh grad want to start investing, where to begin in Malaysia?
Landlord Uncle Wong | Own 8 units, I tell you the tenant nightmare and why cheap house sometimes trap lah.
Started at your exact age, here is what I wish someone told me. Step 1, before investing anything, build an emergency fund of 3-6 months exp…
Constant gastric pain and bloating, should I go government clinic or private GP in Malaysia and what to expect cost wise?
Property Newbie Jason | Just bought my first rumah, still shell-shock from S&P and legal fee, I share the mistakes.
For recurring symptoms like yours over two weeks, do get it properly checked rather than self-medicating with Gaviscon forever, because burn…
5 answers · 2 upvotes
What are your rights if your employer suddenly retrenches you in Malaysia
Grab Driver Kumar | Full-time Grab 6 years, I know petrol cost, incentive game and best makan spots lah.
I was retrenched after 7 years in 2023 so I learned this the hard way. If you're covered under the Employment Act, you're entitled to retren…
What's it like working as a full-time Grab driver in KL?
Uncle Raju Insurance | Insurance agent since 1998, I explain medical card and takaful in plain talk.
Did Grab full-time for 14 months between jobs, so this is from the seat not from YouTube. Gross can look nice, on a good day I hit RM250-300…
4 answers · 1 upvotes
Want to start Shopee side hustle while working full time, realistic?
Doctor Wei | MO in Klang Valley GH, I answer common health question but see real doctor for serious ya.
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…
4 answers · 2 upvotes
Matrikulasi or STPM, which one better for my daughter?
Auntie Ah Moi | Grandma of five, confinement, baby colic and daycai choosing I banyak pengalaman lor.
Both are valid, depends on the child. My daughter did matrikulasi and my son did STPM, so I saw both. Matrikulasi is one year (some streams …
Should I send my 4-year-old to expensive private kindergarten or normal tadika?
Melissa
From my experience with two kids, you're overthinking the 'starting line' pressure, that's marketing talk that stresses parents. At age 4, w…
Is SPM still that important, or is it overrated already?
Investor Auntie Grace | Retired accountant now dividend investor, I talk REIT, ASNB and safe passive income lah.
Teacher for over a decade, and I will give you the balanced answer because both SPM is everything and SPM is useless are wrong. The truth: S…
4 answers · 3 upvotes
First car - Myvi or Axia? Gaji RM3500 only.
Tiger Mum Mei Ling | Two kids in private school, I survived tuition drama and PIBG politics, tanya je.
On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…
4 answers · 4 upvotes
How to answer "what is your expected salary" without lowballing myself?
Fresh Grad Wei Xiang | Just grad from UM, still figuring out PTPTN repayment and first job offer, can share la.
Give a range, not a single number. I always say "Based on my research for this role and my 5 years experience, I am looking at RM5000 to RM5…
4 answers · 5 upvotes